GIC Housing Finance Complaints & Reviews

Dear sir
We would like to inform you that i yashoda nand jha s/o late shri mohit lal jha r/o d-3/79a, shiv durga vihar, lakkarpur, faridabad (Haryana) sir my senction home loan amounts – 22, 60, 000/- dated 06/05/2019 after senction loan amounts make cheque without signature date 22.05.2019 and interest continued from 22.05.2019 date 25.05.2019 all interest cheque cleared our bank accounts but cheque not received by me and june months emi cheque cleared our bank accounts my property registry not cleared in the rules of haryana government double unit flats not registered in govt. Rules. My senction home loan closed request in gic housing finance limited delhi office but not proper response in gic office dated 02/07/2019. Dated 09/07/2019 my email request in gic housing finance in closed my home loan. Dated 10/07/2019 reply email visit your delhi branch. After receiving email visit delhi branch in gic office but not response any key person.
Sir please cooperate in close my home loan.
Thanks & regards
Yashoda nand jha
[protected]

I. Regret to inform you about too much delay in rembursement of excess payment through LIC against my paid housing loan.

My Housing loan No. GO 2351, Panaji Goa.

I am waiting for almost month for the above payment of Rs. 59500. Will it be paid With interest??
I kindly request you to make the payment as early as possible.

Rajesh Manohar Pednekar
[protected]
....

I indraNath sinha has taken loan of Rs 21 lakhs on October 2017. Our ECS date is 25th of every month which is difficult for us to repay the amount. For that reason our 5 EMI s has got bounced.After giving repeated intimation the date has not changed. At last the date has changed from 25th to 10th of every month. Now the ECS has been regularised. But we have an outstanding of 177000 which we will pay in installments as per the discussion with the branch manager. But now the branch manager has continuously threatened us to give the full money or else company will take legal steps but as per the loan offer it has been clearly mentioned in clause 7 fail in emi for 6 months will take action under Sarfaesi Act. Even if have not failed EMI for consecutive 6 months. But still the branch manager Santosh Kumar Singh has threatened to take legal steps . As per the discussion with my lawyer if manager threatens me like this everyday I will go to human rights as I am senior citizen. So request this to kindly look after this matter on an urgent basis.

Dear team,
I am Mr.Sagar Laxman Khaire would like to inform you I holding home loan with GIC housing finance Loan ref.MH[protected]
I had applied for PMAY subsidy before 4 months back but still I didn't get any information or references no.MH[protected] from want to know about status of my request GIC housing finance .
So please help me in the same Thanking you!

Regards.
Sagar khaire
([protected])

I have been took home loan on Nov 2013 of 12% interest on amount 1042281 rs
until now I paid 1020000rs through EmI but as per calculation my branch telling I need to pay 2800000rs for 1000000 . I asked calculation then they stared taking very rudly one lady from recovery team of vashi branch she was talking we took 20 yrs interest first then principle amount instead of explaining calculation she was forcing me to change my account...

Sir/Madam,

My name is Kamal kumar Sharma, I have taken home loan from GIC Housing Finance Ltd., MAIN BRANCH, INDORE (MP), July-2017 and applied for Pradhan Mantri Awaz Yojna subsidy.

But till now i did not receive subsidy amount in my home loan account when i contact to my GICHFL regarding the status of subsidy they said we submitted your document when we get the amount we will add into your account. when i try to find status on official site it says no data found.

I have followed up with the GICHFL but they not responding properly.

Kindly do needful. My details are under:-

Name: Kamal Kumar Sharma
Bank: GIC Housing Finance Ltd., Indore (MP)
Loan amount: 20, 83, 996/-
Home Loan A/C No.: MP[protected]

Kindly confirm when should i get the same.

Regards,
Kamal Kumar Sharma
cell no- [protected] & [protected]
Email. [protected]@yahoo.com & [protected]@hotmail.com

I closed my housing loan account on 2016 -April at GIC housing finance Bangalore branch and received original house documents and loan closure documents from GIC Housing finance . But still GIC not updated my loan closure to CIBIL . Making matter worst, GIC report in CIBIL says missing payment of RS 1 for last 4 years, it's affecting my CIBIL score. i called multiple times GIC Housing finance Bangalore branch . Nothing moving . one of pathetic...

Hi, I have applied loan subsidy in November 2017 and it has already been 1.5 year passed but my application has not yet approved. Even no one is bothered about update me after number of reminders. Not sure how they are treating customers or if there is someone to look into this delays.

Would be great if someone can update me on this, else I will escalate this to RBI regulatory.

Please provide my outstanding account statement and not including my account in pardhan mantri aawas yojana . When I try to call your customer service not answer my any call last 5 days I try call 20 times . According to rbi news rate of interest policy please adjust my rate of interest as per new rules. It's serious issue your customer care employes not answering my calls

Dear sir,
I have taken home loan in april 2017 from gic home finance ltd. Jaipur.
There are 2 years passed out but i can't received subsidy in my loan a/c.
Kindly check my subsidy status, pl z tell me what is issue of my subsidy
Received to me, my loan amount tobe very much for me. I a unable to pay for this amount. Plz kindly give my subsidy amount

Hello team,
I hold housing loan from gic under file number mh[protected] and have sent several emails to gic thane branch to provide me provisional certificate and interest deducted so far for investment declaration in my company...
No response seen so far from team..
Emails were sent on 1st, 6th, 7th and 17th may...
Moreover no body receives call when dialled to the office number's.
Due to this i am getting tax applied on my salary every month..
Who is responsible for non-delivering the customer service?
Hope to see quick response...
Regards,
Sanjiv dubey
[protected].

