Why This Is Trending:
To claim interest income and deductions (like under 80TTA/80TTB), taxpayers need their bank interest certificates. But most don’t know where to download them — especially across multiple banks.
Here’s a step-by-step guide to download your annual interest certificate from top Indian banks.
1. Why You Need the Interest Certificate
- It shows total interest earned on savings and FDs during FY 2024–25
- Helps report income in ITR under “Income from Other Sources”
- Also needed to claim deductions under:
- Section 80TTA (₹10,000 on savings interest for regular taxpayers)
- Section 80TTB (₹50,000 for senior citizens on FD + savings interest)
2. Where to Show Interest in ITR
- Go to “Income from Other Sources” section
- Enter gross interest earned (even if TDS already deducted)
- Claim 80TTA/80TTB separately under Chapter VI-A
3. How to Download Interest Certificate from Major Banks
SBI
- Login to onlinesbi.com
- Go to: My Accounts > ‘Interest Certificate (SB/TD)’
- Select FY 2024–25 → Download as PDF
HDFC Bank
- Login to netbanking.hdfcbank.com
- Go to: Accounts → Request → Download Interest Certificate
- Choose savings or FD → Select period → Download
ICICI Bank
- Login to icicibank.com
- Navigate to ‘Information > Interest Certificate’ under deposits
- Choose financial year and download
Axis Bank
- Login to internet banking
- Go to Services > Tax Services > Interest Certificate
- Choose savings/term deposit → Download FY-wise
4. What If the Bank Doesn’t Offer Online Download?
- Call customer care
- Or visit the branch and request a printed certificate
- Most banks now offer these in-app (SBI YONO, HDFC App, etc.)
Pro Tip:
Compare interest reported in AIS (Annual Info Statement) with certificates — banks sometimes miss reporting FDs, which can cause mismatch notices.
Social Caption:
Filing ITR? Don’t forget to report your savings & FD interest — here’s how to download the certificate from SBI, HDFC, ICICI & more in minutes.
Want the next one on “How to Claim FD TDS Already Deducted” or “Bank Interest Not Showing in AIS? Here’s What to Do”?
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