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IndusInd Bank Complaints & Reviews

3.1
Updated: Jul 13, 2026
Complaints 2203
Resolved
1322
Unresolved
881
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IndusInd Bank reviews & complaints page 20

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S
Sheela VM
Feb 21, 2022
Resolved
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Resolved

Address: Mumbai

I have loan from IDFC and EMI deduct from Induslnd bank on 2 of every month i always add money on 1st of every month and emi will deduct on 2nd after deduct emi Induslnd bank charging me ECS on my loan and diducted every month 590 when i ask customer care they don't have any solution and always say you didn't paid one time EMI ...after i show them one time payment detail... then they will say we are taking a comp-lent and you will get refund within 2 days but same thing will happens every month and i didn't get any refund on my amount till date ... i have add money for hospital bill and this bank deduct my all amount i lost my 6 to 7K from this bank
Mar 29, 2022
Complaint marked as Resolved 
IndusInd Bank customer support has been notified about the posted complaint.
Verified Support
Feb 26, 2022
IndusInd Bank Customer Care's response
We regret the inconvenience caused. Please DM us your contact details or Request Number and allow us some time to get back to you with an appropriate resolution. Call [protected] for immediate assistance or email [protected]@indusind.com
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    B
    Biks Chewang
    Feb 19, 2022
    Resolved
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    Resolved

    Address: Siliguri

    Hello,
    I have already cleared all my loans and still haven’t yet received my NOC from the bank.
    I request you to please help me with it.
    Thankyou
    My details: MANU BISWAKARMA
    CAR : wangonr vxi
    Vchl no: wb74AN6371
    Mar 29, 2022
    Complaint marked as Resolved 
    IndusInd Bank customer support has been notified about the posted complaint.
    Verified Support
    Feb 26, 2022
    IndusInd Bank Customer Care's response
    We regret the inconvenience caused. Request you to DM us your contact details or write to us at [protected]@indusind.com to enable us to assist you.
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      S
      shailanjagtap
      from Nashik, Maharashtra
      Feb 12, 2022
      Resolved
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      Resolved

      Address: A/P -wadivarhe Tal - igatpuri,Dist - Nashik

      For credit card update, on 11/02/2022, 05:07:04 PM, there was a call from the fraudulent number [protected] as IndusInd Bank, after which 59, 590 / - was deducted from the credit card.
      Mar 20, 2022
      Complaint marked as Resolved 
      IndusInd Bank customer support has been notified about the posted complaint.
      Feb 12, 2022
      Updated by shailanjagtap
      For credit card update, on 11/02/2022, 05:07:04 PM, there was a call from the fraudulent number [protected] as IndusInd Bank, after which 59, 590 / - was deducted from the credit card.

      Feb 12, 2022
      Updated by shailanjagtap
      For credit card update, on 11/02/2022, 05:07:04 PM, there was a call from the fraudulent number [protected] as IndusInd Bank, after which 59, 590 / - was deducted from the credit card.

      Verified Support
      Feb 17, 2022
      IndusInd Bank Customer Care's response
      Dear Customer,
      We regret the inconvenience caused to your banking experience. To further investigate the matter, please share your contact details with us at [protected]@indusind.com and our team will get in touch with you at the earliest.
      Regards,
      Team Indusind
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        C
        Chintub
        Feb 12, 2022
        Resolved
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        Resolved

        Reflecting suit filed in my cbil. I haven't taken any loan in indusin bank
        Mar 19, 2022
        Complaint marked as Resolved 
        IndusInd Bank customer support has been notified about the posted complaint.
        Verified Support
        Feb 16, 2022
        IndusInd Bank Customer Care's response
        We request you to please share your detailed concern at [protected]@indusind.com and allow us some time to get back to you with an appropriate resolution. You may call [protected] for immediate assistance.
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          A
          Arjuni Das
          Feb 10, 2022
          Resolved
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          Resolved

