IndusInd Bank Customer Care: How to File a Banking Complaint to IndusInd Bank Limited?

IndusInd Bank Limited is one of India’s leading financial service companies. The bank provides banking solutions to customers including individuals, large corporations, various government entities, and PSUs (Public Sector Units). It has more than 2606 branches/ banking outlets across India.

The Bank offers various financial products and services for individuals (personal) and corporates (business), including microfinance, credit cards and SME/personal loans, and commercial vehicle loans.

Representative Offices of IndusInd Bank in Foreign Countries:

• London
• Dubai
• Abu Dhabi

Have complaints about the services of IndusInd Bank? Yes! You can lodge your complaint to customer care representatives through toll-free customer care numbers, email, and WhatsApp. Also, file your banking complaint online through the online dispute resolution system.

Still not resolved in 7 days or dissatisfied with the final redressal? Escalate the complaint to Regional Heads of IndusInd Bank. Further, you can escalate the disputed matter to the Nodal Officer of IndusInd Bank.

Finally, if your submitted complaint is not resolved within 30 days by the bank or dissatisfied with the final order then lodge a complaint to Banking Ombudsman, RBI with references.

How to File a Complaint to IndusInd Bank?

According to the grievance redressal policy issued by the IndusInd Bank, the complaint resolution mechanism is divided into 3 levels. The issues related to banking services like personal/current accounts, transactions, insurance, investment, and mutual funds.

Complaint Redressal Time Limit and Fees:

3 Levels of lodging complaints:

• Level 1: Lodge your complaint to:
  • Branch Office
  • Contact Centre (Customer Care)
  • Online Dispute Resolution (ODR)
• Level 2: Escalate the complaint to Regional Heads of Head – Customer Care, IndusInd Bank
• Level 3: File the complaint to Principal Nodal Officer, Head Office (Headquarters)

In the final stage, if your disputed matter is not resolved within 30 days or dissatisfied with the final order of the bank then file a complaint against IndusInd Bank to RBI Banking Ombudsman.

IndusInd Bank Customer Care

Want to call IndusInd customer care? If yes then dial the toll-free customer care number or available helpline numbers for unauthorized transactions to report your issues with the representatives.

Also, email or WhatsApp your concerns with appropriate facts about the disputed matter. Additionally, visit the nearest branch office and submit a written complaint letter with Branch Manager (if needed) to resolve critical banking complaints.

Provide these details:

• Name and contact details of the complainant
• The nature of the complaint
• A brief description of the issue with references

Suggestion: Do not share your financial or personally sensitive information like OTP, document details, and card information with any customer care executive or even the staff of the bank.

After successful registration of your complaint, ask for the reference/ticket number to track the submitted complaint and also, use it to escalate the case to the next authorized officials.

Toll-free customer care number, email, and helplines of IndusInd Bank to lodge your banking complaints:

Not resolved within 7 days or dissatisfied with responses? Escalate your complaint to the Regional Head of the IndusInd Bank.

For complaints related to security vulnerability, scams, or phishing activities, immediately email report.phishing@indusind.com to report the incident with the bank.

Dial the toll-free customer care number 18001023333 to register your vehicle loan complaints.

Before this, you can lodge a complaint online through the online dispute resolution platform of the bank. This will help you to get a faster resolution from the concerned department.

Micro Finance Customer Care

Submit your complaints related to microfinance loans from the IndusInd Bank or its partner companies through email, customer care number, and written grievance letter.

1. Bharat Financial Inclusion Limited (BFIL):

2. Other Business Correspondent (BC) Customers:

Additionally, you may write a grievance letter to the contact centre or branch of respective BCs or microfinance service provider. Write to GRO of Head Office, IndusInd Bank and sent it to:

Address: IndusInd Bank Ltd,
3rd Floor, My Home Tycoon, Above Lifestyle, Greenlands Road, Kundanbagh, Begumpet, Hyderabad – 500016.
Phone No: +914039356472

File your complaint online

The online dispute resolution platform of IndusInd Bank has made it easy for filing a complaint online about banking or financial services. If you have any issue and want to fast redressal then lodge your complaint online to the respective department like Loans, Credit Cards, Insurance/Investment, Individual/Corporate and Internet Banking, etc.

Must fill out these details in the online form:

• Name and contact details
• The subject of the complaint
• The category of the issue related to banking services
• Description of the complaint with facts
• Attach supporting documents, images, etc. (if any)

Open the online complaint form below and fill out the form with the required details. Don’t forget to note down the reference/ticket number to track the status and use this acknowledgment receipt to escalate your disputed case.

Details for lodging online complaint to IndusInd Bank:

Note – If your submitted complaints are not resolved within 7 days then escalate the disputed matter to the Regional Head of IndusInd Bank.

Want to complain about NRI/Corporate banking? Lodge your complaint online through NRI/Corporate Grievance Redressal, IndusInd Bank by email or online grievance redressal platform.

