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Union Bank of India Car Loan Customer Care

Union Bank of India 24*7 customer care toll-free number for all general enquiries is 1800 22 2244 / 1800 208 2244 .

The Indian Banking Industry has evolved heaps and bounds since the first financial institutions set up in the country in the pre independence era. Banks have grown from local and grass root level players to large international players today to meet the needs of a growing population. The users today prefer to connect with banks with ease and convenience as well as promptly. The banking services have therefore become such that they are available practically 24x7 at the tip of the customer's fingers. Banks require constant upgrading of their communication channels to maintain security of the customer’s data and be able to cater to their different needs.

If the customer has a query or a complaint with regard to the car loan, he/she can contact the Union Bank of India car loan customer care by different modes of communication.

Union Bank of India Car Loan Customer Care
Union Bank of India 24X7 Car Loan Customer Care Number

What is the Union Bank of India Car Loan Customer Care?

Union Bank Of India Car Loan Customer Care

The bank has a dedicated customer care service that is available 24x7 all year along and caters to all the needs of the customers. The bank has various channels for the customer to get in touch with the bank. The details of the same are mentioned here.

The customers can get in touch with the customer care executives or avail the IVR (Interactive Voice Response) facility as well. This feature enables the customers to get routine information or perform standard transactions that can be done without the assistance of the well trained and expert customer care executives (e.g. last 5 transactions, hotlisting debit/credit cards, current balance, account information, etc.). The IVR feature of the bank can respond to the customer in 7 regional languages (Malayalam, Marathi, Gujarati, Bengali, Kannada, Tamil, Telugu) besides Hindi and English depending up on the customer’s choice/ease.

Internet Banking/ Mobile banking is also another need of the hour and Union Bank of India customer care service is equipped to handle all the queries or issues that may be faced by the customers in such service. Customers can contact the bank at the following email ids in case they need to reset or get new password or issues relating to the security of their internet banking or mobile banking account.

  • ebanking[at]unionbankofindia[dot]com / internetbanking[at]unionbankofindia[dot]com (for resetting or getting new password)
  • phishing[at]unionbankofindia[dot]com / ebanking[at]unionbankofindia[dot]com / itsecuritygroup[at]unionbankofindia[dot]com (in case of receiving fraudulent emails or suspecting a fraud being committed in the name of the bank).

Customers can alternatively contact the customer care through the toll free number 1800 22 22 44 or can visit the bank for any assistance in this regard.

The bank also has a separate customer care channel dedicated especially for its NRI/international customers. The customers can contact the bank at the following number +918061817110/ +918025302510at the call centre of the bank. The bank also has several overseas branches, the contact details for the same are available below.



Union Bank of India

Suite 1903-04

19th Floor

Nine Queen’s Road

Central, Hong Kong

852- 25242389/98



Union Bank of India,

DIFC, Dubai,

Gate village 10,

Unit no 208-210,

Dubai International Financial Centre,

Dubai UAE.

+971 4 388 7200 / 2971



Suite 9.02, Level 9,

20 Hunter Street,


NSW 2000

+61 2 9221 2766


London, UK

Union Bank of India (UK) Ltd,
(wholly owned subsidiary of Union Bank of India)
Senator House,

85, Queen Victoria Street,



+44 2073324250





Union Bank of India,

Abu Dhabi Representative Office

Building No. 4323


Plot No -2,

Office No-2,

Sheikh Rashid Bin Saeed al Maktoum Street, (Airport Road),

P.O.Box No -111824

Abu Dhabi, UAE

+971 2 6222661/774


Besides the above points of contact, the bank also has the SMS banking feature for the customers to get easy and prompt access to the required information or perform certain transactions anytime anywhere. Following is the list of such transactions/ information sought from SMS banking by sending an SMS in the required format from the customer’s registered mobile number to 09223008486.

RequestFormat and Keyword

Block ATM Debit card


Balance enquiry

Primary account balance – UBAL


Mini Statement

Primary account balance – UMNS


Cheque Status

Primary account balance – UCSR SPACE CHEQUE NUMBER


Know the nearest Branch


Know the nearest ATM


Aadhar Number Seeding


Missed Call Service

Get Primary account balance

The customers also have the option to connect with the Department Heads for specific queries or to address their issues or concerns to the heads of the respective departments as well as to the Central office of the bank in Mumbai. The contact details of the Department Head for Retail Loans (home loan, car loan, personal loan) and the Central Office are,

Department  - Retail Banking Department

Point of Contact – General Manager

Telephone - 022-22896309

Email Id – gm[dot]rbmd[at]unionbankofindia[dot]com


Central Office

Union Bank Bhavan,

239, Vidhan Bhavan Marg,

Nariman Point,

Mumbai - 400 021,

Maharashtra, India

Telephone (Board) – 022-22892000

Details of Union Bank of India Car Loans

Customers can get easy affordable loans to purchase new cars /used cars (not older than 3 years) as well as two-wheelers by avail the car loans offered by the bank via Union Miles. The target customers for these loans are the individuals (whether resident or NRI) , companies or firms. The age criteria for the individuals is minimum 18 years and maximum 70 years at the maturity of the loan. Also the applicants can jointly apply for the loan along with their family members (spouse, parents or children).

