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  • Personal Loan BYTES FROM OUR KITCHEN

    Karnataka Bank Personal Loan Customer Care

    When you need financial assistance, you can turn to Karnataka Bank for a variety of financial products. From car loans and personal loans to opening a savings or deposit account, you can rely on Karnataka Bank for your monetary needs. Besides offering great products, the bank also has a reliant customer care facility to address all your queries and clarifications. You can get in touch with the customer care centre for all your doubts. .

    Karnataka Bank Customer Care Details

    The bank believes in offering you assistance for all your complaints, suggestions, enquiries, and more. Listed below are the different channels you can opt for to get your grievances addressed.

    Toll-free helpline number 1800 425 1444
    Customer care phone number 080-22021507 OR 080-22021508 OR 080-22021509
    Support email ID info@ktkbank.com

    If you want to provide suggestions or register a complaint, you can access the above channels to get assistance from the customer care team at Karnataka Bank.

    Whether you want to lodge a complaint, have some queries, or wish to provide a feedback, the customer care team of Karnataka Bank is always ready to listen to you. With its seamless operations, your grievance would be redressed in a timely and fitting way. Since the bank drives to surpass itself, your feedbacks and suggestions are always valued. You can pick up the phone and dial the toll-free customer care number if you have any questions in mind regarding the services offered at Karnataka Bank.

    Please check out the details of Karnataka Bank Regional Offices mentioned below:

    Regional Office Designation Phone/Fax Number Email ID Address
    Bengaluru Deputy General Manager 080-22955800/22955805/22955819 bangalore.ro@ktkbank.com Karnataka Bank Ltd. Regional Office P. B. No. 5171, Mohan Mansion 105, Kasturba Road BENGALURU - 560 001
    Mangaluru Assistant General Manager 0824-2229826/2229827 mangalore.ro@ktkbank.com Karnataka Bank Ltd. Regional Office P. B. No. 746, Kodialbail MANGALURU - 575 003
    Mysuru Assistant General Manager 0821-2417570/2343310/2543320 mysore.ro@ktkbank.com Karnataka Bank Ltd. Regional Office New Kantharaje Urs Road, Kuvempunagar MYSURU - 570 023
    Udupi Assistant General Manager 0820-2523333 udupi.ro@ktkbank.com Karnataka Bank Ltd. Regional Office "Shantha", Second Floor, Kinnimulky UDUPI - 576 101
    Tumakuru Assistant General Manager 0816- 2279038/2279096/2279058 tumakuru.ro@ktkbank.com Karnataka Bank Ltd. Regional Office First floor, Sidda Shree Bhavan No. 364, A Ward NO. 19 Siddaganga Extension, B.H.Road TUMAKURU - 572 102
    Hubballi Assistant General Manager 0836-2216050/2216017 hubli.ro@ktkbank.com Karnataka Bank Ltd. Regional Office Neeligin Road, New Cotton Market HUBBALLI - 580 029
    Shivamogga Assistant General Manager 08182-227003/229385 shimoga.ro@ktkbank.com Karnataka Bank Ltd. Regional Office Savalanga Road, P. B. No. 132 SHIVAMOGGA - 577 201
    New Delhi Deputy General Manager 011-25717248/25717244/25718155 del.ro@ktkbank.com Karnataka Bank Ltd. Regional Office M-13, (A), Punj House, 1st floor Connaught Circus NEW DELHI - 110 001
    Hyderabad Assistant General Manager 040 - 23732072 hyderabad.ro@ktkbank.com Karnataka Bank Ltd. Regional Office Plot No. 50, First Floor, Road No. 3 Srinagar Colony, Banjara Hills HYDERABAD - 500 073
    Kolkata Assistant General Manager 033-22268583 kolkata.ro@ktkbank.com Karnataka Bank Ltd. Regional Office First floor, Office no. 111 Diamond Prestige, 41A, AJC Bose Road KOLKATA - 700 017
    Mumbai Deputy General Manager 022-26572804/26572813/26572816 mumbai.ro@ktkbank.com Karnataka Bank Ltd. Regional Office, 2nd 'E' Block "The Metropolitan", Plot No. C 26 & 27 Bandra - Kurla Complex, Bandra (East) MUMBAI - 400 051
    Chennai Assistant General Manager 23453223 chennai.ro@ktkbank.com Karnataka Bank Ltd. Regional Office 171, Thambu Chetty Street, P. B. NO. 1878 CHENNAI - 600 001

    Grievance Redressal at Karnataka Bank

    While the services of Karnataka Bank are always up to the mark, the bank always aspires to address the grievances, if there are any, as promptly as possible. The bank has an orderly procedure to solve the complainant’s issue. Besides the online complaint registration, you can also get in touch with the concerned official through phone, email, or letter.

