Home loan is offered to individuals who wish to construct or buy a house. The property bought or about to be constructed is mortgaged as collateral until the repayment of the loan is completed with full interest. The repayment of the loan generally depends on the capacity of the borrower. Normally, the home loan tenure ranges between 5 to 30 years. The borrower can opt either for floating type of interest or fixed interest rate. Home loan provides tax benefits to the borrowers.
Karnataka 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 various channels as mentioned above.
You can check out your eligibility for Karnataka Bank home loans. The executives will be able to guide you through the process of home loan application.
Karnataka Bank has set up a dynamic customer care department to handle the grievances, queries and complaints of the customers. The customer support team can be contacted in many ways.
Email: Customers who want to get immediate response for all the queries related to home loans. You can send in your email at info(at)ktkbank(dot)com.
Social Media: Karnataka Bank is active in social media platforms. You can follow their pages to get the latest announcements on banking products and services. Apart from that you can send in your queries to the bank by messaging them at those social media sites. You will get a quick response from the customer support team.
Mobile Banking: Karnataka Bank provides 4 different mobile applications for various purposes. You can download them on your mobile for a greater banking experience. You can contact the customer support through your mobile banking and reach out to them for any queries related to home loan.
By Post: Individuals who are not familiar with the above methods can write to the bank and get the queries resolved. Following is the address office the corporate office.
Karnataka Bank Corporate Office
Karnataka Bank Limited,
Mahaveera Circle, Kankanady,
Like every other bank, Karnataka Bank too has a systematic grievance redressal mechanism. You can follow the steps given below to seek resolution for all your grievances.
Step 1: Contact the Branch Manager
You can just walk in to any nearby Karnataka Bank branch and meet the branch manager to convey your grievances. You may also write a complaint form and submit it to the officials there. You will get immediate response.
Step 2: Karnataka Bank Regional Offices
When you are unable to find a reasonable solution through the above method, you may contact the regional office of Karnataka Bank.
Step 3: Karnataka Bank Head Office
If you are still unsatisfied with the response from the regional office, you may escalate the issue to the head office of the bank. You can visit the head office or send a letter.
Step 4: Banking Ombudsman
If you are unable to reach a satisfactory solution through the bank, you may escalate the issue with banking ombudsman appointed by the Reserve Bank of India which is an independent committee to deal with customers’ queries related to banking services.
Apart from the above methods, you may also register your complaint online by filling out the complaint registration form by entering your personal and contact details.
1. What is the toll-free number to contact Karnataka Bank?
You can call at 1800 425 1444 to contact Karnataka Bank with regard to any banking services and queries.
2. What is the maximum repayment period on Karnataka Bank home loan?
The borrower can repay the home loan in maximum of 30 years. However, it may differ for certain loan schemes.
3. What shall I do if I am unable to resolve the grievance within Karnataka Bank?
You can approach the banking ombudsman, an independent committee appointed by the Reserve Bank of India.
Karnataka Bank is one of India’s major financial institution based out of Mangalore in Karnataka. Karnataka Bank currently boats of a network of 773 branches, 1,398 ATM's and 111 e-lobbies/mini e-lobbies across 22 states and 2 Union territories. It has over 8000 employees and 8.2 million customers throughout the country.
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