IDBI Bank Complaints & Reviews

Address: Bangalore Urban, Karnataka, 562125

I went to sarjapura branch idbi bank i want cash counter to withdraw our check but i didn't taken go id proof xerox i told them to take one xerox they told like that we can't i told them i did get cash for xerox u plz take it told before one customer is there she taken xerox last she told i can't after i went to home i given xerox again my back side one customer is there they also not taken come xerox but she taken xerox what kind u people provide like this service worst services ok this done by z sarjapura branch idbi bank

IDBI Bank customer support has been notified about the posted complaint.

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Dilip Ganguly

from Kolkata, West Bengal

Jan 23, 2018

My amount no. is [protected] in the name of Sudipta Chatterjee in Asansol branch. It's detected on 16th January 2018 that My debit card is blocked, reason is not known to me. Please unblock my debit card and inform me by sms in my registered mobile. Sudipta Chatterjee [protected]

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Upi service is not permitted in my account. I used my mobile, tez app and phone pay app in my mobile but these applications are not being served in upi. I unstall these applications again but did not do it again. And i get a message from the bank "your list account req. Is declined as upi service is not permitted for your account or customer category"

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Bank charged rs 600 for property inspection, rs. 54 + rs.54 for gst without any notice.
I pay emi on time and never defaulted. Idbi bank is cheating on honest customers.

I have decided to pull court in this matter.

Idbi bank trying to square up their bad debts that they incurred due to thousands of crores of rupees that they gave to notorious business men, the one like now absconding vijay maliya.

We, innocent customers, are bearing the sins made by some other people.

IDBI Bank customer support has been notified about the posted complaint.

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Address: Dhar, Madhya Pradesh, 454775

Website: www.idbi.com

Hi Sir,
I am Himanshu Mahajan having a account in IDBI Bank.
I am an employee and earning salary and that's why I asked my bank executive to converts my account to salary account . but he said he is not able to process my request .It should be done by HR of my company.
But How my HR will be able to modify my account. It is bank's responsibility .

And now the bank is charging me for non maintenance of MAB.

In this way the bank is deducting money so many times from my account.

Please help me and if possible let me get back my money and made bank to take care of their customers.

IDBI Bank customer support has been notified about the posted complaint.

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Address: Mumbai City, Maharashtra, 400101

I am seriously furious with the customer experience provided by idbi bank to one of your loyal customer for almost 9 years. I am repeatedly requestimg for my provisional certificate for last 15 days and there's no response from their end. My tax proof submission date was 12th jan which has surpassed and my company is going to deduct tax amount from my salary.

I am also facing challenges login into website. I have tried their toll free since saturday, i was on ivr for consolidated 30mins and no customer support from their end. Also, drafted email to 2 e-mail id's provided on website and as usual no response.

Finally, tried idbi mobile app which was worst experience and thus motivating me to write this complaint. Idbi all touch points needs improvement otherwise customer has very less patience to face the challenges dealing with them.

Finally, idbi should change their tagline 'bank kaisa dost jaisa' it's rubbish. Because i feel they are acting like a selfish person to their close friends.

I hope after this email someone takes the ownership shows customer centricity and supports me with my small requirement.

Sincerely,
Vinod

IDBI Bank customer support has been notified about the posted complaint.

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Address: Raigad, Maharashtra, 410210

My account recently debited with 708Rs in addition to regular monthly EMI. It got deducted twice from my account and my home loan number is [protected] without any prior information or any consent with me and pathetic customer care is not responding to either emails or phone calls. I asked for which property they have inspected and what inspection has done. why their is no communication to customers? it looks like bank is trying to make hard earned money from honest customers who are paying EMIs in time with cutting other regular stuff. Seems like big gamble and looting money.

IDBI Bank customer support has been notified about the posted complaint.

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ramakant sevda

from Delhi, Delhi

Jan 17, 2018

In my mobile inbox i got a message from idbi:-
cash is debit but atm not dispatch my cash,
I need some urgently cash but i haven't
Because in my a/c i hv no more cash.

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Address: Sawai Madhopur, Rajasthan

Website: [email protected]

Upi service is not permitted in my account. I used my mobile, tez app and phone pay app in my mobile but these applications are not being served in upi. I unstall these applications again but did not do it again. And i get a message from the bank "your list account req. Is declined as upi service is not permitted for your account or customer category"...

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Address: 712258

I want to know that, why the bank chages me rs. 600/- + rs. 108/- (Gst) without any information as "home loan enquiry" charges. Where as we already paid the charges for enquiry about myself and property. Please give explanation otherwise return my money asap. My details are below.
Jagaran paul.
M: [protected]
E-mail: jagaran. Paul.[protected]@gmail.com
Please contact me immediately.

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IDBI Bank customer support has been notified about the posted complaint.

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Mohd Jaffer Khan

from Hyderabad, Telangana

Jan 17, 2018

DEAR SIR/MAM
MY Card has been blocked due to repeated typing of wrong these are my details CUSTOMER ID:89906834
NAME:MOHD JAFFER KHAN
CARD NUMBER:[protected]
can you please unblock my atm card immediately so that i can able to shopjaffer

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Address: Pune, Maharashtra, 411046

Hi All
I have my saving bank account in IDBI. JM Road Pune. I tried to withdraw money from an ATM using my IDBI debit card but I received partial money. Calling customer care since last one an half month ... sent emails but all in vein I am still waiting my money to be credited back to my account since last one and half month. Did anyone faced the same issue? Please let me know if you found solution to it.
This is ridiculous.
I think bank doesn't care about it's reputation

IDBI Bank customer support has been notified about the posted complaint.

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Ramesh Baniya

from Mumbai, Maharashtra

Jan 16, 2018

I have been charged of Rs. 708 against NACH inspection charges on dated 30 Dec 2017.
Charging any charges without informing us is unethical.
Customer number is 90062260
Kindly revert back.
Following with operation manager of my branch but no reply I have got since 1 Jan 2018.

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Website: www.idbi.com/index.asp

I have been unnecessarily charged for "hl property inspection charges" and gst on dec 30, 2017. The customer care is transferring my calls from one person to another without any satisfactory response.

My questions are:
1. Why is a property inspection required after three years of loan when i have paid all my emis regularly without a single default?
2. Why was not i informed before making this inspection? If this inspection is for bank's satisfaction, then bank should pay for it.
3. The customer care has told me that this would be charged every three years. While taking the loan, i do not remember i signed any such thing. If i did, please share that part of the agreement with me.
4. I stay at the property for which loan has been taken and no one visited us. So, how was the inspection done? I am sure no one ever did any inspection. They just charged money.
5. When i asked customer care to share the report of inspection with me, they gave me two contacts numbers - navreet kaur ([protected]) and vijay khanna ([protected]). I called both numbers. The respondents said they are not idbi bank.
6. I have had home loans from hdfc and icici in the past and no one charged me for this rubbish earlier. For what purpose does idbi need this inspection when other bigger lenders do not.

The following are the details of four transactions forcefully charged on my account on dec 30, 2017 (None of these have ever been charged before) -

19 30/12/17 30/12/17 hl property inspection charge dr inr 600.00
20 30/12/17 30/12/17 gst dr inr 54.00
21 30/12/17 30/12/17 gst dr inr 54.00
22 30/12/17 30/12/17 sms charges dec qtr 2017 dr inr 17.70

For fourth one, the customer care told me that this has been started from dec 1 and when i asked to stop all sms services, they told me to visit the branch for this.

I request the consumer forum to look into this matter and get the charges reverted. My loan account no. Is [protected].

Thanks for looking into this.

IDBI Bank customer support has been notified about the posted complaint.

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Sourabh pathak

from Mumbai, Maharashtra

Jan 16, 2018

On 1st jan 2018, idbi charged 708 without informing. When i called customer care they said it was for property inspection charges. They have not done any inspection. This is just Prue cheating.

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babitap31's reply, Apr 19, 2018

I have been following with IDBI Grievances offices for explaining what they are doing under property inspection.

Below is the email trail of my follows up with IDBI Bank. I would request you all to write emails to the below email ids & not stopping following up until we get details of what exactly IDBI Bank under the name of property inspection.

[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
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Babita P <[email protected]>
To: [email protected], Vijay Gokhale, [email protected]
Cc: 'Biju Ninan Varghese', 'Kshama', [email protected], 'Thn customerservice', [email protected],
Apr 17 at 10:41 AM

Dear Vijay

Based on your reply I feel IDBI bank is doing an ethical transaction and cheating their customers in the name of property inspection.

I definitely need more details from IDBI Bank to know what exactly was done under the your bank's new policy of property inspection.
I want to know if your bank really did a property inspection and incurred some costs for the same which then your bank debited from the customer's account.

I need answers to these questions.

1. Did your bank conduct any siteproperty visits to assess various property risks?
2. Did you get any signature from the customer on the property inspection assessment report when your bank officials visited their property?
3. Did you visit my apartment building and go inside my apartment to inspect any risks to the property?
4. On what date and time did IDBI Bank complete my property inspection?
5. Is the customer responsible to pay for a bank induced transaction which they never asked for?
6. Did you notify your customers well in advance, that you will be taking their money and not provide them any proof of statements or receipts for the money you take in name of property inspection charges?

I expect a large bank like yours to be more transparent with their customers and should be ready provide as much details needed to rule out any impressions of any wrong doings.

Thanks
Babita Sasidharan
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On Tuesday, April 17, 2018, 3:32:27 AM PDT, Vijay Gokhale <[email protected]> wrote:

Dear Babita Madam,

Good Afternoon !!!

Wrt trailing mail, we give here below the Gist of reply received from our higher authorities .

