Check Your Loan Status Online: Applying for a loan is a big step, whether it’s for a personal need, a new home, a car, or higher education. But once your application is submitted, the real test begins — the wait. It’s natural to feel a bit anxious during this time. After all, you’re counting on that approval to move forward with your plans.
The good news? You no longer need to stand in long queues or wait endlessly on customer service calls. In 2025, most banks and NBFCs provide easy, online options to track your loan status 24/7 — anytime, anywhere.
In this guide, we’ll walk you through five effective ways to check your loan status online — whether you’ve applied through SBI, HDFC, ICICI, Axis Bank, Bajaj Finserv, or any other major lender. These steps are designed to save you time, reduce stress, and keep you informed at every stage of your loan journey.
How to Check Your Loan Status Online
1. Via the Bank’s Official Loan Tracking Portal
Most banks have dedicated online portals that allow applicants to track loan status in real-time. These portals require minimal information — typically your application number and registered mobile number or date of birth.
When you check your loan status online, you can easily access updates and track the progress of your application right from your device.
How to do it:
- Go to the official website of your bank.
- Look for the “Track Loan Application” or “Loan Status” section.
- Enter your application/reference number and other details.
- Submit and view the current status.
This method is especially useful if you don’t have internet banking access but have your application reference handy. Some banks also display the status stages, such as Under Review, Approved, or Disbursed.
2. Using the Mobile Banking App
If you’re an existing customer and use the bank’s mobile app, tracking your loan is even easier. Many banks now allow you to view loan details directly from the app’s dashboard.
Steps:
- Log in to your bank’s mobile app.
- Tap on “Loans” or “My Applications.”
- Select your loan application to view its progress.
The app may also show EMI schedules, outstanding balances, or even give you the option to upload missing documents if required.
Using the bank’s mobile app allows you to check your loan status online without any hassle, giving you instant access to important loan details.
Popular apps like YONO SBI, iMobile (ICICI), and HDFC MobileBanking make this process seamless with real-time push notifications and secure tracking.
3. Through Internet Banking (NetBanking)
If you have internet banking access with your bank, this is another effective method to check your loan status.
How:
- Visit your bank’s internet banking portal.
- Log in with your credentials.
- Navigate to “Loans” or “Loan Application Status.”
- Choose the relevant loan product to check its status.
Some platforms also allow you to chat with support or raise queries if you feel your application is delayed.
This method is especially recommended if your loan is linked to your existing savings account.
4. Calling Customer Care or Using Chatbots
If you want to check your loan status online, make sure you have your login credentials handy to streamline the process.
For those who don’t have access to apps or online banking, traditional customer support channels still work.
Options:
- Phone: Call your bank’s toll-free number and follow the IVR options to check your loan status. You may need your application number or registered mobile number.
- Chatbots: Many banks like Kotak Mahindra, Axis Bank, and ICICI Bank offer AI-powered chat support on their websites or WhatsApp.
Simply type “Track loan application” or a similar phrase, and the chatbot will guide you through the process.
While slower than digital methods, this is still a reliable option, especially for users unfamiliar with online tools.
5. SMS & Email Notifications
Banks often send out real-time updates on your loan application status via SMS and email. If you’ve provided your correct mobile number and email ID during the application process, you’ll automatically receive notifications.
Pro Tips:
- Check your SMS inbox for messages from your bank (e.g., AXISBK, ICICIB, HDFCBK).
- Watch your email (and spam folder) for updates regarding approvals, documentation needs, or rejections.
- Save important communication — especially reference numbers — for future tracking.
This method requires no active tracking, but it’s essential that you monitor your inbox regularly during the approval process.
To check your loan status online, using chat support can also provide quick answers and guidance regarding your application.
Comparison Table: Best Ways to Check Loan Status Online
| Method | Ease of Use | What You Need | Ideal For |
|---|---|---|---|
| Bank’s Loan Tracker Website | ⭐⭐⭐⭐ | Reference number, DOB or mobile number | First-time applicants |
| Mobile Banking App | ⭐⭐⭐⭐⭐ | App access, login PIN/password | Tech-savvy users with smartphone access |
| Internet Banking (NetBanking) | ⭐⭐⭐⭐ | NetBanking credentials | Existing customers with savings/current account |
| Chatbot/Customer Care | ⭐⭐⭐ | Mobile number or application ID | Users without online banking access |
| SMS/Email Alerts | ⭐⭐⭐⭐ | Active mobile/email linked to loan application | Passive updates and real-time approvals |
Why It’s Important to Track Your Loan Status
Keeping an eye on your loan application does more than satisfy curiosity. Here’s why it matters:
- Avoid delays: If documents are missing or rejected, you’ll be alerted in time to fix them.
- Plan your finances: Knowing when your loan is approved or disbursed helps you prepare for EMIs.
- Protect against fraud: If you spot suspicious loan activity or unexpected rejections, you can report it quickly.
Many banks notify you via SMS when you check your loan status online, ensuring you stay informed.
Common Mistakes to Avoid
- Using the wrong reference number – Always use the one given by the bank, not a third-party aggregator.
- Not checking updates regularly – Status can change within hours, especially during high application seasons.
- Ignoring SMS/Emails – These often carry crucial instructions for the next steps.
- Using fake websites – Only use official bank links to track your application.
- Mismatched mobile number – If you entered the wrong number during your application, you might miss alerts.
Final Thoughts
Monitoring your loan application via SMS updates is yet another way to check your loan status online, making it easier to track progress.
Tracking your loan application status online in 2025 has never been easier. Whether it’s through a bank’s portal, mobile app, or email notifications, the process is built to give borrowers peace of mind and transparency.
With just your phone or laptop, you can now check your status in real-time and take timely action if needed. So, next time you apply for a loan, bookmark these methods — they’ll save you time, stress, and possibly even money.
And remember, once your loan is approved, keep checking your app or NetBanking for EMI details and payment schedules. Staying updated doesn’t end after approval — it’s part of smart loan management.