          Address: Silchar

          It has been more then 4 months since I bought my bike through induslnd Bank. But till date the auto debit procedure is not yet completed. They took all the relevant documents like cheque, account details and others. What is this service for just to hassle the customers or what. Such a worst service provided by this company. Then what is the need of service charge which I have paid. Refund that amount. Shut such bad company. D grade bank with d grade service. My contact number [protected]
          Mar 15, 2022
          Complaint marked as Resolved 
          IndusInd Bank customer support has been notified about the posted complaint.
          Verified Support
          Feb 12, 2022
          IndusInd Bank Customer Care's response
          We regret the inconvenience caused to your banking experience. The attachment sent by you is not clear.
          Please mail us below details at [protected]@indusind.com for further assistance:

          Complete Loan Account number:
          Name:
          Registered Number:
          Address along with City:
          Loan amount:
          Emi Amount:
          Vehicle No.:
          Engine No.:
          Engine Chassis No.:
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            S
            ssssnair2019
            from PEN, Maharashtra
            Feb 8, 2022
            Resolved
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            Resolved

            Dear Sir,
            My brother (Mr. Vijay Kumar Nair) took a 3 vehicle loan from Indus Ind bank. Unfortunate his sad demise happened on 10.12.2020. After that, I Suresh Nair, brother of Mr. Vijay Kumar Nair approached bank to settle the loan account. Subsequently, they have agreed to settle, but they have taken amount over and above the actual EMI to be paid. I continuously following for the clarification for total loan amount, total settled amount, total waiver amount, total interest amount etc. etc. it is noticed that bank is not giving proper explanation and recovered from us is more than actual EMI to be paid. As far as informed matter with concerned manager but he is completely not co-operating and not giving the clarifications on the settlement of Loan.

            Thanks
            Suresh Nair
            + 91 [protected]
            Mar 15, 2022
            Complaint marked as Resolved 
            IndusInd Bank customer support has been notified about the posted complaint.
            Verified Support
            Feb 12, 2022
            IndusInd Bank Customer Care's response
            We wish to inform you that our team is working on your concern vide interaction ID: 17912054. Request your co-operation in the interim.
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              S
              sandesh blore
              from Bengaluru, Karnataka
              Feb 6, 2022
              Resolved
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              Resolved

              Address: bangalore

              On 4th of January 2022 due to default in the security system of indusind bank my credit card was swiped by an unknown mode and as soon as I was aware about the incident I had informed the customer care of the Indus ind bank and had made them blocked my card .
              On 5th of January 2022 again there was moment of transaction within 24 hours inspite of blocking the usage of the card and again i called the customer care and they had informed me to raise a complaint in police station and Indus ind customer care only told me that my mobile number has been hacked so I don't have to make any payments and i have call recordings and card blocked mesages on 4th jan 2022 as my proof its due to Indusind bank weak security system i had to face lot of trouble
              I had filed a police case on 6th of January 2022
              Now due to regular harassment from the Indusind Bank customer care i have decided to file a case in protection of my consumer rights against the bank

              every day phone harassment from collection department to pay out standing amount please solve the problem as soon as possible when i blocked the card on 4th jan 2022without my intimation or with out my new card dispached how can i do one more transaction on 5th jan 2022 please solve this problem as soon as possible
              Mar 16, 2022
              Complaint marked as Resolved 
              IndusInd Bank customer support has been notified about the posted complaint.
              Verified Support
              Feb 12, 2022
              IndusInd Bank Customer Care's response
              We request you to provide us with the following documents to enable us to assist you further:- 

              You may send the completely filled and signed dispute form along with the required documents by one of the following modes.

              1. Fax on[protected]  

              2. Post to: 

               IndusInd Bank,  
               P O Box 9421,  
               Chakala MIDC,  
               Andheri (East),  
               Mumbai - 400 093. 

