How to Submit Your Home Loan Interest Certificate to Your Employer in April

Your Interest Certificate Matters

April is the right time to submit your interest certificate and reduce TDS for FY 2026-27.

A provisional interest certificate shows your estimated interest and principal split for the year.

What Is This Certificate?

Log in to your lender's official website, or app to download, the FY 2026-27 provisional certificate.

Download It From Your Portal

Confirm your name, loan account number, and correct interest-principal breakup before submitting.

Verify All Certificate Details

Most employers expect submission by mid-April to adjust TDS from the very first payroll cycle.

Submit Before the Deadline

Submit through your employer's payroll portal or fill Form 12BB along with the certificate.

Upload via HR Payroll System

Section 24(b) allows deduction of up to ₹2 lakh on interest for a self-occupied property annually.

Claim up to ₹2 Lakh Interest

The principal repayment portion qualifies for up to ₹1.5 lakh deduction under Section 80C.

Section 80C Principal Benefit

Co-borrowers who are also co-owners can each submit the certificate and split tax deductions.

Joint Loan? Both Can Claim

Missed the employer deadline? Still claim all deductions directly when filing your income tax return.

Missed It? File via ITR

                        Disclaimer                     The information provided on this website is for general informational purposes only and should not be considered financial or legal advice. Please consult with a qualified financial advisor before making any decisions.