Monday, June 21, 2021

HOME LOAN CUSTOMER CARE

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The banks supply numerous banking items, each involving several procedures. Without inquiry no bank can do business. If you have a basic savings account, payment cards, a credit card, an ATM card, an insurance account for transactions, a credit, a fixed deposit investment or even the lock-in facilities, you can make contact with the bank and inquire for yourself in several ways.

Both banks and NBFCs provide creditworthy persons with home loans. You can still contact the bank’s customer service team if you have already purchased a home loan or have applied for a home loan, and ask for clarification. The customer service teams are helpful in handling all banks’ questions. On the official website you can find their toll book number and call them free to get the info. You may also visit the nearest subsidiary to explain your inquiries.

Banks invest a lot of money in ensuring that you get the best experience in customer service and enjoy a trouble free banking experience. Banks concentrate on customer service, maintaining and building loyalty that ensures a secure, long-term relationship between customers. Given the competitive nature of the banking industry, if a customer disappoints with the service offered by their bank, then it is easy for them to take his company to a rival. It makes sense for banks, if they wish to preserve their clients’ base, attract new customers, create brand reputation and gain the long-term loyalty of both older customers and new customers, to provide their clients with the best possible service and experience.

HOME LOAN TOLL-FREE CUSTOMER CARE NUMBERS

Nearly every bank has a national, customer-free phone numbers to answer any questions that customers may have. The larger banks are free of charge, solely for requests for credit cards and services, and for all other Product Requests, a separate, toll-free number. This is because the card-related questions and problems in relation to other items are numerous. These questions can vary from asking the remaining sum for the home loan, dispute resolution on your home loan or any details you need about a home loan. Other issues primarily relate to the status of the loan, when the loan is disbursed and the balance of the loan repayments, pre-paid fees etc. The bank’s toll-free lines allow for all these requests and much more. These guidelines aim to ensure a smooth, effective and courteous resolution of all your bank inquiries at the highest level of customer service. A glad client is a loyal client!

Various customer service numbers can be available. – Numbers can be toll free, which ensures that you are not paid for calls made from anywhere in the world to those numbers, which banks have to help customers ensure that customers do not burden the costs for calls made in relation to banks’ errors or other inconveniences that the customer has encountered. Make sure you know whether you dial a toll-free number or a charge number. Please be informed that long distance rates apply when calling a fixed number from an outstation area.

GENERAL ENQUIRIES

For all the other enquiries relating to the bank or any product or service rendered by the bank, all the banks have the general telephone number or numbers. For eg, you can ask for a mini statement, check locker facilities, ask for home loan rates, personal loan rates, etc, know the bank’s insurance policies, get details on fixed deposit rates and tenure, find out how to change your ATM PIN number, complain of a difficulty taking cash off the ATM or just ask for the location of the branch The communication of the customer service no. (or of any of the numbers mentioned) will lead to the quick and efficient resolution of all your banking queries.

SPECIFIC CUSTOMER CARE HELPLINES

Besides general assistance lines, most banks provide dedicated telephone lines to particular departments. For example, banks with a large NRI client base are provided only with customer service numbers to deal with their NRI clients’ requests.

Some banks also have assistance desks to assist in seeking a loan or deposit. If a bank receives multiple customer requests with regard to loans, it may set up an assistance desk for customers to manage loans exclusively. This decreases response time and makes it possible for banks to concentrate on a service and provide the consumer with quicker, better knowledgeable and more effective services.

For example, a bank can receive customers’ enquiries on its loan schemes – what are the loans, the cost, the maximum loans available, processing fees, advance payment penalties, delays, special interest rates, documents and conditions for eligibility for women borrowers.

The NRI desk would assist clients abroad with forex queries or knowledge about the opening of an NRE or NNG account. This would help them. It will respond to NRI customer-specific questions such as foreign exchanges or money transfers. In contrast to domestic customers, there may also be different fixed rates and conditions for NRI depositions or loans. A dedicated support desk will have departmental staff specially qualified and will be able to provide specialised knowledge quickly.

People living abroad may want to buy or make investments from a trustworthy channel. If the bank has a trustworthy reputation for good customer service among its friends or relatives, they will decide to do their job.

Internet Banking Help Desk: With consumers becoming increasingly popular with internet banking, banks are beginning to set up a helpline specifically to address e-bank inquiries and assist those who want to get involved. Certainly, a new e-banking customer would have many queries – including how to register for it and to receive a username and password, how it operates, what informations are available and the transactions with net banking are possible. Increased consumer use of netbanking for routine inquiries like the bank’s balance or declaration would also release the bank’s customer service resources, which can be redirected more effectively.

Customer Care Via SMS: Although customer care has been a big part of customer service for long periods of time, businesses are becoming more and more aware of customer care through SMS. To hotlist a card missing or check your account balance or request a statement from a variety of other service requests you may send the message to a dedicated mobile phone number. Another way for banks to address routine services requirements individually and immediately without having to devote time to contacting a client support officer by telephone, fax or e-mail is via this mobile customer service. From the bank’s perspective, it also frees up the customer’s assistance to take care of the more complicated questions with customers solving their queries by themselves through dedicated SMS numbers.

Social Media Platforms: With public popularisation of social media, banks too have started to use it to engage customers and to help them resolve concerns about household credit or any other banking items. Clients may simply give their feedback or raise any questions on their respective banks’ official pages.

GRIEVANCE REDRESSAL MECHANISM

Both banks have a well-structured redress process for grievances that can be resolved by a customer. In order to solve the customer problem immediately, most banks typically aim at solving the problem at Branch Manager. But if the customer is not pleased with the response, he/she may increase his/her attention to the Nodal Officer or the Regional/Chief Nodal Officer. In the 10 days following receipt, most of the banks ensure that they consider and answer the grievance. Where the consumer is disappointed with the manner in which the complaint is handled, they will take the last remedy to the Banking Ombudsman. The Ombudsman’s contact details are listed on the website of the Reserve Bank of India. Both banks take the issue of complaints seriously and aim to ensure that the customer is happy with the resolution.

In India, some banks also have a fixed “customer’s day” once a month, where customers can meet bank managers without a prior appointment. This opportunity may be used by the clients to meet senior managers to seek additional assistance or discuss any other concerns with respect to their banking relationship.

FEEDBACK

Often you wish to thank the bank or to give feedback or comments based on your customer experience. Banks are often too glad to know that you are happy or unsatisfied with any particular experience, how you can enhance the product, service or process. Many banks have an online form where they can complete and provide input on their website. You may also write your views and comments to the officer concerned.

Banks welcome the fact that they are helping the bank to know what the bank, brand and product consumer thinks about. The best way for a bank to know the gaps or concerns in its company is for the customers. Furthermore, as feedback can be executed and enforced by the bank, the customer is assured that it is heard and cared for.

Finally, a customer service is the service that most banking firms care about. Customers can quickly and easily answer any problem, clarification or questions without spending time in the bank. Customer service desks are rapidly streamlined and time-efficient. The modern net banking and mobile banking technology means customer experience is easier and faster than ever before and banking can be done individually and anywhere. The future of customer service can only be better!

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