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Indian Overseas Bank Car Loan Customer Care

Indian Overseas Bank 24*7 customer care toll-free number for all general enquiries is 1800-425-4445 .

As a customer, we are presented with many choices today. It is sometimes difficult to choose from so many options. But most times, it is quite easy. How? We love good service. We remember those places that have offered good service in the past and patronize them. This holds good even in the banking industry. Banks are responsible for our personal finance and so, we expect nothing less in terms of good service. With digitization in every sphere of our life, communication channels with banks have also become digitized and upgraded to higher levels. This helps in smoother communication and quick turnaround times.

Indian Overseas Bank is a public sector bank involved in the banking business since early 1900s. Retail banking, corporate banking, investments, agricultural credit are some of its major businesses. As a growing bank, it has adopted many ways to handle customer communication. It is quite simple and easy to reach the bank for any information – be it savings account or a loan. If you want details on Indian Overseas bank car loan, you will get it on the website and Indian Overseas bank 24 hours car loan customer care numbers can help.

Indian Overseas Bank Car Loan Customer Care Number
Indian Overseas Bank 24X7 Car Loan Customer Care Number

How to contact Indian Overseas Car Loan Customer Care 24x7

Indian Overseas Bank Car Loan Customer Care

There are many ways to reach out to Indian Overseas Bank in regard to your queries on car loan or grievance issues. From customer care for Indian Overseas car loan to Indian Overseas car loan complaint number, all details can be found below.

Indian Overseas Bank 24x7 Customer Care Numbers

The Indian Overseas Bank Customer Care number is 1800-425-4445. They have made toll free numbers quite relevant to the service you may require. For example, credit card toll free number is 1800-42-7744 and toll free complaints against corruption is 1800-425-3402.

Another method of reaching out to the bank is leaving a message on their website and a bank representative will get back to you on the query. The bank has also presence through social media channels like Instagram, Twitter and YouTube through which you can connect. Internet Banking also allows for customers to connect with the bank for various options like account balance, fund transfer, bill payments, deposits and loans.

Grievance Redressal Procedure

The Indian Overseas Customer care toll free number handles your complaints and/or grievances through a process. The detailed steps of complaint handling has been mentioned below:

Step 1Contact the Branch Manager where you have the bank account over the phone or register a complaint in the complaint register at the branch office. Your query should be resolved in 7 days.
Step 2If you are not satisfied with the solution provided, you can write to the Regional Nodal Officer or send an email. You should get a response within 7 days
Step 3If the complaint is not resolved by the Regional Nodal Officer, you can write or email the General Manager, Customer Service Department being the Nodal Officer, Public Grievances at Central office. You should receive a resolution in 7 days.
Step 4One more step to get one more reference beyond the usual customer grievance resolution channel prescribed the bank, you can get in touch with the Internal Ombudsman of the Bank
Step 5After communicating with all the concerned in the earlier steps, if you are not satisfied, you can approach the Banking Ombudsman constituted by RBI under the Banking Ombudsman Scheme 2006

If you have registered your complaint online, you will receive a registration ID. Using this ID, it is possible to track the status of your complaint or suggestion.

Indian Overseas Bank car loan eligibility

One needs to check the loan eligibility criteria before applying for a car loan. This can be done by visiting the bank website or by calling the Indian Overseas car loan customer care phone number. The bank receives many applications for a car loan and if your basic eligibility is not in order, the application will get rejected. The bank will decide the principal loan amount, rate of interest and loan tenure on the basis of your income and financial background. It is quite important to have these details sorted in advance for a smoother transaction with the bank.

More details on car loan eligibility is mentioned below:

GENERAL ELIGIBILITY CATEGORYINCOME ELIGIBILITYLOAN AMOUNTOTHER DETAILS
  • Government employee
  • Public Sector employee
  • Private sector employee
  • Self-employed professional
  • A Firm or a company
  • NRIs
  • Take home pay of more than 50% of the gross salary after PR and Insurance deductions
  • Total monthly income of the applicant and the spouse should not be less than INR 8000/-
  • New Car – Upto 90% of the cost
  • Used Car – Flexi repayment of 84 months maximum less age of the vehicle
  • Salary certificate
  • IT Return or assessment order
  • Quotation or Proforma Invoice
  • Valuation certificate for used car

How to Apply for Indian Overseas Bank Car Loan

You can easily apply for Indian Overseas Bank car loan by downloading the application form from the website or visiting the nearest branch. It is also quite convenient to call the Indian Overseas car loan customer care phone number to get all details of the car loan and then submit your application at the nearest bank branch. Alternatively, you can check for your credit score (which the bank will require) at the CreditMantri website and thereafter, apply for the loan through the same website. CreditMantri is a leading financial services provider. For any further clarifications, you can reach out to the Indian Overseas car loan helpline number and have your queries resolved.

About Indian Overseas Bank

The Indian Overseas Bank is a public sector bank involved in Treasury, Corporate/Wholesale banking, Retail Banking and other banking operations. Domestic deposits, domestic advances, foreign exchange, investments, small and medium enterprises, loans to small and marginal farmers are some of the domestic banking operations. With over 3400 branches across the country, the bank has a strong presence. It has 8 overseas branches with operations in Hong Kong, Bangkok, Sri Lanka, Singapore and South Korea.

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