ICICI Bank Home Loan Customer Care

What is a home loan?

People take loan for various purposes. One of the purposes is to purchase or construct a house. A loan granted for the explicit purpose of purchasing a house or constructing one is called a home loan. The house or property which is purchased with the loan is mortgaged to the lender till such time the borrower repays the loan in full along with interest. Both floating and fixed interest are available on home loans. Home loans also allow some tax benefits to the borrower.

ICICI Bank Home Loan Customer Care Helpline

People who take a home loan require various services such as information about interest rates, information about loan balances and so on. Customers of ICICI bank, who have such queries, may call 1800-200-3344 to resolve their queries. You can also visit the official website of ICICI bank and click on “Request a call back” if you want the bank to call you. The website also has an online assistant called iPal – which is a robotic assistant. iPal can answer most of the routine query questions thus saving some time and effort both on your part as well as for the bank.

Email

The best way to contact ICICI bank is to call the customer care number or visit the website. If, however, you wish to send an email you may write to them at care(at)icicibank(dot)com.

Mobile Banking:

Like most financial institutions ICICI bank too has its mobile app which customers can download on their smartphones or iPhones. The app provides almost all the services available on the website barring a few which have been withheld for security reasons.

Social Media Platform

Similar to their brick and mortar offices, ICICI bank also has a strong online presence on all social media such as Facebook, Instagram, and Twitter. Whether or not you are a customer of the bank, you can follow them on social media and post any questions you may have on these platforms. You may also provide feedback or review and even lodge complaints or air your grievances.

How to Apply for Home Loan with ICICI Bank?

The simplest way to apply for a home loan from ICICI bank is to visit their official website and fill out the online application form. Once your application is filled out, you will receive a reference number which you can use to track the status of your application.

After the bank officials review your application they will call you with queries such as age and value of the property, the amount of loan you wish to take and so forth. They will also visit the property to assess its value and eligibility for loan.

Once all formalities are completed and you have finalized the property as well as the amount of loan the loan amount will be released.

If you prefer face to face contact you can visit any branch of ICICI bank and fill out a physical application form.

ICICI Bank Grievance Redressal Mechanism

Being the third largest bank in India, ICICI bank has a well-established system for all services. Though the bank itself is only 4 years old, the parent company – ICICI – is much older and has a wide network and strong infrastructure which is available to the bank.

Despite this if you still have a complaint or grievance, the bank has a grievance redressal mechanism in place and you can lodge your complaint and track it using your complaint number. Here is how the mechanism works –

The first step is to lodge your complaint by calling their customer care number or visiting the bank website and filling out the complaint form. Please be sure to mention your registered contact number and email id. If your complaint can be resolved immediately you may be redirected to the FAQ page which contains the answer to your question.

We recommend waiting for a minimum of 7 working days for a response before moving to the next level.

If you receive no response within 7 working days or you are not satisfied with the reply you receive you may write to the senior management. You can either download the form for writing to senior management or submit it online.

If you are still not satisfied, you can write to the principal nodal officer at the following address –

Principal Nodal Officer,

ICICI Bank Ltd.,

ICICI Bank Towers,

Bandra Kurla Complex,

Bandra (East), Mumbai 400051.

Once again you may either download the form or fill it online. The principal nodal officer will respond within 4 working days via email so be sure to fill in your registered email id correctly.

If no reply is received or you are still not satisfied you can write to the local Ombudsman.

Customer care is a priority for ICICI bank and they make every effort to ensure that their customers are satisfied. Customer care number is the fastest and easiest way to contact the branch to make a query, block your card, or ask about home loans. You can also contact ICICI bank in person by visiting one of the 4867 branches (at last count) and speaking to one of the officials.

The information provided here is subject to change by the bank authorities at any time. We hope that it has been useful to you.