The key features of these loans are detailed below:

CategoryNew carOld carTwo wheeler

Maximum amount of loan to be sanctioned

Rs. 1,25,00,000

Rs. 20,00,000

Rs. 10,00,000


15% on road price (vehicle cost+registration+Insurance+Road tax)

40% of old car’s valuation



7 years

5 years

3 years

Rate of Interest

Credit score 700 or above – 8.60%

Credit score below 700 – 8.70%

Credit score 700 or above – 11.60%

Credit score below 700 – 11.70%

Credit score 700 or above – 11.10%

Credit score below 700 – 11.20%

The bank charges a prepayment penalty of 2% in case the loan is taken over by another bank/financial institution or if the borrower has prepaid the same in lump sum from a third party source but no charge if the same has been prepaid out of borrowers’ own funds.

The other details like list of documents, forms required, guarantee/security requirements, processing time, etc. can be found at the bank’s website or by contacting the nearest branch or the customer care centre.

Grievance Redressal/Feedback

The bank tries its best to serve the customers in the best possible manner so as to maximise their banking experience and to avoid any issues or complaints arising at their end. The bank however, has a detailed grievance redressal policy in place and gives high importance on prompt and effective solutions to be provided to the customer.

The very first stage of grievance redressal is the registering of the complaint with the bank via the customer care service (email, call, writing to the bank), visiting the bank’s branch personally or by filing an online complaint. The customer will be given a grievance reference number which will have to be mentioned in all the future correspondence with the bank regarding the complaint. Customers can also track the status of their complaint online by quoting the given reference number in a separate portal for the same at the bank’s website.

If the Branch Manager feels that any complaint or grievance is outside his/her purview or if the customer is not satisfied by the solution provided at the branch level, the said grievance will be raised to the Regional/Field General Manager’s Office and if further escalation is required, the next stage in the grievance redressal policy is the office of the Nodal Officer of the bank.

The policy also states strict time frames to resolve any nature of grievance reported and all the officers of the bank have to abide by the same.

If the said grievance is not resolved in the stipulated time, it is automatically escalated to the next level of grievance redressal and finally to the Central Office of the bank.

The bank also has to display the following list at all its branches as per its Grievance Redressal Policy in place.

  • Appropriate arrangement for receiving complaints/suggestions
  • Name, address and contact details of Nodal Officers
  • Contact details of Banking Ombudsman of the area
  • Code of Bank’s Commitment  to Customers/ Fair Practice Code.

Customers can also report any fraud or corruption within the system of the bank by contacting to the Chief Vigilance Officer of the Vigilance Department of the bank or the Central Vigilance Commission at the following contact points,

  • Postal address - CHIEF VIGILANCE OFFICER
                                VIGILANCE DEPARTMENT
                                10TH FLOOR, UNION BANK BHAVAN
                                NARIMAN POINT, MUMBAI – 400 021\
  • Telephone -  022 - 22896400 / 22851662
  • Email Id – cvo[at]unionbankofindia[dot]com


  • Postal address - The Secretary,
                                Central Vigilance Commission,
                                Satarkata Bhavan,
                                General Pool Offices Complex,
                                Block A, INA,
                                New Delhi - 110 023
  • Telephone -  011-24651008

About Union Bank of India

Union Bank of India is a government owned bank in the country where the government owns about 90% in the share capital of the bank. The bank has about 4300 branches across the world including the overseas branches and also has a wholly owned subsidiary in London, UK.


1. What are the processing charges applicable on car loans of the bank?

The bank charges a nominal processing fee of 0.5% of the loan amount (maximum Rs. 15,000), however, if the applicant has a SB account with the bank, the processing charge will be 0.25% of the loan amount (maximum Rs. 7,500)

2. What is the NRI customer care number of the bank?

The bank has separate customer care numbers for its NRI customers +918061817110/ +918025302510 at the call centre of the bank.

3. Is the customer care service available 24x7?

Yes, the customer care service is available 24x7 throughout the year.

4. What is the processing time for loan to be approved?

The bank takes 2 working days after all the documents are duly submitted for processing the car loan application.

5. Can the customer choose the mode of communication with the IVR facility of the bank?

The IVR facility of the bank is capable of communicating in 7 regional languages (Malayalam, Marathi, Gujarati, Bengali, Kannada, Tamil, Telugu) besides Hindi and English depending up on the customer’s choice/ease.

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