A "low interest" loan shouldn't mean you have very little interest in paying it back!
  • Bank of India Home Loan Customer Care

    Toll-Free Number 1800220229
    Chargeable Call Centre Phone Number within India 02240919191
    Chargeable Call Centre Phone Number from overseas 912240919191

    Bank of India Customer Care IVR Manual  

    Call 1800 22 0229. You will have to follow the following steps to reach the customer care executives through the IVR hotline number:  

    1. Welcome to Bank of India. 

    2. For information in English, press 1, hindi mein jankari ke liye 2 dabaiye, for information in regional language, press 3 

    3. Press 1. You will get the following options: 

    • For account related information, press 1 
    • To report your loss of debit card, press 2 
    • To change your existing telebanking pin, press 4 
    • For credit card service, press 5 
    • For any other services or to speak to the phone banking officer, press 9 

    4. Press 9. You will be directly connected to a customer care executive of the bank. Speak to him/her about your queries/concerns.  

    Alternately, if you don’t choose any of the above-mentioned options, you will be provided with the following options: 

    • If you are an NRI press 1 
    • Otherwise press 2 

    Once you select the suitable option, your call will be transferred to a customer care executive who will address your queries. 

    Other ways to reach Bank of India 

    Mobile Banking related queries 022-4091 9191 
    SMS Banking +919810558585  
    Email (Indian residents) BOI.CallCentre@bankofindia.co.in (customer complaints) 
    ho.cebb@bankofindia.co.in (customers/non-customers) 
    boi.starconnect@bankofindia.com/star.sampark@bankofindia.co.in (suggestions) 
    Email (NRIs) HeadOffice.NRI@bankofindia.co.in  HeadOffice.FBD@bankofindia.com 
    Online link for complaint submission Online complaint form 
    Postal Address (Head Office) Bank of India, Star House, C - 5, “G” Block, Bandra Kurla Complex, Bandra (East), Mumbai, 400-051  Phone No.: 022-66684444

    Points to Remember 

    • Bank of India’s dedicated toll-free customer care numbers 1800 103 1906/022-4091 9191 are available 24 hours across India. Both Indians and overseas customers can call these numbers for any general queries related to home loan. 
    • If you want to contact the Head of Bank of India Home loan Department through postal mail you can write to their postal address given above. 
    • In case of any home loan related complaints, suggestions, and feedbacks you can write to the Home Loan department of the bank using this form in the link: http://www.bankofindia.co.in/english/GrievanceForm_pg.aspx 
    • When you lodge a complaint online you will be provided with a “Tracker ID’ as an acknowledgement. Carefully preserve this ID for future reference. 
    • On registering a complaint with the bank through the helpline numbers you can expect to get a resolution within a few days. If you don’t get a response from the customer care team, or the response is not up to satisfaction you can raise the issue to the next level of Grievance Redressal (see below). 
    • If you want to personally meet the officials of the bank and lodge your complaint you can do that by visiting the bank. Use this branch locator to find the nearest branch: https://www.bankofindia.co.in/Home/BranchLocator 
    • In case of any home loan-related queries NRIs can write to these specialised NRI branches in India to get their queries resolved: 
      Branch Phone Number Email
      Ahmedabad Tel: 0091-079- 26580514/ 26581538/ 26585038 Email: ahmdnri.ahmedabad@bankofindia.co.in
      Anand Tel: 0091-2692 256291/2, 0091-2692 256290 Email: anandnri.vadodara@bankofindia.co.in
      Bhuj Tel: 0091-2832-250832 Email: Bhujnri.Gandhingr@bankofindia.co.in
      Ernakulam Tel: 0091-04842380535,2389955,2365158 Email: ErnakulamNRI.Kerala@bankofindia.co.in
      Mumbai Tel: 0091-22-22668100,22668102 Email: MumbaiNRI.Mumbaisouth@bankofindia.co.in
      New Delhi Tel: 0091-11-28844078, 0091-11-23730108, 0091-11-28844079 Email: NewDelhiNRI.NewDelhi@bankofindia.co.in
      Margao -- Email: Margaonri.Goa@bankofindia.co.in
      Pudhucherry Tel: (0413) 2338500, 2338501, 9597456500 Email: PudhucheryNri.Chennai@bankofindia.co.in
      Navsari -- Email: NavsariNri.Vadodara@bankofindia.co.in
    • NRI customers can get the details of the overseas branches of the bank by visiting this link: https://www.bankofindia.co.in/Details/overseas 
    • The branch manager is the Nodal Officer for Grievance Redressal at the branch. This means for addressing your grievance you should approach the manager of your zone, who is also the Nodal Officer for Grievance Redressal of your zone. 
    • The Internal Ombudsmen should be approached as the last recourse. If you don't get a satisfactory response from any of the banking channels through call, mail or post, then only you should escalate the matter to the Ombudsmen. 

