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Blogs > How to Check Your Loan Status Online in 2025: A Complete Guide
How to Check Your Loan Status Online in 2025: A Complete Guide
Applying for a loan—whether it's a personal loan, business loan, or credit card—can be exciting, but waiting for approval can be stressful. Knowing how to check your loan status online can give you peace of mind and help you plan better.
In this blog, we’ll guide you on how to track your loan application status, the data you need, and how different banks and fintech platforms like IndiaLends allow seamless tracking.
Why Check Your Loan Status?
Checking your loan application status helps you:
Ways to Check Loan Status Online
Here are the common ways to do a loan status check in 2025:
Method | Details |
Via IndiaLends Portal | Visit IndiaLends Loan Tracker and log in to your dashboard |
Using Loan Reference Number | Most lenders provide a reference/ application number via email/SMS |
Through Mobile App | Track real-time status on lender’s mobile app |
Customer Care/Email | Contact the lender with your application ID |
Net Banking/Loan Portal | Banks like HDFC, ICICI, SBI offer status tracking via net banking |
Estimated Loan Approval Timelines by Lender Type
Lender Type | Average Approval Time | Status Update Frequency |
Banks (HDFC, SBI) | 3–7 working days | Every 24–48 hours |
NBFCs (Bajaj, Tata) | 1–3 working days | Instant & daily updates |
Fintech (IndiaLends) | Within 48 hours | Real-time tracking |
How to Check Loan Status on IndiaLends
IndiaLends offers a fully digital, real-time loan tracking experience.
Steps:
IndiaLends also sends timely SMS and email updates during each step of your application—from document verification to disbursal.
Track Different Types of Loans
You can track loan status online for the following loans via IndiaLends:
What You Need to Check Loan Status
To check your loan status, keep these ready:
Common Reasons for Delay in Loan Status
Reason | Impact |
Incomplete documentation | Application put on hold |
Low credit score | Slower approval or rejection |
Mismatch in details (PAN, KYC) | Additional verification needed |
High existing debt | Risk-based delay |
Tip: Check your free CIBIL score before applying to improve chances of instant approval.
Frequently Asked Questions (FAQs) – Loan Status Check
1. How can I check my loan status online?
You can check your loan status online by visiting your lender’s official website or platform (like IndiaLends), logging in with your registered mobile number, and navigating to the “My Applications” or “Loan Status” section.
2. What details are required to track my loan application?
To track your loan application, you may need:
Loan application or reference number
Registered mobile number or email ID
PAN card or date of birth (for identity verification)
3. Can I track my IndiaLends loan application status in real-time?
Yes, IndiaLends provides real-time loan status updates. You can log in to your dashboard and view the latest update on your application, from document verification to final disbursal.
4. How long does it take to get loan approval?
Loan approval timelines vary:
Banks: 3–7 working days
NBFCs: 1–3 days
Fintech platforms like IndiaLends: Within 48 hours for eligible applicants
Use the loan status check feature to stay updated throughout the process.
5. Why is my loan status showing as “under review”?
A status like “under review” usually means your application is being verified. This may involve checking documents, credit score, or income details. If it stays unchanged for more than 3–4 days, contact customer support for an update.
6. Can I check the status of a Mudra loan or MSME loan?
Yes. You can check the status of your Mudra loan on the official Mudra website or through the partner bank/NBFC where you applied. For MSME loans through IndiaLends, use your dashboard to track real-time updates.
7. Will I get notified when my loan is approved?
Yes, most lenders (including IndiaLends) send SMS and email alerts at every stage—approval, document check, loan offer, and disbursal. You can also log in anytime to manually check your loan status.
8. What should I do if my loan status is stuck or delayed?
If your loan status hasn’t changed for several days:
Recheck if you submitted all required documents
Contact the lender’s support team
Use the lender’s helpline or email
Log in to your IndiaLends account and raise a query from the dashboard
9. Can I cancel my loan application after submitting it?
Yes, in most cases, you can cancel your loan application before final approval or disbursal. Contact customer support or log in to your account to check the cancellation options.
10. Does checking loan status affect my credit score?
No, simply checking your loan status or tracking your application does not affect your credit score. However, multiple hard inquiries from lenders can impact it, so apply only when necessary.
Final Thoughts
Tracking your loan status is now easier than ever, thanks to digital platforms like IndiaLends. Whether you’ve applied for a personal loan, MSME loan, or credit card, staying updated on your application status helps you plan better and avoid unnecessary delays.
Want to apply for a loan? Start your application now!
