Interest rate certificates are issued to customers who have availed Home Loan facility from Deutsche Bank. The loan availed can be for construction or purchase of a residential property.

The Provisional Tax Certificate is issued at the beginning of every financial year and is based on the interest rates prevailing as on the date of that certificate. The Final Interest Certificate is issued at the end of every financial year based on the actual principal and interest payment done by the customer during the year. Thus, Provisional Certificate is an indication of the amount which is payable during the current financial year, whereas the Final Certificate is the actual amount paid during the previous financial year.

You need to provide, your Loan Account Number, Date of Birth, Permanent Account Number (PAN) and Repayment Account Number from which the repayment is being currently made.

To download your Loan Interest Certificate, please follow the below mentioned steps :

Step 1: Complete the authentication parameter i.e Loan Account Number, Date of Birth, PAN Number and Account Number (from which repayment is done). - Refer Point 3

Step 2: Click on the Submit Button.

Step 3: On successful authentication, the screen will populate the option to generate and download the Interest Certificate.

There will be a waiting period of 30 days to view the interest certificate on-line from the date of the change. In case of urgency please call us on 1860 266 6660^#.

There will be a waiting period of 30 days to view the interest certificate on-line from the date of the change. Incase of urgency please call us on 1860 266 6660^#.

In case there is any discrepancy in the statement, you need to contact us immediately on 1860 266 6660^#. Alternative you may write to us at premium.care@db.com

If the loan is availed in a joint manner, bank will issue the certificate in the joint name only.

If you have availed of a home loan, you can claim tax benefits on both the principal and interest components of the home loan as per the Income Tax Act. These benefits are in the form of deductions available to assesses who have taken a loan to either buy a house or build one.
Under section 80(c), repayment of principal of up to Rs. 1 lac is deductible in full from your income which means you can save tax up to a maximum of Rs. 20,000 p.a. on principal. Similarly under section 24 of the Income Tax Act, interest is deductible up to a maximum of Rs. 1,50,000.

The entire PEMI interest amount (the interest amount paid during construction period) is allowed as a deduction under Section 24 of Income Tax Act, equally over five years (20 percent of total interest paid), starting from the year in which the construction is completed.

Provisional Interest Certificate will not be issued since the loan is partly disbursed, however you will get the Final Interest Certificate at the end of the financial year.

Interest certificate will not be issued for loan against residential / commercial property.

To obtain an interest certificate for your loan account which you have closed during the year, you may contact us on 1860 266 6660^#. Alternative you may write to us at premium.care@db.com.

Please note that interest certificate can only be downloaded for active loans.

To help you download your interest certificate or to obtain a copy, you may call us on 1860 266 6660^#.