ITR Filing 2026: How to Download Interest Certificate from SBI, HDFC Bank, ICICI Bank, Axis Bank & India Post
Introduction
When filing your Income Tax Return (ITR), it is essential to report the interest earned from your bank accounts. Interest received from Savings Accounts, Fixed Deposits (FDs), Recurring Deposits (RDs), and Post Office deposit schemes may be taxable depending on your total income.
To accurately report your interest income, taxpayers should obtain an Interest Certificate. This document provides a detailed record of the interest earned during the financial year and helps ensure correct tax reporting.
If you are filing your ITR for Assessment Year 2026, you can conveniently download your interest certificate online from SBI, HDFC Bank, ICICI Bank, Axis Bank, and India Post.
What is an Interest Certificate?
An Interest Certificate is an official document issued by a bank or financial institution that contains details of the interest earned during a financial year.
It generally includes:
- Savings Account Interest
- Fixed Deposit (FD) Interest
- Recurring Deposit (RD) Interest
- Tax Deducted at Source (TDS), if applicable
- Total Interest Earned During the Financial Year
This certificate helps taxpayers accurately calculate and report their interest income while filing their Income Tax Return.
How to Download SBI Interest Certificate
State Bank of India (SBI) customers can download their interest certificate through YONO SBI or Internet Banking.
Steps:
- Log in to SBI Internet Banking.
- Go to the e-Services section.
- Select My Certificates.
- Choose Interest Certificate.
- Select the relevant Financial Year.
- Download the certificate.
How to Download HDFC Bank Interest Certificate
HDFC Bank customers can download their interest certificate through NetBanking.
Steps:
- Log in to HDFC NetBanking.
- Navigate to the Accounts section.
- Select Download Interest Certificate.
- Choose the applicable Financial Year.
- Download the certificate in PDF format.
How to Download ICICI Bank Interest Certificate
ICICI Bank customers can obtain their interest certificate through Internet Banking or the iMobile App.
Steps:
- Log in to ICICI Internet Banking.
- Open the Accounts section.
- Select Interest Certificate.
- Choose the required Financial Year.
- Download the certificate.
How to Download Axis Bank Interest Certificate
Axis Bank customers can download their interest certificate using Axis Internet Banking or the Axis Mobile App.
Steps:
- Log in to Axis Internet Banking.
- Go to the Accounts section.
- Select Interest Certificate.
- Choose the Financial Year.
- Download the certificate.
How to Download India Post Interest Certificate
Customers with India Post Savings Bank or Post Office deposit schemes can obtain their interest certificate by visiting their nearest Post Office.
If you have an India Post Payments Bank (IPPB) account, you can also check your account details using IPPB Mobile Banking services.
Why is an Interest Certificate Important for ITR Filing 2026?
An Interest Certificate helps you:
- Accurately report your interest income.
- Calculate your income tax correctly.
- Avoid errors while filing your Income Tax Return.
- Match your income details with the Annual Information Statement (AIS).
- Reduce the chances of receiving an Income Tax notice due to incorrect reporting.
Is Bank Interest Taxable?
Yes. Interest earned from bank accounts is generally taxable under the head "Income from Other Sources."
Taxpayers are required to disclose their total interest income while filing their Income Tax Return.
Frequently Asked Questions (FAQs)
1. Is an Interest Certificate mandatory for ITR filing?
No. While it is not mandatory, an Interest Certificate is highly recommended as it helps ensure accurate reporting of interest income.
2. Can I download my SBI Interest Certificate online?
Yes. SBI customers can download their Interest Certificate through Internet Banking or the YONO SBI mobile application.
3. When will the Interest Certificate for Financial Year 2025–26 be available?
Most banks make the Interest Certificate available after the completion of the financial year.
4. Do I need to report Savings Account Interest in my ITR?
Yes. Interest earned from a Savings Account should be reported while filing your Income Tax Return.
5. What should I do if I cannot download my Interest Certificate?
You can request the certificate through your bank branch, Internet Banking, Mobile Banking application, or customer support.
Conclusion
Accurate reporting of bank interest income is an important part of ITR Filing 2026. Customers of SBI, HDFC Bank, ICICI Bank, Axis Bank, and India Post can easily download their Interest Certificate online and use it to file their Income Tax Return correctly.
If you need professional assistance with Income Tax Return filing, tax planning, or overall tax compliance, consulting experienced Chartered Accountants can help ensure a smooth and error-free filing process.
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