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:

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.