South Indian Bank Personal Loan Customer Care

About South Indian Bank

It’s one of the top private sector banks in India and is headquartered at Thrissur in Kerala. The bank commenced operations in 1929, by a group of 44 enterprising businessmen in Thrissur, who each contributed a sum of Rs. 500. Today, the bank has 870+ branches spread across the country, 20 regional offices, 53 extension counters, 4 service branches, and 1300+ ATMs in 27 states and 3 union territories.

The vision of the bank is to provide individuals with a safe repository of their hard-earned money while offering them need-based credit at reasonable rates of interest. A few milestones of South Indian bank include:

• The first private sector bank in Kerala to obtain the scheduled bank status under the RBI Act.
• The first private sector bank in India to open an NRI branch. 
• The first bank in Kerala to implement the CBS (Core Banking System). 

With branches all across the country and customers from across the world, South Indian Bank is one of the most proactive commercial banks in India. The bank is renowned for its competent customer services and diverse products and varied banking services.

South Indian Bank Customer Care

As a leading private sector bank, with a diverse clientele, South Indian bank prides itself on its excellent customer care services. Customers can get in touch with the bank easily to find detailed information on the banking products and services offered and to resolve complaints and queries.

South Indian Bank Personal Loan

South Indian Bank offers personal loans to customers to help them meet their:

• Personal needs like medical, education, marriage, travel, shopping, lifestyle needs, debt consolidation and more.
• Business needs like working capital requirements, inventory purchase, equipment purchase and more.

Salient Features of Personal Loans from South Indian Bank:

• Who can apply? – Salaried individuals, self-employed professionals like lawyers, doctors, chartered accountants, etc., self-employed non-professionals like businessmen, traders, manufacturers, and others.
• Age
  • Maximum – 65 years
  • Minimum – 21 years 
• Loan Amount 
  • Minimum – Rs. 1 lakh
  • Maximum – Rs 10 lakhs
• Loan Tenure
  • Minimum – 12 months
  • Maximum – 60 months

Personal loans from the bank are collateral-free and don't require any security. For further details on the current interest rates, loan eligibility, required documentation and other charges get in touch with the customer care department.

South Indian Bank Personal Loan Customer Care

Customers can file their complaints, grievances, or feedback on the personal loan related queries to the customer care team, via the following channels:

• Toll-free helpline numbers - 1800 425 1809/ 1800 102 9408

This number is available pan-India, from all mobiles and landlines. NRI customers can use the following helpline numbers to find answers to their queries and to resolve their complaints - +91 484 2388 555. Note that calls to the NRI helpline number incur standard call charges.

• Via email – customercare[at]sib[dot]co[dot]in 

Alternatively, customers can send their queries or complaints to the above-mentioned customer-care email id for a speedy resolution.

South Indian Bank Grievance Redressal Mechanism

South Indian Bank offers excellent customer care services across the board. Despite the best efforts of the bank, if customers come across any inconvenience, you can utilize the grievance redressal mechanism offered by the bank to resolve the problem at the earliest.

Level 1: Branch-level Complaint Registration

The first step of grievance redressal is to approach the branch manager directly. Customers can contact the respective branch manager of their home branch during working hours to file their complaints.

Level 2: Regional Head

If customers are not satisfied with the resolution offered by the branch manager, they can further escalate the issue to the Regional Head. Click here to register the complaint online to your respective Regional Head.

Alternatively, customers can also send their complaints via post to their respective regional offices. Click here to download the complaint form. If the claim is not acknowledged within three days or resolved within ten working days, the customer can further escalate the issue to level 3.

Level 3: DGM (Deputy General Manager) of the Customer Relations Department at the Head Office

Click here to escalate the complaint to the DGM of the CRD. Click here to download the complaint form.

Contact Details of the DGM:

Deputy General Manager

Customer Relations Department

South Indian Bank Limited

Head Office, Mission Quarters, 

Thrissur, Kerala – 680001

Phone: 0487 242 0020

Level 4: Principal Nodal Officer

If the customer is not satisfied with the resolution of the complaint in level 3, he/she can further escalate the issue to the Principal Nodal Officer. Click here to file your complaint with the Principal Nodal Officer. Alternatively, customers can also send their complaints via post to the following address:

Principal Nodal Officer

Chief General Manager & Chief Information Officer,

South Indian Bank Limited,

Head Office, Mission Quarters, Thrissur,

Kerala – 680 001

Ph: 0487 – 242 0020

Level 5: Banking Ombudsman 

If the complaint is not resolved to the customer’s satisfaction, he/she can approach the banking ombudsman services offered by the RBI.

South Indian Bank City-Based Customer Care Numbers

Customers can also contact the regional offices under which their home branch falls for any personal loan related query and other banking enquiries.