Alternative ways for filing banking complaints:

Report unethical practices and rude behaviors of banking staff to IndusInd Bank through email staff.india@indusind.com with details of employee/officer.

Email, IndusInd Bank

Email the customer care of IndusInd Bank for complaints related to personal and business banking for existing and non-customers:

1. Banking and Business:

2. IndusInd Cards:

3. Loans/ Investment/ Insurance and Bank Staffs:

4. Corporate Banking:

Still, have dissatisfaction? Don’t worry, escalate your case to higher officials as mentioned below.

Regional Heads, IndusInd Bank

In certain cases, if your submitted complaint is not resolved within 7 days by the branch office, contact center, or customer care including the online dispute resolution platform, escalate the disputed case to Regional Heads of Head – Customer Care, IndusInd Bank.

You may email, write a grievance letter, or call the given helpline number to raise your concerns with the associated Regional Heads of your region. Additionally, you can reopen the online complaint to escalate the matter digitally.

Must provide this information:

• Name and contact detail
• Reference/ticket number of submitted complaint
• The reason for dissatisfaction (if received a response)
• The nature of the complaint
• Description of the issue with expected relief from the bank
• Attach supporting documents, images, etc. as proof

Send the complaint letter or email to the designated officer, Head – Customer Care of IndusInd Bank at:

1. Banking (Including Digital Loans):

2. Credit Cards:

3. Micro Finance Customers:

Not resolved within 7 days or dissatisfied with the final resolution of the Regional Head? Escalate the grievance to Principal Nodal Officer.

Principal Nodal Officer, IndusInd Bank

The Nodal Officer is appointed by the IndusInd Bank to whom customers can escalate the complaints if the submitted complaint is not resolved within 7 days or dissatisfied with the final resolution of the Head – Customer Care.

If you are escalating a complaint to Principal Nodal Officer, IndusInd Bank then must quote the reference number and details of the first point of contact with the bank including the information referred to below:

• Reference/ticket number
• The expected relief from the Nodal Officer
• The reason for dissatisfaction with Head – Customer Care
• A detailed description of the issue and attach supporting documents, images, etc.

Send the written grievance letter or email your concerns to Principal Nodal Officer at:

Not satisfied with the final order of the Nodal Officer? If your complaint is not resolved within 30 days as per your satisfaction, lodge a complaint against the IndusInd Bank to RBI Banking Ombudsman with reference.

RBI Banking Ombudsman

According to the Integrated Ombudsman Scheme 2021 of the Reserve Bank of India, if your complaints are not resolved by the bank or its officials within 30 days per your satisfaction then you have the right to file a complaint against the IndusInd Bank to resolve the banking disputes.

Click: File your complaint online to Banking Ombudsman, RBI

Additionally, you can email or write to the Internal Ombudsman of the Bank to resolve any dispute by arbitration or mediation.

Have complaints related to Insurance, Demat, Pension, or Housing Loans? Approach to these regulatory bodies:

• For securities, stock market, and demat accounts, complain to the Securities and Exchange Board of India (SEBI)
• For insurance disputes, lodge a grievance to Insurance Ombudsman, IRDAI
• For housing loan cases, escalate the matter to National Housing Bank (NHB)
• For pension disputes, the approach Pension Fund Regulatory and Development Authority (PFRDA)

Note – Still, not satisfied with the final order of RBI Ombudsman? You can take legal action with the help of a legal expert. You may approach the concerned judicial body or statutory body.

Resolve these issues

These are the lists of issues related to banking and financial services including other products offered by the IndusInd Bank that can be resolved:

Banking Services

Banking operations and staff:

• Allegations of misbehavior and unethical practices like harassment, threats, corruption, etc.
• General banking operations, Bank Employees, and Customer Service issues
• Disputed matters with delay in disposal of deceased cases or pension
• Issues related to the failure of digital payment or unauthorized transactions, and urgent matters

Credit services:

• Dispute regarding application/charging of interest or service charges (credit & deposit) and Loss/ Misplacements of Instruments or security/ Title Deed
• Delay in the transfer of account from one branch to another (exceeding the time limit)
• IndusInd Bank Credit-related matters like Sanction, Disbursement, Recovery, EMI, etc.
  Cheque /DD/IOI issues or payment matters

Other banking issues:

• For the cases of Inadequate infrastructure/ sitting arrangement, ambiance, etc in the banks including premises-related disputes
• Fund Remittance through a branch (RTGS/ NEFT/ IMPS) or ATM/Internet and Mobile Banking related matters
• Other issues related to banking products/services that are not listed above

Accounts

Issues related to Banking Accounts:

• Savings Account: Matters of individual or joint saving account and banking services
• Salary Account: Disputes related to Uniformed Personnel and Corporate Salary Account within IndusInd Bank for corporate salary customers
• Current Account: Issues with Indus Current Account for small & medium businesses

Deposit

Issues related to term deposits:

• Fixed Deposit: Premature closure, interest rates, and payment deduction issues with fixed-term deposits
• Recurring Deposit: Delay in installment payment, premature close, and maturity claims (regular/small deposits)
• Safe Deposit Locker: Charges/fees for safe deposit locker and other concerns
• Sweep in / Sweep Out: Problems related to auto FD by the sweep in/out from the bank account and closure of the auto sweep facility in IndusInd Bank
• Senior Citizen Fixed Deposit: Matters related to tax benefits for senior citizens under Fixed Deposits and closure of FD account after maturity or claim (for deceased)
• Young Saver Deposit: Issues with fixed deposits for children and family members under Young Saver Deposits
• Deposit Plus: Concerns with IndusInd Term Deposits and Deposit Plus plan of the bank.

