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City Union Bank Car Loan Customer Care

City Union Bank 24*7 customer care number is 044-71225000.

The customer care department in a bank works hard to ensure that the customers are provided with the best experience and their queries with regard to products and services of the bank. Queries can range from interest rates, returns offered, documents required, eligibility criteria etc., Customer care executives are trained individuals who provide the required help to the customers. The customer care support is available in most banks in multiple forms – 24/7 toll – free telephonic support, email response team, exclusive customer representative aligned for premium customers. They strive to make the experience of interacting with CUB pleasant and convenient.

City Union Bank Car Loan Customer Care Number
City Union Bank 24X7 Car Loan Customer Care Number

City Union Bank 24*7 Customer Care Numbers

City Union Bank Car Loan Customer Care

City Union Bank continues to strive for providing multiple routes to address customer queries and provide a fulfilling experience of working with the bank. Inline, with this, they have multiple 24*7 customer care numbers spread across various regions with trained staff to provide required support.

Tamilnadu and Puducherry7299075077
Tamilnadu and Kerala7299075078
Andhra and Karnataka7299075079
Maharashtra, Gujarat, Bihar, Orissa, West Bengal7299075080
New Delhi, NCR, Uttar Pradesh, Haryana, Punjab7299075081
Madhya Pradesh, Rajasthan, Chhattisgarh7299075082

The customers can also reach-out to City Union Bank’s customer care by using 044-71225000.

City Union Bank car loan customer care

The City Union Bank has established a very comprehensive customer care department which offers specific support for certain types of queries. There are multiple ways the customer can reach out to the bank for support. There are toll-free numbers to which one can dial – in as per convenience, they offer support 24/7. The customer can also reach out to specific regional administrative office for faster resolution of issue. This is primarily because, the regional office (where the customer has an account) will have better or quicker access to the local data. Most banks including CUB have a centralized data management system, which enables access of all data across all branches.

The customer can also email the customer care team with elaborate queries and they normally turnaround with a response within 24 hours. There are multi-levels of escalation provided within the email management system. If the grievance is not resolved satisfactorily, the customer can escalate the matter to the next level and get it resolved up to the customer’s satisfaction.

Most banks including CUB have a feedback management system where-in the customer is required to rate the interaction and resolution on the basis of the support provided by the customer care executive. This is extremely critical for maintaining the brand image of the bank and for the bank’s customer care team to continuously evolve a world class support system which enhances the experience of customers.

The customer can also walk into any of the branches of City Union Bank and meet the customer care executive or help desk for resolution to the issue at hand. This is primarily aimed at people who are not familiar with the other means of communication. This is one of the most preferred means of engagement for customers from rural or semi-urban regions. It is also preferred by senior citizens and lower strata of the urban community.

Online Assistance for Queries, Feedback or Complaints

An alternate to the telephone method of reaching the customer care through email. There are specific emails applicable for general queries, broking related queries, the same are listed below –

General queriescustomercare[at]cityunionbank[dot]com
Head Officeco[at]cityunionbank[dot]com
Geojit Office (Broking related queries)citybroking[at]geojit[dot]com
Customer feedback or complaintscomplaints_grievances[at]cityunionbank[dot]in

The other option for customers is to write to their postal address, the post can be addressed to the head office in Kumbakonam, Tamil Nadu or one of the local offices -

City Union Bank Ltd.,

"Narayana" No.24 B, Gandhi Nagar,


Tel : 0435-2402322,2401622

FAX : 0435-2431746

Grievance Redressal Procedure

City Union Bank has a specific escalation level for addressing grievances, the customer is expected to make an escalation only if the issue is not resolved appropriately in the first level of communication with the customer care.

Level 1 – The customer is expected to contact customer service center (044-7122 5000) OR register an online complaint.

Level 2 – There are specific grievance officers where the escalation should be made by quoting the complaint reference number, the complaint should be addressed to head office or via email complaintsgrievances[at]cityunionbank[dot]in.

Level 3 – If the resolution at level 2 is unsatisfactory, the escalation has to be made to Principal Officer for complaint and redressal with the details – Mr. Maharajan, General Manager, Inspection Vigilance and Audit. The email to which the issue should be addressed under these circumstances is principalofficer[at]cityunionbank[dot]in.

