Jammu & Kashmir Bank is a private sector bank which was founded in 1938. It offers consumer banking, corporate banking, financial services, private banking, cash management and mobile banking products amongst other services. The Bank has more than 850 domestic branches spread across the nation.
J & K Bank has set up an efficient customer care department to handle the grievances, queries and complaints of the customers. Through Emails, voice calling and post, the customers can reach out to the bank’s qualified customer care executive and get their grievances addressed. Moreover, they can walk in to the nearest J & K Bank branch and their queries clarified.
Home loan is offered to individuals who wish to construct or buy a house. Government and private company employees with good income are eligible for the loan. The tenure of the home loan ranges between 5 to 30 years. The quantum of the loan depends on the value of the property. You can get up to 90% value of the property as loan amount. J & K Bank provides moratorium period for up to 12 months. The bank charges 0.26% of the loan amount as the processing fee.
J & K Bank home loan customer care team answer the customers’ queries related to interest rate, loan tenure, repayment options etc. The customers can get their grievances related to home loan addressed quickly through the following channels.
Email communication allows you to contact the superior officer of the bank to convey your grievances and get them resolved. You can send emails at JKbcustomercare(at)jkbmail(dot)com.
Customer Care Centre
The customer care executives of J & K Bank are always at a call away to be reached. You can call them anytime to get clarifications for any queries or register your grievances. You can call them at toll-free number 1800 1800 234.
Social Media Platforms
As social media platforms have become popular channel of communication, J & K Bank too is active on such media. You can follow their pages to get latest updates or send messages regarding any queries.
If you are unable to reach the customer support team through the above channels or if you are not familiar with that, you can reach out to them by writing a post. You can send them the post to the following address.
J & K Bank – Head Office
M A Road,
Srinagar 190 001
Jammu & Kashmir
J & K Bank has a unique systematic redressal procedure. You can just register your complaints, grievances and queries through the following ways.
Contact the Branch Manager
You can just step into any branch office of J & K Bank nearby and contact the branch manager to register your grievances. You will get an immediate response from the manager within reasonable working days.
Online Feedback Form
You can visit the official website of the bank where you can find an online feedback form. You need to fill up the details as requested and write your comments or feedback or grievances. You will get a call from the executives of the bank within a few days.
Grievance Nodal Officer
If you are unable to reach a solution to your query through the above methods, you can escalate the complaint to the Grievance Nodal officer of J & K Bank. The officer will take an immediate action on your complaint.
If you are unable to reach a solution for your grievance within the bank, you may escalate the issue to the banking ombudsman, an independent committee appointed by the Reserve Bank of India.
Customer care team help you in getting your queries resolved, help quicken process and gives you direct access to your bank and the status of your home loan and other credit products offered by J & K Bank. You can alternatively contact them in person through the various zonal offices or write to via email.
1. What is the toll-free number to contact J & K Bank home loan customer care centre?
You can call the toll-free number of 1800 1800 234 to get clarifications for all your queries.
2. What is the processing fee charged on J & K Bank home loans?
The borrowers are charged processing fee of 0.26% of the loan amount.
3. What is the maximum loan amount I can get from J & K Bank?
You can get up to 90% value of the property as the loan amount. However, it varies due to down payment and loan eligibility.
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