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You can contact UNION BANK OF INDIA car loan customer care for any queries regarding car loans. You can reach customer care experts via the UNION BANK OF INDIA toll-free number or UNION BANK OF INDIA customer care number city-wise. Alternatively, you can contact the customer care team through Email ID or chatbot.
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.
About 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.
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
Nine Queen’s Road
Central, Hong Kong
Union Bank of India,
Gate village 10,
Unit no 208-210,
Dubai International Financial Centre,
+971 4 388 7200 / 2971
Suite 9.02, Level 9,
20 Hunter Street,
+61 2 9221 2766
Union Bank of India (UK) Ltd, (wholly owned subsidiary of Union Bank of India) Senator House,
85, Queen Victoria Street,
ABU DHABI, UAE
Abu Dhabi Representative Office
Building No. 4323
Plot 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.
Block ATM Debit card
UBLOCK SPACE LAST 4 DIGITS OF DEBIT CARD
Primary account balance – UBAL
Other – UBAL SPACE ACCOUNT NUMBER
Primary account balance – UMNS
Other – UMNS SPACE ACCOUNT NUMBER
Primary account balance – UCSR SPACE CHEQUE NUMBER
Other – UCSR SPACE CHEQUE NUMBER SPACE ACCOUNT NUMBER
Know the nearest Branch
UBRANCH SPACE PINCODE SPACE LOCATION/CITY
Know the nearest ATM
UATM SPACE PINCODE SPACE LOCATION/CITY
Aadhar Number Seeding
UID SPACE ACCOUNT NUMBER SPACE AADHAR NUMBER
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
Union Bank Bhavan,
239, Vidhan Bhavan Marg,
Mumbai - 400 021,
Telephone (Board) – 022-22892000
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:
Maximum amount of loan to be sanctioned
15% on road price (vehicle cost+registration+Insurance+Road tax)
40% of old car’s valuation
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.
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.
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,
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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