How to read Insta Personal Loan SOA

Get a detailed view of your Insta Personal Loan summary, transaction, and payment details.
How to read Insta Personal Loan SOA
4 min read
28 Sep 2022

When you take a loan from a lender, they provide you with a monthly loan account statement until the end of your repayment tenure. This document records all the transactions that you make, like the payment due date, EMIs payable towards the loan, outstanding balance, and other valuable details. As a borrower, checking your loan statement helps you make timely payments and stay updated about repayment progress.

Sections of your Insta Personal Loan statement and what they mean

The loan statement provided by financial institutions is a vital document that helps you stay on top of your repayment schedule. Your monthly loan account statement consists of essential components. Mentioned below are the same:

  • Loan amount
    This is the amount you have borrowed from the lender.
  • Loan tenure
    These are the months/ years you selected to repay the loan amount.
  • Annualised interest rate
    The interest rate that you are charged on an annual basis.
  • Interest rate type, whether floating or fixed
    This shows the interest type that you chose when taking the loan.
  • Instalments amount
    This is your equated monthly instalments (EMI) amount that you must pay the lender on a fixed date every month.
  • Loan disbursal date
    The date on which the loan amount was credited to your bank account.
  • Interest start date
    As the term suggests, it shows you the date from which the interest was charged.
  • First and last instalment due date
    You can track your first as well as your last instalment due date in your loan statement.
  • Total loan amount paid
    Here you can find the total amount you have paid the lender to date.
  • Annual/ additional maintenance charge
    Your Insta Personal Loan statement will also show you the percentage and amount of your annual/ additional maintenance charge. It also displays the month in which this charge will be deducted.
  • Other fees and charges like bounce charges, part-prepayment charges, etc. (if applicable)
    These charges are applicable only if you have missed an EMI, plan to part-prepay your loan or even foreclose your loan.
  • Principal outstanding amount
    This is the most important information as it tells you how much you still owe the lender. You can plan your future expenses and repayment based on this balance amount.

How to get your Insta Personal Loan repayment statement from My Account.

Our dedicated customer portal, My Account, allows you to check and download your Insta Personal Loan account statement without hassle. Here are the steps to read your account statement on a desktop or a mobile:

Step 1: Visit the customer portal and provide your mobile number and date of birth.

Step 2: Enter the OTP sent to your registered phone number to log in.

Step 3: Once logged in, visit the ‘Menu’ section, and click on ‘Mandate and Documents’.

Step 4: Select the loan account for which you need the e-statement and click on ‘Statement of Account’ to download your e-statement.



While care is taken to update the information, products, and services included in or available on our website and related platforms/ websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/ service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/ service document and applicable terms and conditions. In case any inconsistencies are observed, please click on reach us.

*Terms and conditions apply