Facing Delays in Loan: Waiting for a loan to get approved can feel endless—especially when you need the funds for something critical like buying a home, paying for college, expanding your business, or covering medical expenses. If your loan application seems stuck in limbo, don’t worry—you’re not alone, and you’re not helpless either.
Thanks to digital tools in 2025, tracking your loan status online is quicker and easier than ever. Whether you applied with SBI, HDFC, ICICI, Axis Bank, or a private NBFC like Bajaj Finserv, most lenders now provide dedicated loan tracker portals and mobile apps that let you check your loan progress in real time.
In this guide, we’ll walk you through:
- Why your loan approval might be delayed
- How to track your loan application status across major Indian banks and NBFCs
- What to do if there’s no update or your credentials don’t work
- When and how to contact loan support teams directly
No more second-guessing. Whether you’ve applied for a personal loan, home loan, education loan, vehicle loan, or MSME funding, this article gives you the clarity—and the tools—to stay on top of your application from start to finish.
Common Reasons for Loan Approval Delays
Before diving into the tracking process, let’s understand why loan approvals might take longer than expected:
| Reason for Delay | Description |
|---|---|
| Incomplete Documentation | Missing KYC documents or proofs delay verification. |
| Low Credit Score | Banks review creditworthiness thoroughly if scores are low. |
| Verification Pending | Employment, income, or residence verification can take time. |
| Bank Holidays or Weekends | Loan processing typically happens only on working days. |
| Manual Underwriting | Some loans, especially large ones, go through manual checks. |
| Technical Glitches | Online portals or app issues may disrupt real-time updates. |
If you’re facing one or more of these issues, tracking your loan status online can offer much-needed clarity and help you take corrective steps quickly.
How to Track Your Loan Application Progress Online
Here’s how you can track your loan status online across major Indian banks:
1. Using Bank’s Official Website or App
Most banks now offer loan tracking via their online portals. You’ll generally need:
- Loan Application Number or Reference Number
- Registered Mobile Number or PAN
2. Via Customer Care or SMS
Some banks allow you to check status via:
- Dedicated helpline numbers
- Sending an SMS in a specific format
- WhatsApp services (available for select banks)
Bank-Wise Loan Status Tracking Options
Here’s a quick guide for some of India’s top banks:
| Bank/NBFC Name | Net Banking/Loan Tracking URL | What You Need |
|---|---|---|
| HDFC Bank | Track Loan Status | Mobile Number / DOB |
| SBI | Track SME Loan | Reference No / Mobile Number |
| IDFC FIRST Bank | Track My Loan | Application ID / Mobile Number |
| ICICI Bank | Track Application | Reference Number |
| Axis Finance | Track Application | Mobile Number / PAN |
| Tata Capital | Track My Application | Mobile Number / PAN |
| AU Small Finance Bank | Loan Status | Mobile Number |
| Bank of India (BOI) | MSME Loan Tracker | Reference/Application Number |
| PNB | Track Loan | Mobile Number / Reference Number |
| Flexiloans | Track Status | Registered Email / PAN |
| Bajaj Finserv | My Account Portal | Customer ID / Loan ID |
| RBL Bank | Loan Tracking Page | Mobile Number / Reference Number |
| IndusInd Bank | Track Application | Mobile Number / Application ID |
| Bandhan Bank | Loan Status Page | Application ID / PAN |
| YES Bank | Track Status | Mobile Number / Loan ID |
| Federal Bank | Track Application | Mobile Number / Date of Birth |
| Kotak Mahindra Bank | Loan Tracking | Mobile Number / CRN / PAN |
| Bank of Baroda | Check Status | Mobile Number / Application ID |
| Canara Bank | Track Loan | Mobile Number / Application ID |
💡 Pro Tip: Keep your application number, mobile number, and PAN handy before tracking.
What to Do if the Online Loan Status Is Not Updating
If your loan status hasn’t changed in days, or you’re getting vague updates like “under process”, here are some steps you can take:
✅ Call Customer Care
Each bank has a dedicated loan helpline. Provide your application number and request a real-time update.
✅ Email Support
Most banks respond within 24–48 hours. Write a clear email with:
- Full name
- Registered mobile/email
- Loan application ID
- Type of loan
✅ Visit the Nearest Branch
When digital tracking fails, a visit to your branch can often provide the most accurate answer.
Delays Beyond 10–15 Days? Here’s What You Should Ask the Bank
When loan processing stretches beyond two weeks without clear communication, ask your bank the following:
- Is any documentation pending from my end?
- Has the loan application been assigned to a relationship manager or loan officer?
- Is the verification completed at your end?
- Are there internal delays due to holidays or technical issues?
Getting clarity on these points helps you act faster — either to fix the issue or explore alternate options.
FAQs on Tracking Loan Application Status
❓ How long does it take for a loan to get approved?
Answer: Typically, it takes 3–7 working days for personal and vehicle loans. Home and business loans may take 7–15 working days, depending on document verification.
❓ What if I lost my loan application number?
Answer: Contact your bank’s customer service with your registered mobile number and PAN. They can retrieve your application number.
❓ Can I track my loan without internet access?
Answer: Yes. Many banks offer SMS-based or WhatsApp-based tracking. For example, ICICI, AU Bank, and YES Bank support such methods.
❓ Is it possible to cancel a loan application midway?
Answer: Yes, you can cancel your application by contacting customer care or visiting the branch before the loan is disbursed.
❓ Will tracking status frequently impact my loan approval?
Answer: Not at all. Tracking your status does not affect your credit or approval in any way.
Conclusion
In 2025, there’s no need to wait endlessly or make repeated bank visits to know your loan status. If your loan approval is delayed, use the digital tools provided by banks to track your loan application progress online. It’s efficient, transparent, and saves you time.
For any hiccups along the way, always reach out to your bank’s support team. And if your application gets stuck for too long, don’t hesitate to explore other lenders or NBFCs — competitive markets often offer better turnaround times.
Read More:
- Accessing Gold Loan Status Updates Online or via Branch (2025 Guide)
- Monitoring Education Loan Status Through Student Loan Portals – A Complete 2025 Guide
- How to Track Business Loan Applications via Net Banking or Email: A Complete Guide (2025)
- Where to Track Vehicle Loan Application Status Using Registration or Mobile Number (2025 Guide)
- How to Track Property Loans via Banks or Real Estate Portals (2025 Expert Guide)