They are general in nature & not specific to the issues raised by you .

Ø The property inspection charges are introduced by the bank recently as a part of Banks internal policy. As per the policy, the property inspection to be done once in every 3 years and the inspection charges to be recovered from the customer. The information regarding the property inspection charges are well informed in advance to customers by way of email and SMS, before debiting the inspection charges in their respective accounts.

Ø As a part of policy, the initial inspection charges are debited centrally by CPU for all the existing loan accounts. The subsequent charges will be levied by the respective RACs every 3 years, once the inspection is completed.

Ø The officer / Valuer will be visiting the property once in every 3 years and submitting a report. Subsequently the charges will be debited to customers once in every 3 years

Ø As per the recent policy, subsequent to loan disbursement the property inspection to be done by the RAC once in 3 years and a property visit report to be updated in records/file. If there are any deviations observed in the mortgaged property the same to be taken up for necessary explanation / action.

Ø It is a policy of the bank to inspect the mortgaged property in order to cover various risks.

Ø Since it is a bank induced transaction, Bank is not providing any receipts for the same.

Sincerely Yours,
Vijay P Gokhale,
Operations Manager - RAC Thane,
Sol ID: 821,
M- 97730 56800
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From: Babita P [mailto:[email protected]]
Sent: Thursday, March 22, 2018 1:22 PM
To: [email protected]
Cc: 'Biju Ninan Varghese'; 'Kshama'; [email protected]; 'Thn customerservice'; [email protected]; [email protected]; [email protected]; Vijay Gokhale
Subject: Re: Home Loan account 1176750011477- Property Inspection process details required

Hello Mr. N. Krishnan

My name is Babita Sasidharan and I'm a home loan customer with IDBI Bank Thane RAC.
My Home Loan account 1176750011477.

On 01-Jan-2018 an amount of Rs.708.00 was deducted from my account by IDBI Bank. On calling IDBI customer care I was told this amount was property inspection charges against the home loan I have.

I had few questions about this new property inspection process and I have been following with IDBI Bank customer care and Thane RAC via phone calls, emails and online complaint forms for the last 3 months. Till date I have not got any satisfactory replies from any of your banking officials.

Below are the 4 questions about the property inspection process I need answers from IDBI Bank.

1. How does IDBI Bank do property inspection? Do you visit the homebuilding to inspect?
2. Do you prepare any report of property inspection and share with your customer?
3. On what date did IDBI Bank conduct the property inspection of my homebuilding?
4. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

I hope you would be able to get me details asked here in timely manner.

Regards
Babita Sasidharan
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On Thursday, March 15, 2018, 7:01:01 PM PDT, Babita P <[email protected]> wrote:

Hi Vijay & team

Its been one month since the last email you sent on 14/02/2018.
Do you have any update about the IDBI Bank property inspection process from your Product team and corporate office?
Its been 3 months now that I'm following with IDBI Bank to provide details on property inspection process.

--Babita Sasidharan
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On Wednesday, February 14, 2018, 4:50:39 AM PST, Babita P <[email protected]> wrote:

Hi Vijay

I clearly understand how the inspection charges have been debited from customer's account and what are the ways or forms of communications IDBI Bank used to inform their customers about introducing the inspection charge. I do not have any questions about what are the inspection charges or how you take it.

After your email reply it appears the IDBI Bank RAC Thane branch is as ignorant about the property inspection process as their customers.

I had sent the first email to your customer care and Thane branch on January 02, 2018 asking for more details and today after more than one and half months of follow up IDBI Bank do not have any answers.

You have not answered if Thane RAC does property inspection or the corporate office. This raises question - was there ever any property inspection done before charging the customers for the same?

This leaves me to think if IDBI Bank is after making fool of their customers and collecting money in name of property inspection charges without having any proper process defined.

Do you know by when your corporate office will reply back to customer queries?

-Babita Sasidharan
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From: Vijay Gokhale <[email protected]>
To: 'Babita P' <[email protected]>; [email protected]; [email protected]
Cc: 'Biju Ninan Varghese' <[email protected]>; 'Kshama' <[email protected]>; [email protected]; 'Thn customerservice' <[email protected]>; [email protected]
Sent: Tuesday, February 13, 2018 10:37 PM
Subject: RE: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear Babita Madam,

Good Morning !!!
Wrt trailing mail we submit as under ;

As rightly pointed out by you,

Ø our corporate office has issued circular on 15.11.2017, wherein property inspection charges are introduced .
Ø The charges are debited automatically by the centralised system .
Ø The communications to the customer is also made by Centralised system .

Hence RAC / branches have no role to play in this entire process .

We have sum up the queries raised by various clients & sent the same to our Product team & corporate office for their redressal .

We once again reiterate that We at RAC/Branch level are able, only to provide / reproduce the answers, as per the information/ instruction, we get from our higher offices.

Sincerely Yours,
Vijay P Gokhale,
Operations Manager - RAC Thane,
Sol ID: 821,
M- 97730 56800
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From: Babita P [mailto:[email protected]]
Sent: Wednesday, February 14, 2018 11:43 AM
To: Vijay Gokhale; [email protected]; [email protected]
Cc: 'Biju Ninan Varghese'; 'Kshama'; [email protected]; 'Thn customerservice'; [email protected]
Subject: Re: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Hi Vijay

From your email reply it looks like only the IDBI Bank corporate office knows what is being done under the name of "property inspection" and IDBI Bank Corporate Office is the only place to get customer questions answered.

Does this mean the IDBI Bank Thane branch that processed the loan application and disbursed the loan does not know anything about the property inspection process.

Do you know who is conducting the property inspection - IDBI Bank Thane branch or the IDBI Corprate office?

- Babita Sasidharan
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From: Vijay Gokhale <[email protected]>
To: 'Babita P' <[email protected]>
Cc: 'Biju Ninan Varghese' <[email protected]>; 'Kshama' <[email protected]>; [email protected]; 'Thn customerservice' <[email protected]>; [email protected]
Sent: Tuesday, February 13, 2018 9:35 PM
Subject: RE: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear Babita Madam,

Good Morning !!!

Wrt trailing mail we submit as under ;
We have raised the queries on similar lines to our corporate office .
We will be able to answer your queries, upon getting the response from them .
We at RAC/Branch level are able, only to provide / reproduce the answers, as per the information/ instruction, we get from our higher offices.

We request you to bear with us in the interim .

Sincerely Yours,
Vijay P Gokhale,
Operations Manager - RAC Thane,
Sol ID: 821,
M- 97730 56800
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From: Babita P [mailto:[email protected]]
Sent: Tuesday, February 13, 2018 8:46 AM
To: Kshama; [email protected]; VIJAY P GOKHALE; Thn customerservice; [email protected]
Cc: 'Biju Ninan Varghese'
Subject: Re: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Ms. Gadkari & team

This is my 2nd reminder email since 01/02/2018.
I'm still waiting to know answers to my question about the property inspection charges.

-Babita Sasidharan
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From: Babita P <[email protected]>
To: Kshama <[email protected]>; "[email protected]" <[email protected]>; VIJAY P GOKHALE <[email protected]>; Thn customerservice <[email protected]>
Cc: 'Biju Ninan Varghese' <[email protected]>
Sent: Wednesday, February 7, 2018 7:28 PM
Subject: Re: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Hello Ms. Gadkari & team

Could you let me know by when I can expect reply from IDBI Bank to the questions I have posted.

Rgds
Babita Sasidharan
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From: Kshama <[email protected]>
To: [email protected]; VIJAY P GOKHALE <[email protected]>; Thn customerservice <[email protected]>
Cc: 'Biju Ninan Varghese' <[email protected]>; [email protected]
Sent: Thursday, February 1, 2018 9:30 PM
Subject: FW: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear RAC TEAM,

Please advise customer suitably regarding the following queries raised by customer as per trail mail.

1. How does IDBI Bank do property inspection? Do you visit the homebuilding to inspect?
2. Do you prepare any report of property inspection and share with your customer?
3. On what date did IDBI Bank conduct the property inspection of my homebuilding?
4. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

सादर धन्यवाद | Thanks & Regards,
क्षमा गडकरी | Kshama Gadkari,
सहाय्यक महाप्रबंधक – शाखाधिकारी | AGM – BH,
आईडीबीआई बैंक | IDBI Bank Ltd.,
घंटाली शाखा | Thane Ghantali Branch
मोबाइल | Mobile No.: 9819138870
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From: Babita P [mailto:[email protected]]
Sent: Friday, February 02, 2018 10:27 AM
To: [email protected]; Thn_customerservice
Subject: Fw: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear Ms. Gadkari
Ghantali Br. Manager

For the past 1 month I have been trying to get more details about the property inspection charges that IDBI Bank is charging to their home loan customers.

I have tried calling your branch to get answers to get, details about property inspection and whoever picked up the call said I should contact customer care. I have been following with your customer care and tried submitting an online complaint but that has also not helped. Your customer care has come back with this below reply

Can you give me some clarifications on these questions about the property inspection.

1. How does IDBI Bank do property inspection? Do you visit the homebuilding to inspect?
2. Do you prepare any report of property inspection and share with your customer?
3. On what date did IDBI Bank conduct the property inspection of my homebuilding?
4. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

Below is the response I have got from your customer care.

--Babita Sasidharan
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Babita P <[email protected]>
To: thn_customerservice <[email protected]>
Cc: "[email protected]" <[email protected]>
Sent: Tuesday, January 16, 2018 11:58 AM
Subject: Re: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear IDBI Bank Customer Care

Its been 6 days now and I have not got any response on the questions I have about the property inspection done by IDBI Bank.