City Union Bank’s humanoid ‘Lakshmi’

There is a unique feature launched by City Union Bank. It is the first Indian bank to employ an on-site humanoid (robot) called Lakshmi. The Indian banking robot ‘Lakshmi’ debuted in Chennai in the year 2016. It has the ability to interact with customers on more than 125 subjects. While the humanoid is available in bank, it can help assist a customer who is on the lookout for information regarding car loans or any other product offered by City Union Bank.

The humanoid has been programmed to answer queries related to 125 subjects. Apart from answering some standard questions like account balance, loan eligibility criteria, loan documentation requirement, interest rates, fees and charges etc., the robot is equipped to connect to the bank’s core banking solutions. This enables the robot to retrieve historical data for the customer in much lesser time as compared to a human. The transaction history, loan statement, bank account history etc., can be retrieved by the robot from the core banking system and will be flashed on its display. The humanoid was launched under the able guidance of N. Kamakodi, MD & CEO, City Union Bank. The robot took 6 months to be built, it uses the latest AI (Artificial intelligence) technology. It is capable of replacing many human customer care representatives. The necessary safety checks and measure are built into the system to ensure that the sensitive customer information is not displayed at random. Further, the robot has been able to resolve the customer queries or issues with greater accuracy and in lesser time. ‘Lakshmi’ has been built with speech abilities which are relaxed and casual, unlike most other robots which are normally formal and insensitive.

Features of ‘Lakshmi’

There are many features which suggest that ‘Lakshmi’ could transition the world of customer care into a new era of ‘self-service’. More Lakshmi can potentially replace the customer care executive in the future. The key features of Lakshmi are –

  • It is merely 2 feet tall
  • AI powered robot programmed to be an on-site helper
  • Answers basic queries on 125 subjects to customers
  • Mapped to core banking system using API to enable customer specific data retrieval
  • Integral part of the front office function at 1 branch
  • Plan for 100 more humanoid acquisition over the next 1 – 2 years

Where can you find ‘Lakshmi’?

‘Lakshmi’ is currently based in T-Nagar branch in Chennai, it is the only humanoid version of customer support that the bank has invested in. A team of 5 members are constantly monitoring the responses provided by ‘Lakshmi’. In case, the humanoid is unable to answer the question, it is automatically escalated to the manager or subject matter expert. The same is duly communicated to the client.

While the humanoid is currently being tested on a foreground to handle customer care queries, it will slowly be upgraded to handle cash dispensing and providing accounting information to the customer. Lakshmi is also connected through API to access the bank’s core banking system for retrieving customer details. There is enough safety and security built into the humanoid to ensure that sensitive information is not voiced.

There is a plan to build in a swiping machine into Lakshmi, which will enable the customer to swipe a card and retrieve required data and conduct transaction without any interaction. Clearly, the face of customer care in City Union Bank is set for a change over the next decade.

City Union Bank car loan eligibility

The following are the basic criteria for applying car loan with City Union Bank. It is ideal for the applicant to adjudge his car loan eligibility by cross-checking these basic details. The applicant can also call the customer care to establish his eligibility for the car loan. By establishing the eligibility, the applicant can reduce the chances of rejection. This can help the applicant maintain a healthy credit score which is of prime importance for getting competent interest rates and availing rapid loan approval.

Minimum Age / Maximum Age21 years – 60 years
Type of jobSalaried and self – employed with income stability
Minimum income requiredRs. 1.5 Lakh / annum for a continued period of atleast 2 years
Quantum of loan 90% of ex-showroom price
Existing debtExisting EMIs have to be declared and the bank will assess on the loan eligibility based on the applicant’s net earnings

How to apply for a City Union Bank car loan?

The applicant has to fill out a loan application form and attach a photograph. There is a need to submit the standard documents such as identity proof, age proof, income proof and address proof. As part of the income proof Form 16 / ITR and computation (as applicable) have to be submitted for the past 3 years (both salaried and self-employed/business). In addition, there is a need to submit the bank account statement for the past 6 months. This is primarily to establish the consistency of income. All the documents have to be self-attested and submitted to the bank. The loan will be processed and sanctioned as per the turnaround time stipulated by the bank officials.

About City Union Bank

City Union Bank was incorporated as The Kumbakonam Bank Limited in 1904. The bank used to function as a regional bank with its operations mainly in Thanjavur district of Tamil Nadu. The bank has grown leaps and bounds and operates with over 550 branches. It has a wide variety within its savings and deposits product suite. It also extends various types of loans – car loan, personal loan, housing loan to lower income individuals, high net-worth individuals and to large industries.

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