How to Track Personal Loan Status
Customers can check the status of their personal loan application by themselves and get a better understanding of when to expect the money. Let's see in detail the different ways in which you can track the status of your personal loan detail.
How to Check Your Personal Loan Status Online
The online mode is the easiest way to keep track of your personal loan application status. All the top lenders in the market provide ways for customers to track the status of their loan applications online. You can simply visit the website of the lender and track your loan status with the following details:
- Application reference number
- Mobile number
- Date of birth
- Name
You might be asked to provide any of the above details for verification. Once you have provided the details, you can easily get the status of your loan application online.
How to Check Personal Loan Status Offline
Though not the most efficient mode, this method is also still used by many customers in the market. This method simply involves visiting the branch office of the bank and enquiring about the status of your application. When you visit the branch office of the lender, you need to have the reference number you have received at the time of application. You must also carry a valid identity proof to confirm your identity. Once you have provided these details, a representative of the bank can help you track the status of your personal loan application.
How to Check Your Personal Loan Status Through Customer Service
The customer service department of the lender can also help you track the status of your loan application. You may either call or email the customer service department to track the status of your loan. When you call the customer care, you need to provide the reference number along with the registered mobile number to the representative. Your status can be tracked within a few seconds here. If you write an email, you need to provide all the details clearly to the bank. The bank will get back to your query within 24 hours.
5 Ways to Track Your Personal Loan Status
You can track the status of your personal loan using different ways. The following list gives you an idea of what you need to track the status of your personal loan application:
- Mobile number: At the time of loan application, you need to provide your mobile number to the bank. Many banks allow customers to track the status of their applications with the help of their mobile numbers. You can use this for online tracking as well as when speaking to a customer care representative.
- Reference number: A reference number will be generated by the bank when you apply for a loan. This number will be sent to your mobile number once you have applied. You can use this number at various stages while tracking the status of your loan application.
- Net banking: Existing customers of a bank can track the status of their loan applications through their net banking accounts. You need to log in to the account and check the status of the application under the loans section.
Benefits of Tracking Loan Status Online
Most of the top banks in the country have their own loan portals online. These portals are designed exclusively to manage their loans. Customers can use these loans and keep track of their loan applications. Some of the features of these loan portals are listed as follows:
- It allows you to view the loan status.
- It provides a download section where you can view and download all your statements and certificates.
- It allows customers to make EMI payments including foreclosures.
- It allows customers to update contact information.
- It helps customers view customized offers available from time to time.
Final Thoughts on Tracking Personal Loan Status
To sum up, knowing the status of your loan application may come in handy during various situations. For instance, if your loan application gets rejected for some reason, you can start looking for finances in other sources right away after tracking the loan status. The different modes offered by lenders for loan status tracking aim to improve the transparency associated with the lending process.
Check Personal Loan Status By Individual Banks
FAQs on Personal Loan Application Status
- How can I check the status of my personal loan application online?
You can check your personal loan application status online by visiting the lender’s official website or mobile app. Log in using your registered mobile number, reference number, or application ID to view the latest status update.
- What details are required to track personal loan status?
To track your loan status, you typically need your loan reference number, registered mobile number, date of birth, and sometimes your PAN card or Aadhaar number. Requirements may vary depending on the lender.
- Can I track my personal loan status without the reference number?
Yes, many banks and NBFCs allow users to track their loan status using alternate information such as their registered mobile number, date of birth, and name. You can also contact customer support for help.
- Is it possible to check my loan status if I applied through a third-party platform?
Yes, you can still track your loan status. Most lenders allow tracking regardless of how the application was submitted. Use the lender’s website or customer care service to check your application progress.
- What should I do if my loan status is not updating on the lender's portal?
If your loan status isn’t showing or is delayed, contact the bank’s customer service or visit the nearest branch. Ensure your details are entered correctly and check back after a short period.
- How can I track my personal loan status offline?
You can visit the nearest bank branch with your identification documents and reference number. Alternatively, call the bank's toll-free customer service number for assistance.
- How long does it take for the personal loan status to be updated?
Loan status updates are typically reflected within 24–48 hours of applying. However, this may vary depending on the lender’s internal verification and processing time.
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