I'm sure IDBI Bank understands they have a responsibility and obligation to provide their customer full information about any new charges. Can you please look into this and reply me with the details asked in my email.

--Babita Patil
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Babita P <[email protected]>
To: thn_customerservice <[email protected]>
Cc: "[email protected]" <[email protected]>
Sent: Tuesday, January 9, 2018 10:23 AM
Subject: Re: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Thank You for the reply.

After reading your reply it looks like IDBI Bank has tried to inform their retail loan customers of this property inspection charges via SMS or email.

I never received any SMS or email about this charge and was not aware of it until the amount was deducted from my bank account.

To make sure that I do receive these kinds of information in future, can you please update your records to use email id: [email protected] for Loan account: 117675001147.

Please do send me a confirmation when this update is done on my account.

Also I would like to know details on these points

1. what kind of inspection is done in this under this said property inspection?
2. What all property things your people check for?
3. What is the method used by IDBI Bank for doing this property inspection?
4. Is there any report prepared before and after the property inspection?
5. Does IDBI Bank share the property inspection report with their customers?
6. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

If you have any official Bank document or web link with explanation to above points kindly share. It would help your customers know what they are paying for.

Thanks
Babita Patil
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: thn_customerservice <[email protected]>
To: 'Babita P' <[email protected]>
Cc: [email protected]
Sent: Tuesday, January 9, 2018 2:46 AM
Subject: RE: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear Sir,

Please find the attachment.

With respect to above referred communication we submit as under ;
We have referred the concerns of similar nature ( application of HL property inspection charges) to our corporate centre .
We reproduce here with the reply received from them .

“SRA Product team at Corporate Centre has been receiving queries with respect to property Inspection charges debited to existing customer’s account.

In this regard, this is to clarify that circular regarding introduction of new charges has been issued on 15th November 2017. The intimation for revision in service charges has been sent to the customers vide SMS dated 20th November 2017and Email dated 24th November 2017 for visiting our website www.idbi.com for more details, as per BCSBI norms. The details of revised charges were hosted on Bank’s website also. Once again, communication has been sent to the customers on 21st December 2017 through SMS and Email . Moreover, revision in service charges for retail loans have been displayed on the ATM screen. Please inform the customers that property inspection charges will be levied once in three years as per extant guidelines of the bank.

The charges applied to your account pertains to Property Inspection Charges, which will be levied once in three years .
The charges are debited by the centralized system .
The application of these charges are based on, our circular on Structure of Schedule of Charges for Structured Retail Asset Products Applicable w.e.f. 15th November 2017

We reproduce the relevant part of this circular, for your ready reference .

Regards,
Ops Team
Thane RAC
022-25393901/06/07
Office Hours: 10.00 AM to 4.00PM (Monday To Saturday)
2nd and 4th Saturday Holiday
All Sunday’s Holiday.
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From: Avilasha Bhuit [mailto:[email protected]]
Sent: 09 January 2018 14:53
To: thn_customerservice
Subject: RE:'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear Sir/Madam,

For your information.

Regards,
Avilasha Bhuit
Customer Care Center
IDBI Bank Ltd
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-----Original Message-----
From: Babita P ([email protected])
Date: Friday, January 05, 2018 10:45 PM
To: thn_customerservice ([email protected]); [email protected] ([email protected])
Subject: Re: Home Loan account 1176750011477

Hello IDBI customer Care Dept.

Its been 3days and I have had no response from IDBI customer care about query I asked on money deducted from my account.

Can you please reply.

--Babita Patil
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From: Babita P <[email protected]>
To: thn_customerservice <[email protected]>; "[email protected]" <[email protected]>
Sent: Tuesday, January 2, 2018 8:39 PM
Subject: Home Loan account 1176750011477

Hi

I see an ECS of Rs.708 debited from my account against the home loan on 01Jan2018.

On calling IDBI home loan branch at Thane Maharashtra I was told this is property inspection charges.

I need more some details about this property inspection. When this so called property inspection was done and what exactly IDBI bank does in a property inspection? Do you have any report of this inspection that I can see?

Please provide me receipt of this property inspection fee.

- Babita Patil
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डिस्क्लेमर : इस ई-मेल में आईडीबीआई बैंक लि. से संबंधित विशेषाधिकार-प्राप्त सूचना या सूचना निहित है और केवल उस व्यक्ति के उपयोग के लिए निर्दिष्ट है जिसे वह प्रेषित की गई है. किसी अन्य व्यक्ति द्वारा इस मेल तक पहुंच अनधिकृत है. इसे (पूर्णत: या अंशत:) कॉपी करना या निर्दिष्ट प्राप्तकर्ता से परे इसका वितरण करना प्रतिबंधित है और गैर-कानूनी भी हो सकता है. प्राप्तकर्ता अभिस्वीकार करता है
कि आईडीबीआई बैंक लि. ई-मेल पारेषणों पर नियंत्रण रखने या उनमें निहित अंतर्वस्तुओं की अखंडता सुनिश्चित करने या उसकी गारंटी देने में असमर्थ रहा है और यह भी अभिस्वीकार करता है कि इस संदेश में व्यक्त विचार वैयक्तिक प्रेषक के विचार हैं और आईडीबीआई बैंक लि. पर आबद्धकर नहीं हैं. ई-मेल परिवर्तित किए जा सकते हैं या उनकी अखंडता की गारंटी नहीं दी जा सकती है. आईडीबीआई बैंक इस ई-मेल के कारण हु
ए किसी नुकसान के लिए कोई देयता स्वीकार नहीं करता है. यदि आपको गलती से यह ईमेल प्राप्त हो गया हो तो कृपया प्रेषक से संपर्क करें और इसे अपने कंप्यूटर से हटा दें.

Disclaimer: This e-mail contains privileged information or information belonging to IDBI Bank Ltd and is intended solely for the addressee/s. Access to this email by anyone else is unauthorized. Any copying (whole or partial) or further distribution beyond the original recipient is not intended, and may be unlawful. The recipient acknowledges that IDBI Bank Ltd is unable to exercise control or ensure or guarantee the integrity of the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and are not binding on IDBI Bank Ltd. E-mails are susceptible to alteration and their integrity cannot be guaranteed. IDBI Bank Ltd does not accept any liability for any damages caused on account of this e-mail. If you have received this email in error, please contact the sender and delete the material from your computer.
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Address: Mumbai City, Maharashtra, 400099

I have been trying to call the IDBI so called 24/7 numbers since an hour and half now all it says it's busy or unavailable or on hold for 5 to 10mins . Even when the number rings no one answers so why do you claim having a number ?

My account has been debited of INR1900 but the atm failed to dispense any cash as it showed error in transaction.

This is the 3rd time I'm having an issue and not being able to get in touch with any of their representatives the only departments that answer are the credit cards and loan what if I've actually lost my card or my cards stolen?

Such negligence is bith stressful and unbelievable.

Spoke to the credit card department ..Mr Lavan and Mr. PRAKASH Who cut the call mid conversation turned out of no help .

Truly shocked with such an experience.

+2 photos

IDBI Bank customer support has been notified about the posted complaint.

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On 1st jan 2018, rs 708 were deducted from my saving account for idbi home loan account through ecs. When i called customer care they said it was for property inspection charge rs 600 +gst rs 108. But there was no inspection and this is not as per loan agreement.
I would like to get rs 708 credited back in my account or to be adjusted against my home loan principal amount.

IDBI Bank customer support has been notified about the posted complaint.

View replies

R

R Venkat

from Chennai, Tamil Nadu

Jan 10, 2018

For me too. I have not given any written permission to deduct my Savings account for this charge. Deducting my Bank account without customers permission is illegal. We can file a case just for this reason. And there was no inspection done. Without a sweat they are charging the customer with such charge is really unjustifiable.
Revert these charges or else you have to face the customers reactions.

Reply

B

babitap31

Apr 19, 2018

I have been following with IDBI Grievances offices for explaining what they are doing under property inspection.

Below is the email trail of my follows up with IDBI Bank. I would request you all to write emails to the below email ids & not stopping following up until we get details of what exactly IDBI Bank under the name of property inspection.

[protected]@idbi.co.in
[protected]@idbi.co.in
[protected]@idbi.co.in
[protected]@idbi.co.in
[protected]@idbi.co.in
vijay.[protected]@idbi.co.in
biju.[protected]@idbi.co.in
b.[protected]@idbi.co.in
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

Babita P
To: n.[protected]@idbi.co.in, Vijay Gokhale, [protected]@idbi.co.in
Cc: 'Biju Ninan Varghese', 'Kshama', b.[protected]@idbi.co.in, 'Thn customerservice', [protected]@idbi.co.in,
Apr 17 at 10:41 AM

Dear Vijay

Based on your reply I feel IDBI bank is doing an ethical transaction and cheating their customers in the name of property inspection.

I definitely need more details from IDBI Bank to know what exactly was done under the your bank's new policy of property inspection.
I want to know if your bank really did a property inspection and incurred some costs for the same which then your bank debited from the customer's account.

I need answers to these questions.

1. Did your bank conduct any siteproperty visits to assess various property risks?
2. Did you get any signature from the customer on the property inspection assessment report when your bank officials visited their property?
3. Did you visit my apartment building and go inside my apartment to inspect any risks to the property?
4. On what date and time did IDBI Bank complete my property inspection?
5. Is the customer responsible to pay for a bank induced transaction which they never asked for?
6. Did you notify your customers well in advance, that you will be taking their money and not provide them any proof of statements or receipts for the money you take in name of property inspection charges?

I expect a large bank like yours to be more transparent with their customers and should be ready provide as much details needed to rule out any impressions of any wrong doings.

