On behalf of me, my father visited the warangal branch on 06-sept-2018 to pay the partial payment i. E. Rs. 1, 50, 183 towards tenure reduction for my home loan[protected]. The warangal branch associate misguided my father, saying that there is an rbi rule to reduce only the emi but not the tenure while accepting the partial payment check. I spoke to hdfc bank customer care, they confirmed that there is no such kind of rbi rule.
Later the bank associate ganesh, agreed to reflect the partpayment towards tenure reduction, upon the payment cheque clearence. The check had been cleared on 12-sept-2018. So ideally it should have been reflected from my september emi onwards i. E.20-sept-2018, but it did not happen. I was surprised to see my emi reduction for sept then i approached bank associate ganesh but he again misguided me that it will be effective from oct 1 2018. Due to this, my sept emi got reduced but not the tenure. Please take the action to correct from sept emi onwards immediately without any delay.
Aug 8, 2021
Complaint marked as Resolved 
Thank you for writing to us with your feedback. It remains our priority to redress your concerns. We would request you to post the details of your concern at http://bit.ly/1GG54RP to help us address the same effectively.
Regards,
Team HDFC Home Loans
I am unable to raise a concern in the provided link i.e. http://bit.ly/1GG54RP since my mobile is not updated in HDFC Home Loan profile. I requested multiple times to the Warangal HDFC Home Loan Branch to update my mobile number but my request was not addressed in fact I reached out HDFC Home Loan customer care also. They said the only branch have the privilege to update the mobile number.
I am in stuck status. Without updating my mobile in HDFC Home Loan profile, I can't raise the complaint in HDFC Home Loan portal and as I am complaining on HDFC Warangal Branch, they are not updating my mobile number. Now I can only rely on this forum to provide the solution for my problem.
Recently the Warangal branch manager Mr. Vikram Ponnam reiterated that there is an RBI rule which enforces to reduce the EMI but not the tenure. But he is not ready to share the RBI rule details and I did not hear such kind of RBI rules from other banks.
I am surprised to hear that why Warangal branch guys are giving pain like this when the customer is remote and he also warned my father that he will not encourage the tenure reduction for future partial payments. That was really worst. How can Mr. Vikram Ponnam (HDFC Warangal Branch Manager) frighten customer (the Senior citizen who does not have much knowledge about Bank functions and RBI rules) with such kind of behavior and comments?
I really did not expect this kind of customer service from HDFC Organization. I do operation bank account in HDFC Bank. It was smooth and good.
Need your immediate attention else I may be forced take next actions may be legal. Thank you!