    Redressal of Complaints and Grievance System  

    In case you register a complaint regarding your home loan through any of the above-mentioned banking channels and you don’t get a satisfactory response from the bank, you can escalate the matter through the Grievance Redressal Mechanism of the bank. 

    • Level 1: In case of any grievance or complaint, at first you should report the matter to the Branch Manager of your branch. Alternately, you can also register the complaint online by using this complaint form: https://www.bankofindia.co.in/forms/Grievance 
    • Level 2: If the branch doesn’t reply to your complaint within 5 days of receipt of the complaint or you are dissatisfied the resolution, you may approach the Zonal Manager positioned at the respective zonal offices of the bank. Here are the addresses and contact details of the zonal offices: 
    Zone  Contact Number 
    Bokaro Zone  06542-231520 
    Dhanbad Zone   0326-2304012 
    Hazaribagh Zone  06546-272482/223983 
    Jamshedpur Zone   0657-2434285 
    Raipur Zone    0771-4212401 
    Ranchi Zone   0651-2331386 
    • Level 3: In case you didn’t get a response within 5 days at the zonal level or the complaint is not resolved to your satisfaction you can escalate the matter to the concerned NBG Zonal Manager of the bank. The addresses and contact details of the nodal officers/zonal managers of each zone are: 
    Name Phone Number Email
    Agra (NBG-North-II) Tel: 0562-2521324, 2525953 Email: zo.agra@bankofindia.co.in
    Ahmedabad (NBG Central) Tel: 079-25353091, 25353088/0556 Email: zo.ahmedabad@bankofindia.co.in
    Amritsar (NBG- North-I) Tel: 0183 – 5099331/6 Email: zo.amritsar@bankofindia.co.in
    Andhra Pradesh (NBG-South) Tel: 0891-2535688, 2718378 Email: zo.andhrapradesh@bankofindia.co.in
    Bardhaman (NBG-East) Tel: 0343- 2533302,25333 03 Email: zo.bardhaman@bankofindia.co.in
    Bengaluru (NBG-South) Tel: 080- 22959400/01 Email: zo.bengaluru@bankofindia.co.in
    Bhagalpur (NBG-North–II) Tel: 0641-2242150, 2420688 Email: zo.bhagalpur@bankofindia.co.in
    Bhopal (NBG-Central) Tel: 0755- 2553354 2554404 Email: zo.bhopal@bankofindia.co.in
    Bhubaneshwar (NBG-East) Tel: 0674 - 2551318/9244 Email: zo.bhubaneswar@bankofindia.co.in
    Bokaro (NBG-Jharkhand/Chhattisgarh) Tel: 06542- 226252/ 231520 231067,231501, 231263 Email: zo.bokaro@bankofindia.co.in
    Chandigarh (NBG-North-I) Tel: 0172-2704608, 2671504/26555 88 Email: zo.chandigarh@bankofindia.co.in
    Chennai (NBG-South) Tel: 044-66777510, 66777500/501 Email: zo.chennai@bankofindia.co.in
    Coimbatore (NBG-South) Tel: 0422-2397221, 2397056 Email: zo.coimbatore@bankofindia.co.in
    Dehradun (NBG-North-II) Tel: 0120 - 2404030/138 Email: zo.dehradun@bankofindia.co.in
    Dhanbad (NBG-Jharkhand/Chhattisgarh) Tel: 0326 - 2304012/23036 50 Email: zo.dhanbad@bankofindia.co.in
    Gandhinagar (NBG Central) Tel: 079-23222659, 23223561 Email: zo.gandhinagar@bankofindia.co.in
    Ghaziabad (NBG-North-II) Tel: 0120- 2404132/134, 2404030 Email: zo.ghaziabad@bankofindia.co.in
    Goa (NBG-West-I) Tel: 0832- 2404404/5/240 4400, Email: zo.goa@bankofindia.co.in
    Guwahati (NBG-East) Tel: 0361- 2347993/4/5/6/8 Email: zo.guwahati@bankofindia.co.in
