A "low interest" loan shouldn't mean you have very little interest in paying it back!
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For any comments/suggestions/feedback you can:
If you feel that the services offered by the bank is not up to your expectations and your complaints/enquiry/grievances have not been addressed to your satisfaction, here is the grievances redressal process:
Step 1: Contact the bank’s Branch Manager where you have your account. You can contact over phone or Register the Complaint in the Complaint Register available with Branch Manager. You are expected to get a resolution within 7 days.
Step 2: If you are not satisfied with the resolution offered by the Branch Manager, your can write to the Regional Manager or send an email. You will receive the response within 7 days. Here is the link of all the regional nodal officers: https://www.iob.in/uploads/CEDocuments/RegionalNodalofficerason0702.pdf
Step 3: If your complaint is still unresolved by the Regional Manager, you may write or send an email to the General Manager, Customer Service Dept. being the Nodal Officer, Public grievances at Central Office. You will receive the resolution within 7 days.
Step 4: If you are still not satisfied with the resolution offered for your complaint, you can contact S.Ramesh as the Internal Ombudsman of the Bank.
Step 5: Even after having followed the above steps, if are not satisfied, you may approach Banking Ombudsman constituted by RBI under Banking Ombudsman Scheme-2006.
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