              3. Scan to premium.[protected]@indusind.com / priority.[protected]@indusind.com / cards.[protected]@indusind.com. 

              On receipt of the dispute form, we will investigate the disputed transaction and respond to you on completion of our review. Please note that (add as appropriate)a swipe transaction can be disputed within 75 days from the date of the transaction / an Internet transaction can be disputed within 90 days from the date of the transaction.

              We request you to kindly refer the below link to get the dispute form. 

              https://www.indusind.com/in/en/personal/form-center.html 
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                P
                pspandit2
                from Indore, Madhya Pradesh
                Feb 5, 2022
                Resolved
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                Resolved

                Sir,
                I had completed my finance amount.
                and want my noc letter.
                i am not able to contact any bank person.
                so please issue my noc letter
                Bike NO. MP09QZ5498
                Dharmendra Pal
                MOb. [protected]
                Loan Account Number -
                Name - DHARMENDRA PAL
                Vehicle Registration Number - MP09QZ5498
                Engine Number - MBLHA7151H4B01705
                Chassis Number - HA11EMH4B01900
                Location - iNDORE
                and i am unable to find my loan account number,
                but i had given mob. [protected] in loan a/c no.
                cont. no. [protected]
                aadhar[protected]
                Mar 18, 2022
                Complaint marked as Resolved 
                IndusInd Bank customer support has been notified about the posted complaint.
                Verified Support
                Feb 12, 2022
                IndusInd Bank Customer Care's response
                We wish to inform you that our team is working on your concern vide interaction ID: 17913098. Request your co-operation in the interim.
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                  K
                  kashyapsanitation
                  Feb 3, 2022
                  Resolved
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                  Resolved

                  Address: induslnd bank feroz gandhi market ludhiana punjab

                  There is property loan running with Induslnd bank ludhiana punjab which we wanted to pay off ..as we r selling that property, Induslnd bank is charging 4% charge on the loan by saying that Rbi issued new rule of which no prior information was provided by the bank . we were requesting from past 3 month for the forcloser we did n't get any update . their employee named richa khatri offered us tht if we will nt close the loan they will reduced our interest rate so we refused that .
                  Than we received call from the bank that if we pay our last month installment as we did'nt pay as we were not getting any response from bank regarding the forcloser at that time mr amit kumar from the branch call n offer us that they will waived our 4%chargesof pre payment of loan charges bt we recieved call today from the bank from the same person he inform us that the charges will nt removed we have to pay that chages n the rules is isued by rbi they were sending us their apology for delay response only
                  please help us on this topic as soon as possible lap no is PLE00461N
                  PLE00924N
                  they have giving forcloser date till 5 th of febuary to pay off our loan amount otherwise they will add other panelties
                  from amul kashyap
                  ph no.[protected]
                  email [protected]@gmail.com
                  Mar 10, 2022
                  Complaint marked as Resolved 
                  IndusInd Bank customer support has been notified about the posted complaint.
                  Feb 03, 2022
                  Updated by kashyapsanitation
                  waiver of pre payment of loan charges
                  amul kashyap
                  ph no:[protected]
                  email id :[protected]@gmail.com
                  Verified Support
                  Feb 06, 2022
                  IndusInd Bank Customer Care's response
                  Please be assured that we are looking into the issue and will respond to you with reference number 17597139
                  Respected Sir this is the
                  Reference number 17597139 given to me by indusind bank.but no action been taken by the bank.im still waiting for this.
                  Please help me.
                  From Kashyap Sanitations
                  Amul Kashyap
                  [protected]
                  [protected]@gmail.com
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                    M
                    Manish tharwani
                    from Bilaspur, Uttar Pradesh
                    Feb 2, 2022
                    Resolved
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                    Resolved