    Hazaribagh (NBG-Jharkhand/Chhattisgarh) Tel: 06546 - 223983/227792 Email: zo.hazaribagh@bankofindia.co.in
    Howrah (NBG-East) Tel: 033- 22623525,26,2 7 Email: zo.howrah@bankofindia.co.in
    Dharwad (NBG-South) Tel: 0836-2333305/ 02 Email: zo.hubballidharwad@bankofindia.co. in
    Indore (NBG-Central) Tel: 0731 - 2445101/111 2445100 -150 Email: zo.indore@bankofindia.co.in
    Jaipur (NBG-North-I) Tel: 0141- 2656221, 2658002, 2656234 Email: zo.jaipur@bankofindia.co.in
    Jodhpur (NBG-North-I) Tel: 0291-2760086, 2755443, 2754443 Email: zo.jodhpur@bankofindia.co.in
    Kanpur (NBG-North-II) Tel: 0512-2306671, 23043 18/4338 Email: zo.kanpur@bankofindia.co.in
    Keonjhar (NBG-East) Tel: 06766-255896, 255297 Email: zo.keonjhar@bankofindia.co.in
    Kerala (NBG-South) Tel: 0484-2349686, 2344280, 2338480 Email: zo.kerala@bankofindia.co.in
    Khandwa (NBG-Central) Tel: 0733-2248534/2248569, 2248746 Email: zo.khandwa@bankofindia.co.in
    Kolhapur (NBG-West-II) Tel: 0231-2646375, 26463 71 Email: zo.kolhapur@bankofindia.co.in
    Kolkata (NBG-East) 033-22318938, 22481973 Email: zo.kolkata@bankofindia.co.in
    Lucknow (NBG-North-II) Tel: 0522-2721592, 2721541, 2721486 Email: zo.lucknow@bankofindia.co.in
    Ludhiana (NBG-North-1) Tel: 0161-2410809, 2405977, Email: zo.ludhiana@bankofindia.co.in
    Mumbai North (NBG-West-I) Tel: 022-28827770/28821399, 28824842 Email: zo.mnz @ bankofindia.co.in
    Mumbai South (NBG-West-I) Tel: 022- 22623656, 2262 2717 Email: zo.mumbaisouthzone@bankofindia.c o.in
    Muzaffarpur (NBG-North-II) Tel: 0621-2273695, 2273634 Email: zo.muzaffarpur@bankofindia.co.in
    Nagpur (NBG-West-II) Tel: 0712-2531404, 2532205 Email: zo.nagpur@bankofindia.co.in
    Navi Mumbai (NBG-West-I) Tel: 022-27564910/ 12/13, 27564909/2756 4126/909 Email: zo.navimumbai@bankofindia.co.in
    New Delhi (NBG-North-I) Tel: 011-23310526, 23722158, 23311647 Email:zo.newdelhi@bankofindia.co.in
    Patna (NBG-North-II) Tel: 0612-2220640, 2223369/567 Email: zo.patna@bankofindia.co.in
    Pune (NBG-West-II) Tel: 020- 25535400/21, 25535400/868 Email: zo.pune@bankofindia.co.in
    Raigad (NBG-West-I) Tel: 02141-228895, 223895/222269 Email: zo.raigad@bankofindia.co.in
    Raipur (NBG- Jharkhand/ Chhattisgarh) Tel: 0771- 4212450/4212401, 4212403 Email: zo.raipur@bankofindia.co.in
    Rajkot (NBG-Central) TeL: 0281-2240601, 2231277 Email: zo.rajkot@bankofindia.co.in
    Ranchi (NBG- Jharkhannd / Chhattisgarh) Tel: 0651 - 2330520/2331386, 2200837 Email: zo.ranchi@bankofindia.co.in
    Ratnagiri (NBG-West-II) Tel: 02352 - 226145, 223155/233155 Email: zo.ratnagiri@bankofindia.co.in
    Siliguri (NBG-East) Tel: 0353-2642221, 2641718 Email: zo.siliguri@bankofindia.co.in
    Solapur (NBG-West-II) Tel: 0217-2319479, 2317077 Email: zo.solapur@bankofindia.co.in
    Telangana (NBG-South) Tel: 040-2315172, 23315263 Email: zo.telangana@bankofindia.co.in
    Ujjain (NBG-Central) Tel: 0734- 2574800/2525545 Email: zo.ujjain@bankofindia.co.in
    Vadodara (NBG-Central) Tel: 0265-2397895, 2396114 Email: zo.vadodara@bankofindia.co.in
    Varanasi (NBG-North-II) Tel: 0542- 2276209/94/6844 Email: zo.varanasi@bankofindia.co.in
    Vidharbha (NBG-West-II) Tel: 0715-2245341 Email: zo.vidarbha@bankofindia.co.in