Thanks
Babita Sasidharan
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

On Tuesday, April 17, 2018, 3:32:27 AM PDT, Vijay Gokhale wrote:

Dear Babita Madam,

Good Afternoon !!!

Wrt trailing mail, we give here below the Gist of reply received from our higher authorities .

They are general in nature & not specific to the issues raised by you .

Ø The property inspection charges are introduced by the bank recently as a part of Banks internal policy. As per the policy, the property inspection to be done once in every 3 years and the inspection charges to be recovered from the customer. The information regarding the property inspection charges are well informed in advance to customers by way of email and SMS, before debiting the inspection charges in their respective accounts.

Ø As a part of policy, the initial inspection charges are debited centrally by CPU for all the existing loan accounts. The subsequent charges will be levied by the respective RACs every 3 years, once the inspection is completed.

Ø The officer / Valuer will be visiting the property once in every 3 years and submitting a report. Subsequently the charges will be debited to customers once in every 3 years

Ø As per the recent policy, subsequent to loan disbursement the property inspection to be done by the RAC once in 3 years and a property visit report to be updated in records/file. If there are any deviations observed in the mortgaged property the same to be taken up for necessary explanation / action.

Ø It is a policy of the bank to inspect the mortgaged property in order to cover various risks.

Ø Since it is a bank induced transaction, Bank is not providing any receipts for the same.

Sincerely Yours,
Vijay P Gokhale,
Operations Manager - RAC Thane,
Sol ID: 821,
M[protected]
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Babita P [mailto:[protected]@yahoo.com]
Sent: Thursday, March 22, 2018 1:22 PM
To: n.[protected]@idbi.co.in
Cc: 'Biju Ninan Varghese'; 'Kshama'; b.[protected]@idbi.co.in; 'Thn customerservice'; [protected]@idbi.co.in; [protected]@idbi.co.in; [protected]@idbi.co.in; Vijay Gokhale
Subject: Re: Home Loan account[protected] Property Inspection process details required

Hello Mr. N. Krishnan

My name is Babita Sasidharan and I'm a home loan customer with IDBI Bank Thane RAC.
My Home Loan account[protected].

On 01-Jan-2018 an amount of Rs.708.00 was deducted from my account by IDBI Bank. On calling IDBI customer care I was told this amount was property inspection charges against the home loan I have.

I had few questions about this new property inspection process and I have been following with IDBI Bank customer care and Thane RAC via phone calls, emails and online complaint forms for the last 3 months. Till date I have not got any satisfactory replies from any of your banking officials.

Below are the 4 questions about the property inspection process I need answers from IDBI Bank.

1. How does IDBI Bank do property inspection? Do you visit the homebuilding to inspect?
2. Do you prepare any report of property inspection and share with your customer?
3. On what date did IDBI Bank conduct the property inspection of my homebuilding?
4. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

I hope you would be able to get me details asked here in timely manner.

Regards
Babita Sasidharan
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

On Thursday, March 15, 2018, 7:01:01 PM PDT, Babita P wrote:

Hi Vijay & team

Its been one month since the last email you sent on 14/02/2018.
Do you have any update about the IDBI Bank property inspection process from your Product team and corporate office?
Its been 3 months now that I'm following with IDBI Bank to provide details on property inspection process.

--Babita Sasidharan
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

On Wednesday, February 14, 2018, 4:50:39 AM PST, Babita P wrote:

Hi Vijay

I clearly understand how the inspection charges have been debited from customer's account and what are the ways or forms of communications IDBI Bank used to inform their customers about introducing the inspection charge. I do not have any questions about what are the inspection charges or how you take it.

After your email reply it appears the IDBI Bank RAC Thane branch is as ignorant about the property inspection process as their customers.

I had sent the first email to your customer care and Thane branch on January 02, 2018 asking for more details and today after more than one and half months of follow up IDBI Bank do not have any answers.

You have not answered if Thane RAC does property inspection or the corporate office. This raises question - was there ever any property inspection done before charging the customers for the same?

This leaves me to think if IDBI Bank is after making fool of their customers and collecting money in name of property inspection charges without having any proper process defined.

Do you know by when your corporate office will reply back to customer queries?

-Babita Sasidharan
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Vijay Gokhale
To: 'Babita P' ; [protected]@idbi.co.in; [protected]@idbi.co.in
Cc: 'Biju Ninan Varghese' ; 'Kshama' ; b.[protected]@idbi.co.in; 'Thn customerservice' ; [protected]@idbi.co.in
Sent: Tuesday, February 13, 2018 10:37 PM
Subject: RE: 'IDBIBank=[protected]' Re: Home Loan account[protected]

Dear Babita Madam,

Good Morning !!!
Wrt trailing mail we submit as under ;

As rightly pointed out by you,

Ø our corporate office has issued circular on 15.11.2017, wherein property inspection charges are introduced .
Ø The charges are debited automatically by the centralised system .
Ø The communications to the customer is also made by Centralised system .

Hence RAC / branches have no role to play in this entire process .

We have sum up the queries raised by various clients & sent the same to our Product team & corporate office for their redressal .

We once again reiterate that We at RAC/Branch level are able, only to provide / reproduce the answers, as per the information/ instruction, we get from our higher offices.

Sincerely Yours,
Vijay P Gokhale,
Operations Manager - RAC Thane,
Sol ID: 821,
M[protected]
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Babita P [mailto:[protected]@yahoo.com]
Sent: Wednesday, February 14, 2018 11:43 AM
To: Vijay Gokhale; [protected]@idbi.co.in; [protected]@idbi.co.in
Cc: 'Biju Ninan Varghese'; 'Kshama'; b.[protected]@idbi.co.in; 'Thn customerservice'; [protected]@idbi.co.in
Subject: Re: 'IDBIBank=[protected]' Re: Home Loan account[protected]

Hi Vijay

From your email reply it looks like only the IDBI Bank corporate office knows what is being done under the name of "property inspection" and IDBI Bank Corporate Office is the only place to get customer questions answered.

Does this mean the IDBI Bank Thane branch that processed the loan application and disbursed the loan does not know anything about the property inspection process.

Do you know who is conducting the property inspection - IDBI Bank Thane branch or the IDBI Corprate office?

- Babita Sasidharan
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Vijay Gokhale
To: 'Babita P'
Cc: 'Biju Ninan Varghese' ; 'Kshama' ; b.[protected]@idbi.co.in; 'Thn customerservice' ; [protected]@idbi.co.in
Sent: Tuesday, February 13, 2018 9:35 PM
Subject: RE: 'IDBIBank=[protected]' Re: Home Loan account[protected]

Dear Babita Madam,

Good Morning !!!

Wrt trailing mail we submit as under ;
We have raised the queries on similar lines to our corporate office .
We will be able to answer your queries, upon getting the response from them .
We at RAC/Branch level are able, only to provide / reproduce the answers, as per the information/ instruction, we get from our higher offices.

We request you to bear with us in the interim .

Sincerely Yours,
Vijay P Gokhale,
Operations Manager - RAC Thane,
Sol ID: 821,
M[protected]
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Babita P [mailto:[protected]@yahoo.com]
Sent: Tuesday, February 13, 2018 8:46 AM
To: Kshama; b.[protected]@idbi.co.in; VIJAY P GOKHALE; Thn customerservice; [protected]@idbi.co.in
Cc: 'Biju Ninan Varghese'
Subject: Re: 'IDBIBank=[protected]' Re: Home Loan account[protected]

Ms. Gadkari & team

This is my 2nd reminder email since 01/02/2018.
I'm still waiting to know answers to my question about the property inspection charges.

-Babita Sasidharan
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Babita P
To: Kshama ; "b.[protected]@idbi.co.in" ; VIJAY P GOKHALE ; Thn customerservice
Cc: 'Biju Ninan Varghese'
Sent: Wednesday, February 7, 2018 7:28 PM
Subject: Re: 'IDBIBank=[protected]' Re: Home Loan account[protected]

Hello Ms. Gadkari & team

Could you let me know by when I can expect reply from IDBI Bank to the questions I have posted.

Rgds
Babita Sasidharan
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Kshama
To: b.[protected]@idbi.co.in; VIJAY P GOKHALE ; Thn customerservice
Cc: 'Biju Ninan Varghese' ; [protected]@yahoo.com
Sent: Thursday, February 1, 2018 9:30 PM
Subject: FW: 'IDBIBank=[protected]' Re: Home Loan account[protected]

Dear RAC TEAM,

Please advise customer suitably regarding the following queries raised by customer as per trail mail.

1. How does IDBI Bank do property inspection? Do you visit the homebuilding to inspect?
2. Do you prepare any report of property inspection and share with your customer?
3. On what date did IDBI Bank conduct the property inspection of my homebuilding?
4. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

सादर धन्यवाद | Thanks & Regards,
क्षमा गडकरी | Kshama Gadkari,
सहाय्यक महाप्रबंधक – शाखाधिकारी | AGM – BH,
आईडीबीआई बैंक | IDBI Bank Ltd.,
घंटाली शाखा | Thane Ghantali Branch
मोबाइल | Mobile No.: [protected]
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Babita P [mailto:[protected]@yahoo.com]
Sent: Friday, February 02, 2018 10:27 AM
To: [protected]@idbi.co.in; Thn_customerservice
Subject: Fw: 'IDBIBank=[protected]' Re: Home Loan account[protected]

Dear Ms. Gadkari
Ghantali Br. Manager

For the past 1 month I have been trying to get more details about the property inspection charges that IDBI Bank is charging to their home loan customers.