Mr. Pradeep kamble and diwakar singh "dsa" in virar branch they took my file for home loan on 1st april 2019 and start workout on it after some days they told me that your file is approved and ask to do registration of that property i ask for sanction letter they told that you will get after registration of property, later i ask for legal and technical search they again told me that it will proceed after registration. Because of there words and trust i have did the registration and submitted the all following papers of registration.
After receiving the documents they told me that it will take 20 working days to disburse your case, i agree with that.

After couple of days i got message a rejection from gichfl suddenly i tried to reach them after that very easily they told me that your file is rejected from ho.

They literally cheated with me and beacuse fo them i have to bare heavy loss and got touble my parent's got insulted and feel shame in front of sellers.

Beacuse of these type of dsa it creates negative image of gichfl amoung costumers with bad impact.

I request to gichfl to cancel there dsa and take stirct action on them.
If gichfl fail to take any action than i will file a case on consumer court towards them for cheating.

I have all proof and evidence as call records of them which they promise me and because of there words i did registration.

Shame on them.

I have sent couple of emails regarding pradhanmantri awaas yojna but there is no response. Also, as per the female member staff of your team i have been informed that female member is mandate which completely contradicts with the actual rule. Few othe people who applied for the same earlier have got the amount by now but your branch has not even provided me the profarma to apply. Absolutely pathetic
Regards,
Kiran chikane

Hello
I have two separate loan in GIC hadapsar branch MH[protected] EMI Rs. 15414 and due date 15 of every month with ECH in State of India . And another MH[protected] EMI Rs. 13408. Due date 05 of every month with ECH in Icici bank. In month of March the employee deposited two checks 803072 debited on 19 march and check 803073 debited on 26 march. due to that two emi withdrawal in one month to account balance get below minimum maintenance level. i have personally visited to the bank and get notified to the gic employee about the two emi withdrawal. they said it was done in error from there end. they give me surety that in month of April they will not depositing any check and it will adjusted by the march dupe emi. But again they deposited check in 15 april . Due to Sbi charged me rs. 295 as fine for returned of check. Could you please advise me why should I not file the complaint against such mis conduct? If i have not received reply within this week then for upcoming legal action your bank in soly responsible.

Thanks and regards
Chandrakant Gore
[protected]

I have sent couple of emails regarding pradhanmantri awaas yojna but there is no response. Also, as per the female member staff of your team i have been informed that female member is mandate which completely contradicts with the actual rule. Few othe people who applied for the same earlier have got the amount by now but your branch has not even provided me the profarma to apply. Absolutely pathetic
Regards,
Pawan mishra

Gic housing finance is a fraud finance company, worst experience with this bank. I would like to give you my instance as an example so that you can know in which problem you are going to put yourself when you decide to take a loan from gic. This bank hires or it has private agents who taken loan files in behalf of gic and these guys make fool innocent peoples. Either your profile is eligible to take a loan or not. These guys will promise you to do your loan anyhow. Especially these guys are not bank working employees but bank gave them all rights to access all bank accessories and activities which gives false impression on customers for believing that these guys are bank employees.

Jitendra kumar and shankar upadhyay are the two names who are connected with me as a gic employees and taking my file for home loan, these two guys are the reason of my 4 months misery fraud happend to me. Shankar upadhyay, this guy took my file for loan and fooled up to 4 months by saying that your loan is almost done will give you a sanction letter within few days your cheque is ready and charged me unnecessary amount through cheque or cash in the name of bank legal fees, valuation charges, mapping, etc which he have credited on their partner mr. Jitendra kumar account my bank statement clearly shows that my cheques which are taken from me at the name of gic fees are going to these guy's pockets.

These guys did not only wasted my money even wasted lots of my time to move my file from gic noida branch to the greater noida branch. After 4 months when i was strict with these guys and asked where is my cheque then i got the truth of this scam banking.
When i asked to refund my money shankar upadhyay promised me to return on 5 april, but still not return anything, even now he is trying to make me fool
By saying that i requested the bank to make your refund. But this all is a fraud. To put itself safer side the bank is already taking files through these agents. So that customer have no option to claim own refund from bank.