    Note: For more details check here: https://www.bankofindia.co.in/pdf/NodalofficerBankinOmbudsman.pdf 

    • Level 4: If the NBG is unable to resolve the grievance within 2 days you can reach out to the Bank's Nodal Officers at the Head Office. The Head Office Department will resolve the grievance within 4 days. Write the full details of the case to the officials at the following addresses: 
      Nodal Officer for Grievance Redressal Contact Details 
      Smt. Phani Deshmukh  Assistant General Manager  Tel: 022-66684479  Email: phani.deshmukh@bankofindia.co.in 
      Shri Balkrishna K Arsekar  Deputy General Manager  Tel: .022-66684510  Email: balkrishna.arsekar@bankofindia.co.in 
      Chief Nodal Officer for Grievance   --
       Shri D. P. Sharma  General Manager   Tel: 022-66684860/4479   Email: cgro.boi@bankofindia.co.in 

    In case the bank fails to provide you with a satisfactory resolution of your grievance within 15 days of lodging the complaint, you can escalate the Banking Ombudsmen of the bank appointed by the Reserve Bank of India to review and redress the grievances of the customers within the bank and ensure that they don’t get escalated to the RBI or the consumer court.   

    However, all the partially or wholly rejected complaints will automatically get escalated to the Ombudsmen after 15 days: 

    Here are the addresses and jurisdictions of the Banking Ombudsmen of the bank appointed by the Reserve Bank of India: 