I have tried calling your branch to get answers to get, details about property inspection and whoever picked up the call said I should contact customer care. I have been following with your customer care and tried submitting an online complaint but that has also not helped. Your customer care has come back with this below reply

Can you give me some clarifications on these questions about the property inspection.

1. How does IDBI Bank do property inspection? Do you visit the homebuilding to inspect?
2. Do you prepare any report of property inspection and share with your customer?
3. On what date did IDBI Bank conduct the property inspection of my homebuilding?
4. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

Below is the response I have got from your customer care.

--Babita Sasidharan
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Babita P
To: thn_customerservice
Cc: "[protected]@idbi.co.in"
Sent: Tuesday, January 16, 2018 11:58 AM
Subject: Re: 'IDBIBank=[protected]' Re: Home Loan account[protected]

Dear IDBI Bank Customer Care

Its been 6 days now and I have not got any response on the questions I have about the property inspection done by IDBI Bank.

I'm sure IDBI Bank understands they have a responsibility and obligation to provide their customer full information about any new charges. Can you please look into this and reply me with the details asked in my email.

--Babita Patil
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Babita P
To: thn_customerservice
Cc: "[protected]@idbi.co.in"
Sent: Tuesday, January 9, 2018 10:23 AM
Subject: Re: 'IDBIBank=[protected]' Re: Home Loan account[protected]

Thank You for the reply.

After reading your reply it looks like IDBI Bank has tried to inform their retail loan customers of this property inspection charges via SMS or email.

I never received any SMS or email about this charge and was not aware of it until the amount was deducted from my bank account.

To make sure that I do receive these kinds of information in future, can you please update your records to use email id: [protected]@yahoo.com for Loan account:[protected].

Please do send me a confirmation when this update is done on my account.

Also I would like to know details on these points

1. what kind of inspection is done in this under this said property inspection?
2. What all property things your people check for?
3. What is the method used by IDBI Bank for doing this property inspection?
4. Is there any report prepared before and after the property inspection?
5. Does IDBI Bank share the property inspection report with their customers?
6. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

If you have any official Bank document or web link with explanation to above points kindly share. It would help your customers know what they are paying for.

Thanks
Babita Patil
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: thn_customerservice
To: 'Babita P'
Cc: [protected]@idbi.co.in
Sent: Tuesday, January 9, 2018 2:46 AM
Subject: RE: 'IDBIBank=[protected]' Re: Home Loan account[protected]

Dear Sir,

Please find the attachment.

With respect to above referred communication we submit as under ;
We have referred the concerns of similar nature ( application of HL property inspection charges) to our corporate centre .
We reproduce here with the reply received from them .

“SRA Product team at Corporate Centre has been receiving queries with respect to property Inspection charges debited to existing customer’s account.

In this regard, this is to clarify that circular regarding introduction of new charges has been issued on 15th November 2017. The intimation for revision in service charges has been sent to the customers vide SMS dated 20th November 2017and Email dated 24th November 2017 for visiting our website www.idbi.com for more details, as per BCSBI norms. The details of revised charges were hosted on Bank’s website also. Once again, communication has been sent to the customers on 21st December 2017 through SMS and Email . Moreover, revision in service charges for retail loans have been displayed on the ATM screen. Please inform the customers that property inspection charges will be levied once in three years as per extant guidelines of the bank.

The charges applied to your account pertains to Property Inspection Charges, which will be levied once in three years .
The charges are debited by the centralized system .
The application of these charges are based on, our circular on Structure of Schedule of Charges for Structured Retail Asset Products Applicable w.e.f. 15th November 2017

We reproduce the relevant part of this circular, for your ready reference .

Regards,
Ops Team
Thane RAC
[protected]/06/07
Office Hours: 10.00 AM to 4.00PM (Monday To Saturday)
2nd and 4th Saturday Holiday
All Sunday’s Holiday.
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Avilasha Bhuit [mailto:[protected]@idbi.co.in]
Sent: 09 January 2018 14:53
To: thn_customerservice
Subject: RE:'IDBIBank=[protected]' Re: Home Loan account[protected]

Dear Sir/Madam,

For your information.

Regards,
Avilasha Bhuit
Customer Care Center
IDBI Bank Ltd
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

-----Original Message-----
From: Babita P ([protected]@yahoo.com)
Date: Friday, January 05, 2018 10:45 PM
To: thn_customerservice ([protected]@idbi.co.in); [protected]@idbibank.com ([protected]@idbibank.com)
Subject: Re: Home Loan account[protected]

Hello IDBI customer Care Dept.

Its been 3days and I have had no response from IDBI customer care about query I asked on money deducted from my account.

Can you please reply.

--Babita Patil
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

From: Babita P
To: thn_customerservice ; "[protected]@idbibank.com"
Sent: Tuesday, January 2, 2018 8:39 PM
Subject: Home Loan account[protected]

Hi

I see an ECS of Rs.708 debited from my account against the home loan on 01Jan2018.

On calling IDBI home loan branch at Thane Maharashtra I was told this is property inspection charges.

I need more some details about this property inspection. When this so called property inspection was done and what exactly IDBI bank does in a property inspection? Do you have any report of this inspection that I can see?

Please provide me receipt of this property inspection fee.

- Babita Patil
[protected][protected][protected][protected][protected][protected][protected][pr...⇄

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डिस्क्लेमर : इस ई-मेल में आईडीबीआई बैंक लि. से संबंधित विशेषाधिकार-प्राप्त सूचना या सूचना निहित है और केवल उस व्यक्ति के उपयोग के लिए निर्दिष्ट है जिसे वह प्रेषित की गई है. किसी अन्य व्यक्ति द्वारा इस मेल तक पहुंच अनधिकृत है. इसे (पूर्णत: या अंशत:) कॉपी करना या निर्दिष्ट प्राप्तकर्ता से परे इसका वितरण करना प्रतिबंधित है और गैर-कानूनी भी हो सकता है. प्राप्तकर्ता अभिस्वीकार करता है
कि आईडीबीआई बैंक लि. ई-मेल पारेषणों पर नियंत्रण रखने या उनमें निहित अंतर्वस्तुओं की अखंडता सुनिश्चित करने या उसकी गारंटी देने में असमर्थ रहा है और यह भी अभिस्वीकार करता है कि इस संदेश में व्यक्त विचार वैयक्तिक प्रेषक के विचार हैं और आईडीबीआई बैंक लि. पर आबद्धकर नहीं हैं. ई-मेल परिवर्तित किए जा सकते हैं या उनकी अखंडता की गारंटी नहीं दी जा सकती है. आईडीबीआई बैंक इस ई-मेल के कारण हु
ए किसी नुकसान के लिए कोई देयता स्वीकार नहीं करता है. यदि आपको गलती से यह ईमेल प्राप्त हो गया हो तो कृपया प्रेषक से संपर्क करें और इसे अपने कंप्यूटर से हटा दें.

Disclaimer: This e-mail contains privileged information or information belonging to IDBI Bank Ltd and is intended solely for the addressee/s. Access to this email by anyone else is unauthorized. Any copying (whole or partial) or further distribution beyond the original recipient is not intended, and may be unlawful. The recipient acknowledges that IDBI Bank Ltd is unable to exercise control or ensure or guarantee the integrity of the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and are not binding on IDBI Bank Ltd. E-mails are susceptible to alteration and their integrity cannot be guaranteed. IDBI Bank Ltd does not accept any liability for any damages caused on account of this e-mail. If you have received this email in error, please contact the sender and delete the material from your computer.
================================================================================...⇄

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Address: Mumbai City, Maharashtra

On 1st jan 2018, rs 708 were deducted from my saving account for idbi home loan account through ecs. When i called customer care they said it was for property inspection charge rs 600 +gst rs 108. But there was no inspection and this is not as per loan agreement.
I would like to get rs 708 credited back in my account or to be adjusted against my home loan principal amount.

IDBI Bank customer support has been notified about the posted complaint.

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J

[email protected]

from New Delhi, Delhi

Jan 12, 2018

The bank had cut the mab charges. But this account is 0 bal. Account so plz wave it

property inspection charges - Comment #2972580 - Image #0

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V

Velayudhan

from Mumbai, Maharashtra

Jan 25, 2018

IDBI bank has suddenly started deducting Property Inspection Charges. When asked to explain what happens in the process, none of the officers are able to explain the process. Got one answer which says it happens online and it is a secret process advised by RBI and hence, we cannot disclose the process. I do not know whether to laugh or cry at this answer. Hope someone at IDBI believes in transparency and comes out with a satisfactory answer. There was absolutely no intimation from IDBI that a property inspection would be carried out or how it would be done, etc.
Need a reply to understand what exactly happens during a Property Inspection and why target all accounts, instead of targeting those that are defaulters??? No logic.
Thanks
Vishwanath

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Address: 201301

I am a student, when i wanted to get a educational loan i was approached by idbi bank, the staff there assured me of the loan and convinced me to get an account open, i paid 5000 rs for that. But its was so heartbreaking when they denied the load and the staff to was very unresponsive, so i withdrew that 5000 rs. Now that after 2 years i have noticed the bank have put a very large penal amount on me for 0 balance. It is very shameful, firstly...

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Address: Mumbai City, Maharashtra, 410206

I have been charged 600 inr w. R. T hl property inspection charge. (Attached is the screen shot of same).

I don't understand why this charge has been incurred and what inspection has been made?
I feel charging anything without informing customer is unethical. I have been paying all the emis on time and not in to defaulter list.

I am really not at all happy, after seeing this inspection charge which i feel is unnecessary.

Please revert it back.

+1 photos

IDBI Bank customer support has been notified about the posted complaint.