    • Step 1: The complainant can reach out to the concerned Branch Head regarding his or her grievance redressal.
    • Step 2:If the complaint or feedback isn’t amended by the Branch Head or the resolution doesn’t seem satisfying, the applicant can get in touch with the bank’s concerned Regional Office.
    • Step 3: If the petitioner isn’t satisfied with the outcome of his or her feedback or grievance, he or she can further approach the Head Office regarding the matter.

    If the complaint isn’t resolved by the bank or the applicant finds the resolution unsatisfactory, he or she may contact the Banking Ombudsman in accord to the Banking Ombudsman Scheme, 2006 for an adequate resolution.

    KBL Suvidha OD

    When a temporary financial crisis comes unannounced, personal loans are the greatest boon available to an individual that can be used to overcome the crisis. Since there is no explanation required regarding the expenditure of the loan amount, personal loans can be used to clear off any pending debt, purchase any consumer durable, or for any personal expenditure.

    KBL Suvidha OD is the personal loan offered by the Karnataka Bank to take care of the financial aspect of your personal requirements.

    KBL Suvidha OD eligibility criteria:

    • The candidate must be an Indian citizen.
    • The individual must be of minimum 21 years of age.
    • If the applicant is a salaried professional, his or her gross monthly salary must be Rs.10,000 or above.
    • If the claimant is retired, he or she must have a separate disposable income other than pension.
    • If the candidate is neither a salaried professional nor retired, his or her minimum annual gross income should be Rs.1,20,000.

    KBL Suvidha OD additional points to be noted:

    • The maximum applicable loan amount is twice the average income for the past 2 years or 24 times the latest take-home salary of the applicant.
    • The minimum loan amount offered in the scheme is Rs.1 lakh while the maximum is Rs.25 lakh.
    • The policy offers flexible loan repayment tenure with a maximum of 24 months.
    • As security, the candidate has to mortgage his or her residential/commercial properties, or provide liquid securities amounting to a minimum of 150% of the loan amount.
    • Under this plan, the spouse must offer loan guarantee if feasible. Otherwise, a third party solvent guarantor is required.
    • A margin of 33.33% on the security amount is applicable.
    • The rate of interest is 13.95% as of January 2018

    KBL Salaried Persons Scheme

    Karnataka Bank offers an attractive personal loan scheme to finance the personal requirements of salaried individuals. This loan can used for various purposes such as purchase of any consumer durables or household items, repair of the applicant’s residential property, payment of medical bills of self or dependant, expenses at family functions, child’s educational expenses, payments for funeral costs, and many more.

    KBL Salaried Persons Scheme eligibility criteria:

    • The candidate must be a permanent employee of a renowned company, school, college, or university
    • The salaried individual must have a minimum of 3 years till retirement
    • The minimum age of the applicant should be 21 years

    KBL Salaried Persons Scheme key points:

    • The maximum applicable loan can be 10 times the monthly gross salary of the applicant.
    • A candidate can withdraw a maximum of Rs.5 lakh as loan amount.
    • This scheme has flexible repayment tenure subject to a maximum of 60 months.
    • If the loan amount is less than Rs.3 lakh, the co-obligation of a solvent party is required. This individual must be a permanent co-worker at a listed college, school, university, or company.
    • In case the loan amount is more than Rs.3 lakh, co-obligation of a solvent party along with a liquid security of LIC plans (surrender value), National Savings Certificates (NSC), or deposits should be provided. The co-signer should be be a permanent co-worker at a listed college, school, university, or company.
    • The interest rate for this policy is 12.50%.
        

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