How to Track Business Loan Applications via Net Banking or Email: A Complete Guide (2025)

Track Business Loan: In 2025, tracking your business loan application is no longer a tedious chore. Whether you’re applying for a small business loan, MSME financing, or working capital, most banks and NBFCs now offer simple, secure ways to check your loan status. Among the most reliable methods are net banking portals and email updates, both of which offer real-time visibility into your loan progress.

This guide explains exactly how to track your business loan application via net banking or email—along with links and tips from major Indian banks like HDFC Bank, SBI, IDFC FIRST Bank, ICICI, Kotak Mahindra Bank, and more.

Table of Contents

Why Tracking Your Business Loan Application Matters

Before diving into the steps, let’s understand why tracking is important:

Reduces uncertainty: You don’t need to guess whether your loan has been approved or not.
Helps you plan: Knowing the status allows you to arrange your business finances accordingly.
Eliminates delays: If a document is missing or further verification is needed, you’ll be notified quickly.
Easy access: With online portals and mobile updates, you can monitor from anywhere, anytime.

How to Track Your Business Loan Status via Net Banking

Many banks in India integrate business loan tracking within their online banking platforms. Here’s how you can do it in just a few clicks:

General Steps:

Login to your net banking account using your credentials.
Navigate to the “Loans” section or “Track Application”.
Enter your Loan Application ID, Reference Number, or Mobile Number (based on what the bank requires).
View the real-time status of your loan – approved, under process, or rejected.

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
ICICI Bank	Track Application	Reference Number
Axis Finance	Track 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
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

Below is a table detailing net banking tracking links from top Indian lenders:

How to Track Business Loan Application via Email

Not comfortable with net banking or want an alternative? Many banks let you track your business loan through email notifications. When you apply for a business loan, you’ll usually receive:

Acknowledgment Email with a reference number.
Status Update Emails notifying you about approval, rejection, or documentation requests.

Steps to Track via Email:

Open your email inbox.
Search for keywords like: "Loan Application ID", "Track My Loan", or the bank’s name (e.g., “ICICI Loan Status”).
Click on the tracking link in the email.
If there’s no link, forward your loan reference number to the official support email (e.g., customercare@hdfcbank.com).
Most banks reply within 24-48 hours with an update.

Pro Tip: Always apply using your primary email and keep a record of your loan application number.

What If You Don’t Have the Application Number?

No worries. Most banks allow tracking using alternatives like your registered mobile number, PAN, or email address. Here’s what to do:

Visit the bank’s official loan tracker page.
Look for options like “Track without Reference Number” or “Forgot Application ID”.
Enter your registered mobile or PAN.
Use the OTP sent to your phone for verification.

Top Banks and Their Email-Based Status Tracking Support

Bank/NBFC	Support Email ID	Email Tracking Available	Turnaround Time
HDFC Bank	support@hdfcbank.com	Yes	24–48 hours
SBI	contactcentre@sbi.co.in	Yes	24–72 hours
IDFC FIRST Bank	help@idfcfirstbank.com	Yes	24 hours
ICICI Bank	customer.care@icicibank.com	Yes	24 hours
Axis Bank	loans@axisbank.com	Yes	24–48 hours
Kotak Mahindra Bank	service.bank@kotak.com	Yes	48 hours
AU Small Finance Bank	customercare@aubank.in	Yes	24–48 hours

What Statuses Can You Expect?

When tracking your business loan, here are the most common statuses you might see:

Application Received – Your request is registered.
In Process – Verification of documents and eligibility is ongoing.
Approved – The loan has been sanctioned.
Disbursed – Funds have been released to your account.
On Hold – More documents or verification needed.
Rejected – Your loan didn’t meet the eligibility criteria.

Tips for Faster Loan Approval and Status Updates

Double-check your documents before submitting.
Use the same contact details across forms.
Always note your reference number and save confirmation emails.
Track status every 2–3 days until disbursed.
If your loan seems delayed, contact customer support directly.

Frequently Asked Questions (FAQs)

1. Can I track a business loan without using net banking?

Yes. You can track using your mobile number or email through the lender’s loan tracker page.

2. How long does it take for a business loan to be approved?

Typically 2–7 business days depending on the bank, type of loan, and documentation.

3. What should I do if I haven’t received any email updates?

Check your spam/junk folder or contact your bank’s loan support via email or helpline.

4. Will tracking the loan application affect my credit score?

No, checking your loan status is a neutral action and doesn’t impact your credit score.

5. Can I track MSME loans separately?

Yes. Many banks like Bank of India and PNB offer dedicated portals for MSME loan tracking.

Conclusion

Whether you’re starting a new venture or expanding your existing business, keeping tabs on your loan application can save you time and stress. With digital tools like net banking portals and email support, tracking has never been easier.

Always use official bank channels, safeguard your credentials, and act promptly on any updates you receive. For all your loan tracking needs across India’s major banks, bookmark trackmyloan.org — your trusted guide for navigating the loan lifecycle.