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Address: Dhanbad, Jharkhand, 82600

I have been charged home loan property inspection charge of inr 600 and gst. I do not understand what was the reason behind this. Why bank didn't inform me before charging? Now a days idbi charge unnecessarily without any prior notice. I paid/paying all my emis on time and never defaulted so far. Revert my money into my account else i will take necessary action. This is an example of cheating and fraud on bank's behalf.

IDBI Bank customer support has been notified about the posted complaint.

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vikrant001

from Mumbai, Maharashtra

Jan 8, 2018

Same with me. The outcome of this charges is my balance going down and my loan EMI was also affected because of this charges. My loan EMI is linked to my saving account, and I maintain a minimum balance equivalent to my EMI amount. Additionally I was charged with interest for Rs.350/- when my account bal. restored.

Totally unfair.

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vikrant001's reply, Jan 8, 2018

Loan A/c. No. 0123675100007832 - Branch Ghantali

babitap31's reply, Apr 19, 2018

I have been following with IDBI Grievances offices for explaining what they are doing under property inspection.

Below is the email trail of my follows up with IDBI Bank. I would request you all to write emails to the below email ids & not stopping following up until we get details of what exactly IDBI Bank under the name of property inspection.

[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

Babita P <[email protected]>
To: [email protected], Vijay Gokhale, [email protected]
Cc: 'Biju Ninan Varghese', 'Kshama', [email protected], 'Thn customerservice', [email protected],
Apr 17 at 10:41 AM

Dear Vijay

Based on your reply I feel IDBI bank is doing an ethical transaction and cheating their customers in the name of property inspection.

I definitely need more details from IDBI Bank to know what exactly was done under the your bank's new policy of property inspection.
I want to know if your bank really did a property inspection and incurred some costs for the same which then your bank debited from the customer's account.

I need answers to these questions.

1. Did your bank conduct any siteproperty visits to assess various property risks?
2. Did you get any signature from the customer on the property inspection assessment report when your bank officials visited their property?
3. Did you visit my apartment building and go inside my apartment to inspect any risks to the property?
4. On what date and time did IDBI Bank complete my property inspection?
5. Is the customer responsible to pay for a bank induced transaction which they never asked for?
6. Did you notify your customers well in advance, that you will be taking their money and not provide them any proof of statements or receipts for the money you take in name of property inspection charges?

I expect a large bank like yours to be more transparent with their customers and should be ready provide as much details needed to rule out any impressions of any wrong doings.

Thanks
Babita Sasidharan
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On Tuesday, April 17, 2018, 3:32:27 AM PDT, Vijay Gokhale <[email protected]> wrote:

Dear Babita Madam,

Good Afternoon !!!

Wrt trailing mail, we give here below the Gist of reply received from our higher authorities .

They are general in nature & not specific to the issues raised by you .

Ø The property inspection charges are introduced by the bank recently as a part of Banks internal policy. As per the policy, the property inspection to be done once in every 3 years and the inspection charges to be recovered from the customer. The information regarding the property inspection charges are well informed in advance to customers by way of email and SMS, before debiting the inspection charges in their respective accounts.

Ø As a part of policy, the initial inspection charges are debited centrally by CPU for all the existing loan accounts. The subsequent charges will be levied by the respective RACs every 3 years, once the inspection is completed.

Ø The officer / Valuer will be visiting the property once in every 3 years and submitting a report. Subsequently the charges will be debited to customers once in every 3 years

Ø As per the recent policy, subsequent to loan disbursement the property inspection to be done by the RAC once in 3 years and a property visit report to be updated in records/file. If there are any deviations observed in the mortgaged property the same to be taken up for necessary explanation / action.

Ø It is a policy of the bank to inspect the mortgaged property in order to cover various risks.

Ø Since it is a bank induced transaction, Bank is not providing any receipts for the same.

Sincerely Yours,
Vijay P Gokhale,
Operations Manager - RAC Thane,
Sol ID: 821,
M- 97730 56800
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From: Babita P [mailto:[email protected]]
Sent: Thursday, March 22, 2018 1:22 PM
To: [email protected]
Cc: 'Biju Ninan Varghese'; 'Kshama'; [email protected]; 'Thn customerservice'; [email protected]; [email protected]; [email protected]; Vijay Gokhale
Subject: Re: Home Loan account 1176750011477- Property Inspection process details required

Hello Mr. N. Krishnan

My name is Babita Sasidharan and I'm a home loan customer with IDBI Bank Thane RAC.
My Home Loan account 1176750011477.

On 01-Jan-2018 an amount of Rs.708.00 was deducted from my account by IDBI Bank. On calling IDBI customer care I was told this amount was property inspection charges against the home loan I have.

I had few questions about this new property inspection process and I have been following with IDBI Bank customer care and Thane RAC via phone calls, emails and online complaint forms for the last 3 months. Till date I have not got any satisfactory replies from any of your banking officials.

Below are the 4 questions about the property inspection process I need answers from IDBI Bank.

1. How does IDBI Bank do property inspection? Do you visit the homebuilding to inspect?
2. Do you prepare any report of property inspection and share with your customer?
3. On what date did IDBI Bank conduct the property inspection of my homebuilding?
4. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

I hope you would be able to get me details asked here in timely manner.

Regards
Babita Sasidharan
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On Thursday, March 15, 2018, 7:01:01 PM PDT, Babita P <[email protected]> wrote:

Hi Vijay & team

Its been one month since the last email you sent on 14/02/2018.
Do you have any update about the IDBI Bank property inspection process from your Product team and corporate office?
Its been 3 months now that I'm following with IDBI Bank to provide details on property inspection process.

--Babita Sasidharan
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On Wednesday, February 14, 2018, 4:50:39 AM PST, Babita P <[email protected]> wrote:

Hi Vijay

I clearly understand how the inspection charges have been debited from customer's account and what are the ways or forms of communications IDBI Bank used to inform their customers about introducing the inspection charge. I do not have any questions about what are the inspection charges or how you take it.

After your email reply it appears the IDBI Bank RAC Thane branch is as ignorant about the property inspection process as their customers.

I had sent the first email to your customer care and Thane branch on January 02, 2018 asking for more details and today after more than one and half months of follow up IDBI Bank do not have any answers.

You have not answered if Thane RAC does property inspection or the corporate office. This raises question - was there ever any property inspection done before charging the customers for the same?

This leaves me to think if IDBI Bank is after making fool of their customers and collecting money in name of property inspection charges without having any proper process defined.

Do you know by when your corporate office will reply back to customer queries?

-Babita Sasidharan
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From: Vijay Gokhale <[email protected]>
To: 'Babita P' <[email protected]>; [email protected]; [email protected]
Cc: 'Biju Ninan Varghese' <[email protected]>; 'Kshama' <[email protected]>; [email protected]; 'Thn customerservice' <[email protected]>; [email protected]
Sent: Tuesday, February 13, 2018 10:37 PM
Subject: RE: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear Babita Madam,

Good Morning !!!
Wrt trailing mail we submit as under ;

As rightly pointed out by you,

Ø our corporate office has issued circular on 15.11.2017, wherein property inspection charges are introduced .
Ø The charges are debited automatically by the centralised system .
Ø The communications to the customer is also made by Centralised system .

Hence RAC / branches have no role to play in this entire process .

We have sum up the queries raised by various clients & sent the same to our Product team & corporate office for their redressal .

We once again reiterate that We at RAC/Branch level are able, only to provide / reproduce the answers, as per the information/ instruction, we get from our higher offices.

Sincerely Yours,
Vijay P Gokhale,
Operations Manager - RAC Thane,
Sol ID: 821,
M- 97730 56800
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Babita P [mailto:[email protected]]
Sent: Wednesday, February 14, 2018 11:43 AM
To: Vijay Gokhale; [email protected]; [email protected]
Cc: 'Biju Ninan Varghese'; 'Kshama'; [email protected]; 'Thn customerservice'; [email protected]
Subject: Re: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Hi Vijay

From your email reply it looks like only the IDBI Bank corporate office knows what is being done under the name of "property inspection" and IDBI Bank Corporate Office is the only place to get customer questions answered.

Does this mean the IDBI Bank Thane branch that processed the loan application and disbursed the loan does not know anything about the property inspection process.

Do you know who is conducting the property inspection - IDBI Bank Thane branch or the IDBI Corprate office?

- Babita Sasidharan
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Vijay Gokhale <[email protected]>
To: 'Babita P' <[email protected]>
Cc: 'Biju Ninan Varghese' <[email protected]>; 'Kshama' <[email protected]>; [email protected]; 'Thn customerservice' <[email protected]>; [email protected]
Sent: Tuesday, February 13, 2018 9:35 PM
Subject: RE: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear Babita Madam,

Good Morning !!!

Wrt trailing mail we submit as under ;
We have raised the queries on similar lines to our corporate office .
We will be able to answer your queries, upon getting the response from them .
We at RAC/Branch level are able, only to provide / reproduce the answers, as per the information/ instruction, we get from our higher offices.

We request you to bear with us in the interim .

Sincerely Yours,
Vijay P Gokhale,
Operations Manager - RAC Thane,
Sol ID: 821,
M- 97730 56800
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Babita P [mailto:[email protected]]
Sent: Tuesday, February 13, 2018 8:46 AM
To: Kshama; [email protected]; VIJAY P GOKHALE; Thn customerservice; [email protected]
Cc: 'Biju Ninan Varghese'
Subject: Re: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Ms. Gadkari & team

This is my 2nd reminder email since 01/02/2018.
I'm still waiting to know answers to my question about the property inspection charges.