    Centre  Address  Jurisdiction 
    Ahmedabad   C/o Reserve Bank of India, La Gajjar Chambers, Ashram Road, Ahmedabad-380 009   STD Code: 079 Tel. No. 26582357/26586718 Fax No. 26583325  Email: boahmedabad@rbi.org.in  Gujarat, Union Territories of Dadra and Nagar Haveli, Daman and Diu 
    Bengaluru  C/o Reserve Bank of India 10/3/8, Nrupathunga Road, Bengaluru -560 001   STD Code: 080 Tel. No. 22210771/22275629 Fax No. 22244047   Email: bobangalore@rbi.org.in  Karnataka 
    Bhopal   C/o Reserve Bank of India, Hoshangabad Road, Post Box No. 32, Bhopal-462 011 STD Code: 0755 Tel. No. 2573772/2573776 Fax No. 2573779   Email: bobhopal@rbi.org.in  Madhya Pradesh 
    Bhubaneswar   C/o Reserve Bank of India, Pt. Jawaharlal Nehru Marg, Bhubaneswar-751 001 STD Code: 0674 Tel. No. 2396207/2396008 Fax No. 2393906   Email: bobhubaneswar@rbi.org.in   Odisha 
    Chandigarh  C/o Reserve Bank of India, 4th Floor, Sector 1, Chandigarh Tel. No. 0172 - 2721109 Fax No. 0172 - 2721880   Email: bochandigarh@rbi.org.in    Himachal Pradesh, Punjab, Union Territory of Chandigarh and Panchkula, Yamuna Nagar, and Ambala Districts of Haryana. 
    Chennai   C/o Reserve Bank of India, Fort Glacis, Chennai 600 001  STD Code: 044 Tel No. 25395964 Fax No. 25395488 Email: bochennai@rbi.org.in   Tamil Nadu, Union Territories of Puducherry (except Mahe Region), and Andaman and Nicobar Islands 
    Guwahati  C/o Reserve Bank of India, Station Road, Pan Bazar Guwahati-781 001   STD Code: 0361 Tel.No.2542556/2540445 Fax No. 2540445   Email: boguwahati@rbi.org.in  Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland, and Tripura 
    Hyderabad   C/o Reserve Bank of India 6-1-56, Secretariat Road Saifabad, Hyderabad-500 004   STD Code: 040 Tel. No. 23210013/23243970 Fax No. 23210014   Email: bohyderabad@rbi.org.in  Andhra Pradesh and Telangana 
    Jaipur  C/o Reserve Bank of India, Ram Bagh Circle, Tonk Road, Post Box No. 12 Jaipur-302 004   STD Code: 0141 Tel. No. 0141-5107973 Fax No. 0141-2562220 Email: bojaipur@rbi.org.in  Rajasthan 
    Kanpur  C/o Reserve Bank of India, M. G. Road, Post Box No. 82 Kanpur-208 001   STD Code: 0512 Tel. No. 2306278/2303004 Fax No. 2305938   Email: bokanpur@rbi.org.in    Uttar Pradesh (except for Districts of Ghaziabad, Gautam Buddha Nagar, Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor, and Amroha (Jyotiba Phule Nagar) 
    Kolkata   C/o Reserve Bank of India, 15, Netaji Subhash Road, Kolkata-700 001   STD Code: 033 Tel. No. 22304982 Fax No. 22305899 Email: bokolkata@rbi.org.in   West Bengal and Sikkim 
    Mumbai   C/o Reserve Bank of India, 4th Floor, RBI Byculla Office Building, Opp. Mumbai Central Railway Station, Byculla, Mumbai-400 008   STD Code: 022 Tel No. 23022028 Fax: 23022024   Email: bomumbai@rbi.org.in Maharashtra and Goa 
    New Delhi (I)  C/o Reserve Bank of India, Sansad Marg, New Delhi   STD Code: 011 Tel. No. 23725445/23710882 Fax No. 23725218 Email: bonewdelhi@rbi.org.in  Delhi 
    Patna  C/o Reserve Bank of India, Patna-800 001   STD Code: 0612 Tel. No. 2322569/2323734 Fax No. 2320407 Email: bopatna@rbi.org.in Bihar 
    Thiruvananthapuram   C/o Reserve Bank of India, Bakery Junction, Thiruvananthapuram-695 033 STD Code: 0471 Tel. No. 2332723/2323959 Fax No. 2321625 Email: bothiruvananthapuram@rbi.org.in Kerala, Union Territory of Lakshadweep, and Union Territory of Puducherry (only Mahe Region). 
    New Delhi (II)  C/o Reserve Bank of India, Sansad Marg, New Delhi STD Code: 011 Tel. No. 23724856 Fax No. 23725218-19 Email: bonewdelhi2@rbi.org.in  Haryana (except Panchkula, Yamuna Nagar, and Ambala Districts) and Ghaziabad, and Gautam Budh Nagar districts of Uttar Pradesh 
    Dehradun  C/o Reserve Bank of India, 74/1 GMVN Building, 3rd floor, Rajpur Road, Dehradun - 248 001   STD Code: 0135 Telephone: 2742003 Fax: 2742001 Email: bodehradun@rbi.org.in  Uttarakhand and seven districts of Uttar Pradesh viz., Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor, and Amroha (Jyotiba Phule Nagar) 
    Ranchi   C/o Reserve Bank of India, 4th Floor, Pragati Sadan, RRDA Building, Kutchery Road, Ranchi Jharkhand 834001   STD Code: 0651 Telephone: 2210512 Fax: 2210511 Email: boranchi@rbi.org.in Jharkhand 
    Raipur   C/o Reserve Bank of India, 54/949, Shubhashish Parisar, Satya Prem Vihar, Mahadev Ghat Road, Sundar Nagar, Raipur- 492013   STD Code: 0771 Telephone: 2242566 Fax: 2242566 Email: boraipur@rbi.org.in Chhattisgarh 
    Jammu  C/o Reserve Bank of India, Rail Head Complex, Jammu- 180012 STD Code: 0191 Telephone: 2477617 Fax: 2477219 Email: bojammu@rbi.org.in  State of Jammu and Kashmir 


    1.How to check the status of my complaint/grievance registered online?  

    You can check the status of your grievance registered online by using the tool available in this link: https://www.bankofindia.co.in/forms/Grievance 

    2. How to stop receiving telemarketing calls from Bank of India?  

    If you don’t want any telemarketing calls you can register for the ‘Don’t Call Facility. After 30 days of registration the facility will get activated, and you will stop receiving promotional calls in relation to marketing of certain products.  If you continue to receive calls you can get in touch with the customer care centre to stop receiving calls. 

    3. How to check the available balance in my loan amount through SMS Banking?  

    In order to make a 'Balance Enquiry', send SMS to +919810558585 in the following format: 

    BAL <SMS Password><Account Number> </Account Number></SMS Password>

    4. How to set or change SMS password required for mobile banking?  

    Download the Mobile Banking application of Bank of India available on Google Play Store and Apple Store and log on using your credentials. Next, provide your registered mobile number and click on ''Set/Change SMS Password' to change SMS Password.  

    5. Within how many days of receiving a complaint the bank will convey the final decision?  

    Within a period of 30 days, from the receipt of complaint the final decision will be conveyed to you. 

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