• Personal Loan Customer Care

    In banking, customer service is an important means to ensure that customers are satisfied with the services offered. Banks have dedicated customer service teams that provide assistance to customers who reach out to them. The responsibilities of the customer support team include interacting with customers through telephone, email, fax, and mail to provide solutions to their issues and respond to their queries. Face-to-face meetings at the bank are also sometimes undertaken by the customer care team.

    The customer care numbers and email addresses for all personal loan providers in India are given below:

    Bank Customer Care Telephone Numbers Write to the Bank
    SBI Bank 1800 11 2211 (toll-free), 1800 425 3800 (toll-free), 080-26599990 Customer Service Department State Bank of India State Bank Bhavan, 16th Floor Madam Cama Road, Mumbai 400 021
    ICICI Bank 1860 120 7777 ICICI Bank Limited ICICI Phone Banking Center, ICICI Bank Tower, 7th floor, Survey no: 115/27, Plot no. 12, Nanakramguda, Serilingampally, Hyderabad – 500032.
    HDFC Bank 011-61606161(Delhi and NCR)
    022-61606161 (Mumbai)
    040-61606161 (Hyderabad)
    044-61606161 (Chennai)
    033-61606161 (Kolkata)
    080-61606161 (Bengaluru)
    HDFC Bank Ltd. Empire Plaza I, 1st Floor, LBS Marg, Chandan Nagar, Vikhroli West, Mumbai - 400 083
    Yes Bank 1800 1200 (toll-free)
    +91 9552220020
    Citibank 1860 210 2484 Citibank,N.A., PO Box 4830, Anna Road Post Office, Chennai 600 002, Tamil Nadu, India.
    Kotak Mahindra Bank 1860 266 2666 -
    Axis Bank 1860-419-5555
    Axis Bank Limited, ‘Axis House’, C-2, Wadia International Centre, Pandurang Budhkar Marg, Worli, Mumbai - 400 025
    Bank of Baroda 1800 258 44 55 (toll-free) 1800 102 44 55 (toll-free)
    Bank of Baroda Baroda Bhavan 7th Floor,R.C. Dutt Road, Vadodara-390 007, (Gujarat) India. gm.ops.ho@bankofbaroda.com
    Standard Chartered Bank 6601 4444 / 3940 4444 (Pune, Mumbai, Bengaluru, Delhi, Hyderabad, Ahmedabad, Chennai, Kolkata)
    1800 345 1000 (Cuttack, Mysore, Thiruvananthpuram, Vishakhapatnam, Guwahati)
    HSBC Bank Personal Loan 1800 266 3456, 1800 120 4722, 1800 121 2208 -
    IDFC First 1860 500 9900 IDFC FIRST Bank Ltd KRM Tower, 7th Floor, No. 1, Harrington Road, Chetpet, Chennai - 600031, Tamil Nadu, India
    Tata Capital 1800 267 6060 (toll-free) contactus@tatacapital.com, customercare@tatacapital.com
    Karnataka Bank 1800 425 1444
    Ujjivan Small Finance Bank Personal Loan 1800 208 2121 (toll-free) customercare@ujjivan.com
    Federal Bank 1800-425–1199
    IndusInd Bank 225345672 reachus@indusind.com
    InCred Personal Loan +91-1800 102 2192 care@incred.com
    IIFL Bank 1860-267-3000
    IIFL Finance Limited, 802, 8th Floor, Hubtown Solaris, N. S. Phadke Marg, Vijay Nagar, Andheri East, Mumbai – 400 069
    Bank of India 1800 220 229
    1800 103 1906
    (022) – 40919191
    BANK OF INDIA STAR HOUSE C - 5, "G" Block, Bandra Kurla Complex, Bandra (East), Mumbai 400 051. Ph: 022-66684444
    Aditya Birla Capital 1800 270 7000 -
    HDB Financial Services (HDBFS) Personal Loan +91 44 4298 4541
    4th Floor, No.68/2, Murugesa Naicker Office Complex, Loyal Towers, Left Wing, Greams Road, Chennai 600006
    Fullerton India 1800 103 6001 (toll-free) namaste@fullertonindia.com
    IDBI Bank 1800-209-4324
    1800-22-1070 (toll-free)
    IDBI Bank Ltd. IDBI Tower, WTC Complex, Cuffe Parade, Colaba, Mumbai 400005.
    Karur Vysya Bank 1860 258 1916 customersupport@kvbmail.com
    South Indian Bank 1800 425 1809 (toll-free)
    1800 102 9408 (toll-free)
    Indian Overseas Bank 1800-890-4445
    RBL Bank +91-22-6115-6300 customercare@rblbank.com
    Punjab National Bank 1800 180 2222
    1800 103 2222
    Vijaya Bank 1800 425 5885
    1800 425 9992
    1800 425 4066 (toll-free)
    41/2, Trinity Circle, M.G. Road, BENGALURU – 560001
    Bank of Maharashtra 1800-233-4526
    1800-102-2636 (toll-free)
    Bank of Maharashtra Central Office, 'Lokmangal', 1501, Shivajinagar Pune-411005
    Central Bank of India 1800 22 1911 (toll-free) Asst. General Manager (Customer Service and Complaints),
    Central Bank of India,
    Operations Department,
    Central Bank Building, 2nd Floor,
    M.G. Road, Hutatma Chowk, Fort, Mumbai 400023
    City Union Bank 0435-2402322, 2401622
    City Union Bank Ltd "Narayana" No.24B, Gandhi Nagar Kumbakonam-612001
    Dhanlaxmi Bank Personal Loan +91 - 0487 6613000
    Mr Rajan Sleeba, Deputy General Manager Dhanlaxmi Bank Ltd, Corporate Office, Naickanal, Thrissur Kerala State - 680001
    J&K Bank Personal Loan 0194-2481999 M A Road Srinagar 190 001 Jammu & Kashmir
    Nainital Bank 120-24010832 THE NAINITAL BANK LIMITED HEAD OFFICE Seven Oaks Building Mallital, Nainital Uttarakhand - 263001

    Customer Care Centres

    Before contacting the customer care centres of the bank, it is advisable to check out the FAQs section on the bank website. You may be able to find the answer to your query there. Some banks also have virtual assistants on the website. You can use this facility to get clarifications for your queries.