So guys beware of this bank, it is good do not take a loan rather than to take it from gic otherwise you will only lost your money plus time. And i am not the only one who has been fooled by this bank when i explored more, i found a lots of online customer complaints regarding this bank.
I am giving you the some latest complaint links, please refer to these below :

https://www.consumercomplaints.in/complaints/gic-housing-finance-ltd-c123227.htm...⇄
https://www.mouthshut.com/review/GIC-Housing-Finance-Ltd-review-snqtrlqpsm
https://www.complaintboard.in/profile-1865386
https://www.consumercomplaints.in/gic-housing-finance-financed-for-illegal-prope...⇄
https://www.consumercomplaints.in/gic-housing-finance-for-not-reducing-monthly-i...⇄
https://www.complaintboard.in/profile-1685467
https://www.consumercomplaints.in/gic-housing-finance-unprofessional-behavior-ir...⇄
https://www.mouthshut.com/review/Gichfindia-com-review-luqupqtsom
https://www.consumercomplaints.in/gic-housing-finance-wrong-charged-c2023282
https://www.consumercomplaints.in/gic-housing-finance-fraud-loan-c1978684

For reference and proof i have also attached my conversation with this guy (Shankar upadhyay) this is how he fooled me by his fake promises. After reading this i wish no other innocent people to be caught by this fraud bank trap or these fraud contractors.

Gic housing finance is a fraud finance company, worst experience with this bank. I would like to give you my instance as an example so that you can know in which problem you are going to put yourself when you decide to take a loan from gic. This bank hires or it has private agents who taken loan files in behalf of gic and these guys make fool innocent peoples. Either your profile is eligible to take a loan or not. These guys will promise you to do your loan anyhow. Especially these guys are not bank working employees but bank gave them all rights to access all bank accessories and activities which gives false impression on customers for believing that these guys are bank employees.

Jitendra kumar and shankar upadhyay are the two names who are connected with me as a gic employees and taking my file for home loan, these two guys are the reason of my 4 months misery fraud happend to me. Shankar upadhyay, this guy took my file for loan and fooled up to 4 months by saying that your loan is almost done will give you a sanction letter within few days your cheque is ready and charged me unnecessary amount through cheque or cash in the name of bank legal fees, valuation charges, mapping, etc which he have credited on their partner mr. Jitendra kumar account my bank statement clearly shows that my cheques which are taken from me at the name of gic fees are going to these guy's pockets.

These guys did not only wasted my money even wasted lots of my time to move my file from gic noida branch to the greater noida branch. After 4 months when i was strict with these guys and asked where is my cheque then i got the truth of this scam banking.
When i asked to refund my money shankar upadhyay promised me to return on 5 april, but still not return anything, even now he is trying to make me fool
By saying that i requested the bank to make your refund. But this all is a fraud. To put itself safer side the bank is already taking files through these agents. So that customer have no option to claim own refund from bank.

So guys beware of this bank, it is good do not take a loan rather than to take it from gic otherwise you will only lost your money plus time. And i am not the only one who has been fooled by this bank when i explored more, i found a lots of online customer complaints regarding this bank.
I am giving you the some latest complaint links, please refer to these below :

https://www.consumercomplaints.in/complaints/gic-housing-finance-ltd-c123227.htm...⇄
https://www.mouthshut.com/review/GIC-Housing-Finance-Ltd-review-snqtrlqpsm
https://www.complaintboard.in/profile-1865386
https://www.consumercomplaints.in/gic-housing-finance-financed-for-illegal-prope...⇄
https://www.consumercomplaints.in/gic-housing-finance-for-not-reducing-monthly-i...⇄
https://www.complaintboard.in/profile-1685467
https://www.consumercomplaints.in/gic-housing-finance-unprofessional-behavior-ir...⇄
https://www.mouthshut.com/review/Gichfindia-com-review-luqupqtsom
https://www.consumercomplaints.in/gic-housing-finance-wrong-charged-c2023282
https://www.consumercomplaints.in/gic-housing-finance-fraud-loan-c1978684

For reference and proof i have also attached my conversation with this guy (Shankar upadhyay) this is how he fooled me by his fake promises. After reading this i wish no other innocent people to be caught by this fraud bank trap or these fraud contractors.

Hi,

Whenever you call gic virar west branch landline telephone, no one picks up. I am trying calling them since yesterday, no one has answered the call yet. I asked them thru email for principle and interest breakup for tax declaration in my work place. I got answer that system is undergoing updation due to the financial year ending the it certificates are locked. I emailed again for upto which daye systems will be available and didnt get any answer till date.

Customer id[protected]

Hi sir,
K. Sambasivam, house loan account no.71, tiruchirapalli, tamil nadu.
House sold and payment settled at 22/march/2019 at bank, trichy. As discussed with buyer party i didnt receive payment from buyer 6 lakhs. Payment not settled and buyer party are receiving the clearance document from bank without my knowledge. Buyer party if document is given, i will not get the payment (House owner myself, took loan) myself. So please hold the documented and send to me. (K. Sambasivam owner of the house). I am seriously ill, i am not able to go to bank.
Trichy bank manager, should cooperate with us.
K. Sambasivam
Mob: [protected]

This has reference to the statement of Fore Closure dated 28.02.2019 for my Loan no. WB[protected] issued by your good office, Durgapur, West Bengal.

The statement directs me to pay 2% fore closure charges on amount Rs. 1496449/- amounting Rs. 35940/- in case of fore closure at this stage.

As circulated, no fore closure interest can be charged in Housing Finance loan according to the directive of RBI.

I request your kind consideration on the subject and oblige.