-Babita Sasidharan
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Babita P <[email protected]>
To: Kshama <[email protected]>; "[email protected]" <[email protected]>; VIJAY P GOKHALE <[email protected]>; Thn customerservice <[email protected]>
Cc: 'Biju Ninan Varghese' <[email protected]>
Sent: Wednesday, February 7, 2018 7:28 PM
Subject: Re: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Hello Ms. Gadkari & team

Could you let me know by when I can expect reply from IDBI Bank to the questions I have posted.

Rgds
Babita Sasidharan
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Kshama <[email protected]>
To: [email protected]; VIJAY P GOKHALE <[email protected]>; Thn customerservice <[email protected]>
Cc: 'Biju Ninan Varghese' <[email protected]>; [email protected]
Sent: Thursday, February 1, 2018 9:30 PM
Subject: FW: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear RAC TEAM,

Please advise customer suitably regarding the following queries raised by customer as per trail mail.

1. How does IDBI Bank do property inspection? Do you visit the homebuilding to inspect?
2. Do you prepare any report of property inspection and share with your customer?
3. On what date did IDBI Bank conduct the property inspection of my homebuilding?
4. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

सादर धन्यवाद | Thanks & Regards,
क्षमा गडकरी | Kshama Gadkari,
सहाय्यक महाप्रबंधक – शाखाधिकारी | AGM – BH,
आईडीबीआई बैंक | IDBI Bank Ltd.,
घंटाली शाखा | Thane Ghantali Branch
मोबाइल | Mobile No.: 9819138870
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Babita P [mailto:[email protected]]
Sent: Friday, February 02, 2018 10:27 AM
To: [email protected]; Thn_customerservice
Subject: Fw: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear Ms. Gadkari
Ghantali Br. Manager

For the past 1 month I have been trying to get more details about the property inspection charges that IDBI Bank is charging to their home loan customers.

I have tried calling your branch to get answers to get, details about property inspection and whoever picked up the call said I should contact customer care. I have been following with your customer care and tried submitting an online complaint but that has also not helped. Your customer care has come back with this below reply

Can you give me some clarifications on these questions about the property inspection.

1. How does IDBI Bank do property inspection? Do you visit the homebuilding to inspect?
2. Do you prepare any report of property inspection and share with your customer?
3. On what date did IDBI Bank conduct the property inspection of my homebuilding?
4. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

Below is the response I have got from your customer care.

--Babita Sasidharan
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Babita P <[email protected]>
To: thn_customerservice <[email protected]>
Cc: "[email protected]" <[email protected]>
Sent: Tuesday, January 16, 2018 11:58 AM
Subject: Re: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear IDBI Bank Customer Care

Its been 6 days now and I have not got any response on the questions I have about the property inspection done by IDBI Bank.

I'm sure IDBI Bank understands they have a responsibility and obligation to provide their customer full information about any new charges. Can you please look into this and reply me with the details asked in my email.

--Babita Patil
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Babita P <[email protected]>
To: thn_customerservice <[email protected]>
Cc: "[email protected]" <[email protected]>
Sent: Tuesday, January 9, 2018 10:23 AM
Subject: Re: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Thank You for the reply.

After reading your reply it looks like IDBI Bank has tried to inform their retail loan customers of this property inspection charges via SMS or email.

I never received any SMS or email about this charge and was not aware of it until the amount was deducted from my bank account.

To make sure that I do receive these kinds of information in future, can you please update your records to use email id: [email protected] for Loan account: 117675001147.

Please do send me a confirmation when this update is done on my account.

Also I would like to know details on these points

1. what kind of inspection is done in this under this said property inspection?
2. What all property things your people check for?
3. What is the method used by IDBI Bank for doing this property inspection?
4. Is there any report prepared before and after the property inspection?
5. Does IDBI Bank share the property inspection report with their customers?
6. Does IDBI Bank provide any receipt or statement for the property inspection charges to their customers?

If you have any official Bank document or web link with explanation to above points kindly share. It would help your customers know what they are paying for.

Thanks
Babita Patil
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: thn_customerservice <[email protected]>
To: 'Babita P' <[email protected]>
Cc: [email protected]
Sent: Tuesday, January 9, 2018 2:46 AM
Subject: RE: 'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear Sir,

Please find the attachment.

With respect to above referred communication we submit as under ;
We have referred the concerns of similar nature ( application of HL property inspection charges) to our corporate centre .
We reproduce here with the reply received from them .

“SRA Product team at Corporate Centre has been receiving queries with respect to property Inspection charges debited to existing customer’s account.

In this regard, this is to clarify that circular regarding introduction of new charges has been issued on 15th November 2017. The intimation for revision in service charges has been sent to the customers vide SMS dated 20th November 2017and Email dated 24th November 2017 for visiting our website www.idbi.com for more details, as per BCSBI norms. The details of revised charges were hosted on Bank’s website also. Once again, communication has been sent to the customers on 21st December 2017 through SMS and Email . Moreover, revision in service charges for retail loans have been displayed on the ATM screen. Please inform the customers that property inspection charges will be levied once in three years as per extant guidelines of the bank.

The charges applied to your account pertains to Property Inspection Charges, which will be levied once in three years .
The charges are debited by the centralized system .
The application of these charges are based on, our circular on Structure of Schedule of Charges for Structured Retail Asset Products Applicable w.e.f. 15th November 2017

We reproduce the relevant part of this circular, for your ready reference .

Regards,
Ops Team
Thane RAC
022-25393901/06/07
Office Hours: 10.00 AM to 4.00PM (Monday To Saturday)
2nd and 4th Saturday Holiday
All Sunday’s Holiday.
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Avilasha Bhuit [mailto:[email protected]]
Sent: 09 January 2018 14:53
To: thn_customerservice
Subject: RE:'IDBIBank=008-270-552' Re: Home Loan account 1176750011477

Dear Sir/Madam,

For your information.

Regards,
Avilasha Bhuit
Customer Care Center
IDBI Bank Ltd
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

-----Original Message-----
From: Babita P ([email protected])
Date: Friday, January 05, 2018 10:45 PM
To: thn_customerservice ([email protected]); [email protected] ([email protected])
Subject: Re: Home Loan account 1176750011477

Hello IDBI customer Care Dept.

Its been 3days and I have had no response from IDBI customer care about query I asked on money deducted from my account.

Can you please reply.

--Babita Patil
--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------

From: Babita P <[email protected]>
To: thn_customerservice <[email protected]>; "[email protected]" <[email protected]>
Sent: Tuesday, January 2, 2018 8:39 PM
Subject: Home Loan account 1176750011477

Hi

I see an ECS of Rs.708 debited from my account against the home loan on 01Jan2018.

On calling IDBI home loan branch at Thane Maharashtra I was told this is property inspection charges.

I need more some details about this property inspection. When this so called property inspection was done and what exactly IDBI bank does in a property inspection? Do you have any report of this inspection that I can see?

Please provide me receipt of this property inspection fee.

- Babita Patil
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========================================================================================================================
डिस्क्लेमर : इस ई-मेल में आईडीबीआई बैंक लि. से संबंधित विशेषाधिकार-प्राप्त सूचना या सूचना निहित है और केवल उस व्यक्ति के उपयोग के लिए निर्दिष्ट है जिसे वह प्रेषित की गई है. किसी अन्य व्यक्ति द्वारा इस मेल तक पहुंच अनधिकृत है. इसे (पूर्णत: या अंशत:) कॉपी करना या निर्दिष्ट प्राप्तकर्ता से परे इसका वितरण करना प्रतिबंधित है और गैर-कानूनी भी हो सकता है. प्राप्तकर्ता अभिस्वीकार करता है
कि आईडीबीआई बैंक लि. ई-मेल पारेषणों पर नियंत्रण रखने या उनमें निहित अंतर्वस्तुओं की अखंडता सुनिश्चित करने या उसकी गारंटी देने में असमर्थ रहा है और यह भी अभिस्वीकार करता है कि इस संदेश में व्यक्त विचार वैयक्तिक प्रेषक के विचार हैं और आईडीबीआई बैंक लि. पर आबद्धकर नहीं हैं. ई-मेल परिवर्तित किए जा सकते हैं या उनकी अखंडता की गारंटी नहीं दी जा सकती है. आईडीबीआई बैंक इस ई-मेल के कारण हु
ए किसी नुकसान के लिए कोई देयता स्वीकार नहीं करता है. यदि आपको गलती से यह ईमेल प्राप्त हो गया हो तो कृपया प्रेषक से संपर्क करें और इसे अपने कंप्यूटर से हटा दें.

Disclaimer: This e-mail contains privileged information or information belonging to IDBI Bank Ltd and is intended solely for the addressee/s. Access to this email by anyone else is unauthorized. Any copying (whole or partial) or further distribution beyond the original recipient is not intended, and may be unlawful. The recipient acknowledges that IDBI Bank Ltd is unable to exercise control or ensure or guarantee the integrity of the contents of the information contained in e-mail transmissions and further acknowledges that any views expressed in this message are those of the individual sender and are not binding on IDBI Bank Ltd. E-mails are susceptible to alteration and their integrity cannot be guaranteed. IDBI Bank Ltd does not accept any liability for any damages caused on account of this e-mail. If you have received this email in error, please contact the sender and delete the material from your computer.
=========================================================================================================================

V

vdgobi

from Delhi, Delhi

Jan 9, 2018

me too get charged rs.600 gst 54 + 54. what the reason behind this charge, are they playing with common man money.
not even prior information regarding charge.
i need my money back.
who given right to take my hard earned money, this is banking or theft.

Reply

S

shabbeer1975

from Bengaluru, Karnataka

Jan 9, 2018

I also got charge to my account without any information and customer care is not responding to either emails or phone calls. i asked for which property they have inspected and what inspection has done. why their is no communication to customers? it looks like bank is trying to make money from honest customers who are paying EMIs in time.

