HDB Loan Status – Complete Guide to Check Application Progress

Key Takeaways

1. Customers can check their HDB loan status online through the website or HDB OnTheGo app with instant OTP verification.
    
2. Offline loan tracking is possible via helpline calls or missed call services for quick updates without internet.
    
3. Submitting correct KYC documents ensures smooth verification and faster processing of HDB loans or HFE applications.
    

Bonus Point: HDB Financial Services’ profit fell 2% to ₹581.4 crore in July–September FY26, mainly due to higher provisions. However, its interest income rose 13.3%, and the board announced an interim dividend of ₹2 per share.

When you check your HDB loan status, it allows you to track your loan approval, repayment schedule, and application progress without visiting a branch. This system ensures transparency and provides real-time updates through both digital and offline methods. 

I personally used the HDB OnTheGo app to track my loan, and it was quick, secure, and highly convenient. Whether you’re salaried, self-employed, or a business owner, HDB Financial Services makes it easy to stay informed and manage loans efficiently. 

The HDB loan status works much like tracking a parcel; it shows your loan’s stage, from processing to approval or disbursal, helping you plan smartly. I even viewed my EMI details instantly after approval through the same app.

Types Of HDB Loans

Banks and financial institutions offer a wide range of loan products to meet the diverse financial needs of individuals, professionals, and businesses. These loans help people achieve personal goals, expand businesses, or manage short-term financial requirements easily.

Types of Loans Offered

• Personal Loan: Ideal for salaried and self-employed individuals to cover personal expenses like weddings, travel, or medical emergencies.
• Two-Wheeler Loan: Designed for customers looking to purchase a new bike or scooter with affordable EMIs.
• Car Loan: Helps buyers own their dream car with flexible repayment options and attractive interest rates.
• Used Car Loan: Enables customers to buy a pre-owned car at competitive rates with quick approvals.
• Gold Loan: Allows borrowers to get instant funds by pledging gold jewellery as security.
• Loan Against Property: Suitable for individuals and businesses needing large funds by mortgaging residential or commercial property.
• Consumer Durables Loan: Provides easy financing for purchasing home appliances, electronics, and gadgets.

These diverse loan products cater to every financial segment, including salaried, self-employed, business owners, and professionals, ensuring that everyone can access funds conveniently and achieve their goals without financial stress.

Methods To Check HDB Loan Status

Online Methods

1. Via Website

Checking your HDB Financial Services loan status online is a simple and convenient process. The official customer portal allows you to track your loan application, view active loans, and stay updated on repayment schedules, all from the comfort of your home.

Steps to Check HDB Loan Status via Website

1. Visit the HDB Financial Services Website: Go to the official website at www.hdbfs.com.
    
2. Navigate to ‘My Account’: On the homepage, locate the ‘My Account’ option and click to access the login page.
    
3. Enter Your Registered Mobile Number: Input the mobile number used during your loan application process.
    
4. Provide Verification Details: Enter either your Date of Birth (DOB) or PAN Number for identity verification.
    
5. Request and Enter the OTP: Complete the CAPTCHA, click on “Send OTP”, and enter the One-Time Password received on your registered mobile number.
    
6. Verify the OTP: Submit the OTP to log in securely to your customer account.
    
7. View Your Loan Status: Once logged in, navigate to the “Track Loan” or “Loan Summary” section to view your active loans, pending applications, and repayment details.

By following these simple steps, you can easily check your HDB loan status online without visiting a branch. This digital process ensures transparency, real-time tracking, and quick access to all your loan-related information anytime, anywhere.

2. Via App

HDB Financial Services makes it simple to check your loan status anytime through its mobile application, HDB OnTheGo. This app allows you to track loan applications, view repayment summaries, and access key account details directly from your smartphone.

Steps to Check HDB Loan Status via HDB OnTheGo App

1. Download the App: Install the official ‘HDB OnTheGo’ mobile app from the Google Play Store (Android) or Apple App Store (iOS).
2. Open the App: Launch the app on your mobile device to begin the process.
    
3. Log In:
   • Enter your registered mobile number used during your loan application.
   • Verify by entering either your Date of Birth (DOB) or PAN number.
   • You’ll receive a One-Time Password (OTP) on your registered number. Enter the OTP to log in securely.
      
4. Navigate to Loan Status/Tracking:
    
   • After logging in, locate the “My Account” or “Track Loan” section on the dashboard or app menu.
   • Tap on the relevant option to access your loan details.
      
5. View Status: The app will show the real-time status of your loan application, whether it was applied online, in-branch, or through a partner. You can also view loan summaries and transaction history here.

By using the HDB OnTheGo app, customers can effortlessly track their loan applications and active loan details anytime, anywhere. The app ensures convenience, transparency, and instant access to important financial updates on the go.

Offline Methods

1. Via Phone
Customer Helpline: You can call the HDB Financial Services customer care number +91 44 4298 4541 between 10:00 am and 6:00 pm (Monday to Friday). Provide your loan account number to the representative to get detailed information about your loan status or queries.

2. Missed Call Service 

Simply give a missed call to 080-69856108 from your registered mobile number to receive instant loan updates via SMS on your phone.

Using these phone-based services, customers can quickly access their loan details or updates without needing internet access, making it one of the most convenient ways to stay informed.

Required Documents For HDB Loan Status

When applying for an HDB loan or an HDB Flat Eligibility (HFE) letter, applicants must submit valid identity, income, and property-related documents. These documents help verify eligibility and ensure smooth loan processing. The exact list may vary depending on whether the applicant is salaried or self-employed.

General Documents (KYC)
The following documents are mandatory for all applicants and co-applicants:

• Identity Proof: Passport, Aadhaar Card, Voter ID, or Driving Licence.
• Address Proof: Utility bills (electricity, water, etc., not older than 2–3 months), Passport, Aadhaar Card, or Registered Rental Agreement.
• Proof of Date of Birth: PAN Card, Passport, Birth Certificate, or 10th/12th Standard Mark Sheet showing the date of birth.
• Signature Proof: PAN Card or Passport.
• Photographs: Recent passport-size photographs of the applicant and co-applicant.
• Application Form: Duly filled and signed HDB loan application form.

Submitting accurate and complete documents is essential for faster loan approval and verification. Ensure all details match across documents to avoid delays in processing your HDB loan or HFE application.

Conclusion

You can easily check your HDB loan status to stay updated on approvals, repayments, and application progress. Through the official website, HDB OnTheGo app, or customer helpline, borrowers get real-time updates anytime. By submitting accurate documents and using digital tools, HDB Financial Services ensures faster processing, greater transparency, and complete control over every stage of the loan journey.

FAQs:

1. How can I check my HDB loan status online?
You can check it through the official HDB Financial Services website by logging into the customer portal using your registered mobile number.
 

2. Is the HDB OnTheGo app available for both Android and iOS users?
Yes, the HDB OnTheGo app can be downloaded from both the Google Play Store and Apple App Store.
 

3. Can I track my loan status through a phone call or missed call service?
Yes, you can call +91 44 4298 4541 or give a missed call to 080-69856108 for instant SMS updates.
 

4. What documents are required to check or apply for an HDB loan?
You’ll need identity, address, and income proof along with passport-size photos and a filled loan application form.
 

5. How long does it take for an HDB loan application to get approved?
The approval time depends on document verification but usually takes a few working days after submission.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.