Loans

Issues related to Loans from IndusInd Bank:

• Home Loan: Disputes with EMI, interest payments, delay charges (late fees), and approval/reject (disbursals) of home loan and affordable home loans
• Vehicle Loans: Matters of vehicles loans ranging from two-wheelers, cars, commercial vehicles, and earth movers to farm equipment including approval/rejection, EMI, and disbursals fees
• Loan Against Property: For business, education, etc.
• Gold Loan: Issues with the claim, repayment, interest, and other fees/charges for disposal of application of Gold loan
• Loan against Securities: Overdraft facility (OD) against your securities and repayment of the loan.
• Agri Loan: Matters of delay charges for Agri loans including repayment of the principal amount, rebate in interest, and EMI-related issues with Agricultural loans for credit need
• Personal Loan: Repayment, delay fee, other disputed personal loan approval and collateral requirements
• Medical Loans: Approval/rejection of loans for doctor and medical equipment loans

Cards

Issues related to credit/debit cards:

• Credit Card: Report unauthorized transactions, late fees, unreasonable charges, interest on cards, and other credit card disputes with IndusInd Bank
• Loan on Credit Card: Matters of Indus Easy Loan from your credit card for purchases into easy and flexible EMIs.
• Duo Card: Problems related to Duo Card (credit/debit card)
• Debit Card: Report failure of online transactions, annual maintenance fees (extra charges), blocked card, or unauthorized online transactions including claims for insurance cover under the Debit Card plan.
• Commercial Cards: Disputes of overcharge for IndusInd Bank’s Corporate Card and other matters
• Other Cards: Complaints about prepaid/forex cards and e-mandate (automate recurring payments) on debit cards

Insurance and Investment

Issues related to insurance and investment:

• Insurance: Issues regarding claim settlement, approval/rejection, late fee/charges for premium/EMI, etc. with general/health/term insurance plans of IndusInd Bank for family/business
• Investment: Disputes related to Mutual Funds, Sovereign Gold Bonds (SGBs), alternate products (investment with fund manager), Government Securities (Retail investment), National Pension System (NPS), and ASBA
• Financial Inclusion: Problems related to government schemes like PMJDY and insurance plans (PMJJBY) within IndusInd Bank, social security, financial literacy (education about investment), and Business Correspondent (BCs) services

Foreign Exchange

Issues related to Foreign Exchange (Forex)

• Forex Card: Complaints related to mark up fees, service charges, exchange fees, and other issues with Multi-currency Forex Card. Other problems with sending money abroad, tracking cards etc. through IndusForex (online portal)
• Remittances: Concerns with settlement of remittance (inward) thorugh wire transfer online/ offline facility from correspondent bank details and outward remittances
• FX Retail – Online: Disputes regarding order-based dealing in USDINR (Cash/Tom/Spot)

Payment Products

Issues related to Payment Products:

• Payment Cards: Problems with digital payments/POS transactions by Debit/Prepaid Card and Forex Card (Multi-currency)
• Digital Products: Issues with FASTag (incuding charges), Quick Pay, Bharat QR, UPI BHIM IndusPay, and Digital Rupee (e₹)
• Others: Complaints related to failure of digital payment transactions by NEFT/RTGS/UPI and transaction fees/charges deducted by the bank without any reason.

Frequently Asked Questions about IndusInd Bank Ltd

Q. What is the toll-free customer care number of IndusInd Bank to lodge a banking complaint?
A. Call the toll-free customer care number 18602677777 or email reachus@indusind.com to lodge a banking complaint to IndusInd Bank. Additionally, you can WhatsApp +912244066666 to raise your concerns.

Q. Where can I escalate the complaint if my issues are not resolved by customer care/branch of IndusInd?
A. First, you can escalate the disputed matter to Regional Heads of Head – Customer Care and if not resolved within 7 days then escalate the grievance to Principal Nodal Officer, IndusInd Bank.

Q. What can I do if my complaints are not resolved by the IndusInd Bank?
A. If the issue is not resolved within 30 days then you can submit a complaint online against IndusInd Bank to Banking Ombudsman, RBI. Must mention the reference number to represent your case.

Reference

• Grievance Redressal Policy – IndusInd Bank
• Grievance Redressal – IndusInd Bank