Reply

S

shabbeer1975

from Bengaluru, Karnataka

Jan 9, 2018

I also got charge to my account without any information and customer care is not responding to either emails or phone calls. i asked for which property they have inspected and what inspection has done. why their is no communication to customers? it looks like bank is trying to make money from honest customers who are paying EMIs in time.

Reply

L

LoveMyIndiaBro

from Mumbai, Maharashtra

Jan 11, 2018

I was also charged account id [protected] the same, GST and property inspection charges!!

Reply

N

NaveenVernekar

from Pune, Maharashtra

Jan 11, 2018

+1

My account recently debited with 708Rs in addition to regular monthly EMI. On calling IDBI bank they justified it as property verification charges. I took home loan in 2008 and I'm not sure why they are inspecting my property now and to my surpries without my consent! If bank wants to inspect my property for any reason best known to them, they can but why should they charge me for the verification that they are interested in? This is clear case of looting common man. I'm going to file case with consumer forum if I dont get this money back in my account as soon as possible.

Reply

N

nyrajiv

from Mumbai, Maharashtra

Jan 15, 2018

same with me but 708 rupees got deducted twice from my account and my home loan number is [protected] without any prior information or any consent with me and pathetic customer care is not responding to either emails or phone calls. I asked for which property they have inspected and what inspection has done. why their is no communication to customers? it looks like bank is trying to make hard earned money from honest customers who are paying EMIs in time with cutting other regular stuff. Seems like big gamble and looting money.

Reply

N

nyrajiv

from Mumbai, Maharashtra

Jan 15, 2018

same with me but 708 rupees got deducted twice from my account and my home loan number is [protected] without any prior information or any consent with me and pathetic customer care is not responding to either emails or phone calls. I asked for which property they have inspected and what inspection has done. why their is no communication to customers? it looks like bank is trying to make hard earned money from honest customers who are paying EMIs in time with cutting other regular stuff. Seems like big gamble and looting money.

Reply

B

bbishnu

from Kolkata, West Bengal

Jan 18, 2018

+1

Same with me. Bank charged Rs 600 for property inspection, Rs. 54 + Rs.54 for GST without any notice.
I pay EMI on time and never defaulted. IDBI bank is cheating on honest customers.

I have decided to pull court in this matter.

IDBI bank trying to square up their bad debts that they incurred due to thousands of crores of rupees that they gave to notorious business men, the one like now absconding Vijay Maliya.

We, innocent customers, are bearing the sins made by some other people.

Reply

J

jigish thakar

from Mumbai, Maharashtra

Feb 5, 2018

Same happened with me 600 + 54 + 54
their phone numbers arent working as awell.

Reply

S

Sasha1102

Feb 19, 2018

I have also been charged INR 600 + 54 + 54 as property inspection charges. Idbi needs to first alert the consumer. They cannot just deduct money from an account like that without any notification or proper consent. Also, the home loan was taken in 2011. So what kind of inspection are they doing now?

Reply

V

Vinay Kumar PM

from Bengaluru, Karnataka

Mar 24, 2018

I have also been charged twice INR 600+600+54+54+54+54 as property charges & GST without my notice& i asked for which property they have inspected and what inspection has done. why their is no communication to customers? it looks like bank is trying to make money from honest customers who are paying EMIs in time.

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R

regulartaxpayer

from Mumbai, Maharashtra

Mar 27, 2018

THOSE WHO HAVE BEEN CHARGED 600 + GST as property inspection charges, HERE IS THE ANSWER WHY ITS BEEN CHARGED:

All this is to recover money which Vijay Mallya looted from this banks. So now common man who pays tax on time will have to pay vijay mallya's debt.

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R

Rajas Sree

from Hyderabad, Telangana

Mar 28, 2018

There is no inspection, still they charged money. When i asked for the report, they mentioned that it can not be shared with us.

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K

Krishnna Aggarwal

from Gurgaon, Haryana

Apr 16, 2018

I have also been chagreged same.

600 + 54 + 54 =108

by IDBI BANK
LOOTING CUSTOMERS.
FRAUD BANK.

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V

vikrant001

from Mumbai, Maharashtra

Aug 1, 2018

Refer my query above. I wrote the Banking Ombusman in the month of Dec. 2017 and finally on 1st August, 2018, I got a call from IDBI bank and they assured me of reversing the charge.

Please write the Banking Ombusman and get your querty resolved.

https://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159

Vikrant Puradkar

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vikrant001's reply, Aug 1, 2018

Click on the "Complaint Form" and you can register your complaint online.

vikrant001's reply, Aug 1, 2018

write to me on [email protected], if you need any help in resolving your grievance.

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There is a quarterly deduction for sms per quarter. If india is planning for to digital and the bank is charging members for sms, basically they are taking advantage of the digitization or penalizing their customers for going digital?
This is one the banks taking advantage but there are more banks penalizing their customers for online transactions....

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Address: 560048

I have been charged 708 inr w. R. T hl property inspection charge. (Attached is the screen shot of same).

I don't understand why this charge has been incurred and what inspection has been made?
I feel charging anything without informing customer is not ethical. I have been paying all the emies on time and not in to defaulter list.

Last month i made a payment of 300000 inr towards the part payment.
I am really not at all happy, after seeing this inspection charge which i feel is unnecessary.

Please revert it back.

+1 photos

IDBI Bank customer support has been notified about the posted complaint.

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P

patul

from Mumbai, Maharashtra

Jan 6, 2018

I have also been charged Rs 708 and do not know what this is about. I was not informed of these charges.

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R

rupeshsah

from Delhi, Delhi

Jan 11, 2018

I have also been charged Rs 708 and not been informed about that. This is really unethical. I also want to know what action they do for this type of charges.

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D

debchand

from Kolkata, West Bengal

Jan 11, 2018

I have also been charged Rs 708 as property inspection charge .No idea what is it all about. IDBI bank should have the courtesy to inform the customer about it. Really pathetic service.
D Chand

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T

Tikupatil

from Pune, Maharashtra

Jan 25, 2018

same happen here..I have been charged 1180 & GST is different .its really annoying...I am thinking switch it to other bank

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K

Krishnna Aggarwal

from Gurgaon, Haryana

Jan 25, 2018

Third class bank IDBI has now resorted to cheating the customers in completely unethical way.
This third class bank has fraudulently charged Rs.600 + 54 + 54 Rs. without no information and discussion at all.
I want my money back ASAP.

Is RBI Sleeping ? Govt is also sleeping .

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V

vikrant001

from Mumbai, Maharashtra

Aug 1, 2018

Same with me. And I decided to teach IDBI a good lesson.

I wrote the Banking Ombusman in the month of Dec. 2017 and finally in the month of July 2018, I got a call from IDBI bank and they assured me of reversing the charge.

Please write to the Banking Ombusman and get your querty resolved.

https://www.rbi.org.in/Scripts/bs_viewcontent.aspx?Id=159

Under the head "Complaint Form", you can raise your querty online and am sure you will get your money back.

Vikrant Puradkar

Reply

vikrant001's reply, Aug 1, 2018

write to me on [email protected], if you need any help in resolving your grievance.

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Address: 160059

My idbi. Id 75552933

Branch name: mohali

Ifsc code / micr code / branch code
Ibkl0000020 /[protected] / 000020
Adress: phase 3b-2, scf 58, 160059

Name:sandeep kumar

Please find the attachment file.

I have booked ticket cdg to mb on 24/12/17. Ticket is not booked but payment is debit now.

Payment debit to 24/12/17 on visa-pos/irctc noida in

Bank not transfer my money

Irctc refund my money on

Refund date : 27-dec-2017,
Refund id :[protected]
Refund arn no. : 74332747361736099827521,
Refund amount : 902.66
Last 4 digit card no : 2537

I'm already waiting 10 days please refund my money

Warm regards,
Sandeep kumar

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On 2nd November I had foreclosed some part (INR 2 Lakhs)of housing loan with Account number [protected] with Cheque number 215880 drawn on ICICI Bank, Pune. The amount is shown as received but by EMI had not been reduced as requested. For the last 2 months, I have been talking to Mr Shiv Kumar Behra and Mr Amaresh saha of Parkstreet Branch but these gentlemen had not done anything based on my request. Every moment I hear from them that it will be done but there is no change.

Is this how your bank works or is this way you behave with your customer

IDBI Bank Complaints & Reviews

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upi

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property inspection charge

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deduction of money from my account

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poor customer support

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idbi bank idbi bank looting money from common people

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upi service is not permitted in my account

home loan inspection charges

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atm withdrawal discrepancy

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forcibly levied hl property inspection charges and no inspection has been done

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negligence

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inspection charges deduction from saving account

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property inspection charges

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penal charges on my account

hl inspection charge

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hl property inspection charge

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sms charges per quarter

regarding hl property inspection charge!!

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payment debit no refund

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emi reduction

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IDBI Bank Complaints & Reviews

File a complaint to IDBI Bank

IDBI Bank reviews & complaints page 50

about customer service

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upi

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property inspection charge

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deduction of money from my account

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poor customer support

Post your Comment

idbi bank idbi bank looting money from common people

Post your Comment

upi service is not permitted in my account

home loan inspection charges

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atm withdrawal discrepancy

Post your Comment

forcibly levied hl property inspection charges and no inspection has been done

Post your Comment

negligence

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inspection charges deduction from saving account

Post your Comment

property inspection charges

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penal charges on my account

hl inspection charge

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hl property inspection charge

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sms charges per quarter

regarding hl property inspection charge!!

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payment debit no refund

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emi reduction

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