    In spite of checking the FAQs section and utilising the virtual assistant facility, if you still have some doubts, you can get in touch with the bank through the customer care telephone number or email ID.

    When contacting the bank, ensure that you are using the correct phone number to eliminate risks of fraud.

    Steps for Resolution of Customer Issues

    In case there is an issue for which you are seeking resolution from the bank, you will have to take the following steps:

    Step 1 – Contact the Customer Care Centre

    You can contact the bank through any of its access channels, i.e., via:

    • Email
    • Telephone
    • Visiting the Bank
    • Mailing the Bank

    Banks usually respond back to customers within 10 working days.

    Step 2 – Approach Grievance Redressal Officer

    In case the resolution offered in Step 1 was not satisfactory, you can get in touch with the Grievance Redressal Officer though any of the channels mentioned below:

    • Email
    • Telephone
    • Mailing the Bank

    It is important to share the previous complaint number at this stage. Customers usually receive a response within 10 working days.

    Step 3 – Contact Nodal Officers

    If you have not received a satisfactory explanation at Step 2, you can approach the Principal Nodal Officer via any of the channels highlighted below:

    • Email
    • Telephone

    You will receive a response on the reported issue within 10 working days.

    Step 4 – Contact the Banking Ombudsman

    If your issue remains unresolved even after following all the aforementioned steps, you may get in touch with the Banking Ombudsman that the Reserve Bank of India appoints for escalations. Failure to receive a response from the bank after 30 days of lodging a complaint can also be reason enough to contact the Ombudsman.

    You can get the contact details of the Nodal Officers and the Ombudsman at the bank’s website.

    Personal Loan customer care FAQs

    • How can I check the status of my personal loan?

    One of the easiest ways to check the status of your personal loan is to visit the official website of the bank from whom you have availed the personal loan. You can log in to the customer portal using your credentials which is your user ID and password. Under the ‘loans’ section you can check the status of the loans you have applied for and find out other important details as well.

    You can also download the concerned bank’s mobile app and check the status of your loan.

    You can also call the bank’s customer care number where an executive will help you with the process of checking the status of your personal loan. You can also send a mail to the email ID of the customer care section of the bank in order to know the status of your personal loan.

    You can also visit the nearest branch of the bank along with all the relevant documents in order to check the status of your personal loan. A representative from the bank will help you with the process.

    • How can I apply for a personal loan?

    Generally, you can visit the official website of the bank from whom you wish to apply for a personal loan and visit the ‘personal loan’ section of the page. You will find the ‘Apply Now’ option where on clicking on it, you will have the option of filling the form and uploading the necessary documents. Once you have filled the form and submitted the document, the bank will review it and approve it if they find the information to be correct. Once your application form has been verified, the loan amount will be disbursed to your bank account.

    You can download the bank’s mobile app and apply for a personal loan.

    You can also visit the nearest bank and get in touch with a representative from the bank who will help you with the process of applying for a personal loan. Make sure you carry all the relevant documents along with you.

    • Is there a time during which I can get in touch with a bank’s customer service?

    Depending from bank to bank you can check when you can get in touch with the lender’s customer service. There are banks where the customer service facility is available 24x7 while there are banks which may offer this service for a specific period of time in a day. You can check the customer service timings by visiting the official website of the bank.

    • I have applied for a personal loan from a bank. Will I get a reminder to pay my EMIs from the bank?

    The bank will generally send you a reminder either by an SMS to your registered mobile number or via email to remind you of the last date by which you are supposed to pay your EMIs. However, it is highly recommended that you do not rely on the reminders sent by the bank as there can be times when the lender may not be able to send you one due to technical reasons. It is always good to set your own reminders or simply avail the auto-credit facility where the said amount will be automatically deducted from your bank account on the date on which you must be paying your EMI.

    • How can I get my mobile number, email ID, or address updated?

    Get in touch with the bank by either calling the customer care number or by sending a mail to a customer care executive requesting for a change in your mobile number, email ID, or address. You will have to submit the necessary documents as proofs in order to get your required information updated.

    You can also visit the nearest branch of the bank with all the relevant documents and get your required information updated.

    • How can I calculate my EMI?

    Various banks provide the EMI calculator facility on their official website. You can visit the official website of the lender from you wish to avail a personal loan and use their EMI calculator to determine the loan amount you must avail, the repayment tenure, the rate of interest, and the EMI you will have to pay.

    You can enter different details and based on the data entered by you, you can determine the EMI which you feel you will be comfortable paying back in time.

    You can also visit the official website of BankBazaar and avail the Personal Loan EMI Calculator tool in order to determine the EMI you will have to pay based on the loan amount, repayment tenure, and the rate of interest.

    • I have recently changed my job. Will my EMI get affected?

    Your EMI should not get affected as long as you are able to pay your EMIs on time. However, in an event of you losing your job or being in the process of joining a new job at a later date which deems you unemployed for a job temporarily, you must inform your loan manager immediately so that the bank can help you manage your loan in a better manner.

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