                    Address: PARAGHAT TOLL PLAZA, AKALTARA, CHHATTISGARH

                    I have 4 commercial vehicles which all are same, at paraghat toll plaza my vehicles cross daily which charges 110/- one of my vehicle facing issue the toll plaza deducts extra charges daily on 1 of my vehicle the vehicle no. Is CG10AJ1377, the toll plaza charges are 110/- but rather than they charge 225/- daily, I have registered complain so many times but I can't getting any response from bank and toll plaza
                    Mar 10, 2022
                    Complaint marked as Resolved 
                    IndusInd Bank customer support has been notified about the posted complaint.
                    Feb 02, 2022
                    Updated by Manish tharwani
                    Please settle my problem
                    Feb 02, 2022
                    Updated by Manish tharwani
                    Daily they charging me double

                    Verified Support
                    Feb 07, 2022
                    IndusInd Bank Customer Care's response
                    Dear Customer,

                    We request you to please share us your contact number along with below details to us at [protected]@indusind.com and allow us some time to get back to you with an appropriate resolution. You may call [protected] for immediate assistance.

                    1) Fast Tag Number
                    2) Complaint Service Reference Number

                    Regards,
                    Team IndusInd Bank
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                      B
                      Boiena Shiva Kumar Yadav
                      Feb 1, 2022
                      Resolved
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                      Resolved

                      Cleared car Loan in the year 2019 .
                      Car number AP36AP8325.
                      Please need updated NOC.
                      Phone number [protected]
                      Mar 11, 2022
                      Complaint marked as Resolved 
                      IndusInd Bank customer support has been notified about the posted complaint.
                      Verified Support
                      Feb 04, 2022
                      IndusInd Bank Customer Care's response
                      Dear Customer,

                      As per our discussion, we request you to visit the below branch and place the request for duplicate NOC:

                      INDUSIND BANK LIMITED D.NO.6-4-29&30,
                      GANAPATHI PLAZA, FIRST FLOOR, OPP. MARKAZI SCHOOL,
                      LASHKAR BAZAAR, HANAMKONDA,
                      WARANGAL 506 001

                      Regards,
                      Team IndusInd Bank
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                        S
                        shivanishivanichugh846@
                        Feb 1, 2022
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                        Address: hm 8, phase 4, mohali

                        I am shivani from icici branch..by mistake i send my money to this bank on December 25, 2022 and i raised a complaint for the same...it has been 41 days, , , they are harassing me continuously.. even the beneficiary gave the authorization letter to the bank for the same still they are just doing nothing, , ., , thats how this bank works...one of the worst bank, , whether its icici or indusind they know well how to harass the customers well ..they just wait for the customer to take a legal actions, i have wasted 41 days...dont trust these bank, ., , they are thief..
                        IndusInd Bank customer support has been notified about the posted complaint.
                        Verified Support
                        Feb 03, 2022
                        IndusInd Bank Customer Care's response
                        Dear Customer,

                        We request you to contact your bank where you hold an account and register a complaint. Your Bank in turn will raise a dispute on your behalf and will co-ordinate accordingly.

                        Regards,
                        Team IndusInd Bank
                        Feb 04, 2022
                        Updated by shivanishivanichugh846@
                        It has already been raised and indusind bank has already forwarded my request for approval as the beneficiary has already given the consent letter
                        Feb 04, 2022
                        Updated by shivanishivanichugh846@
                        But even after getting authorization letter from beneficiary I still have not received my amount.my bank is asking for reference number
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                          A
                          Ashok Gowd
                          Jan 31, 2022
                          Resolved
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                          Resolved

                          Address: Nellore andhra pradesh

                          Sir
                          good evening
                          This is Ashok iam old customer of your bank since 2009 iam refered more than 10 people for your bank i have to purchase honda active in your vehicle loan department 03.03.2020 Nellore branch Andhra Pradesh loan account number ANJ06565H. iam decided to close my vehicle loan 11.08.2020 that time contact to your bank your back people finalize the amount and given one detailed slip same day I have to clear amount in DD mode your bank accounts people given payment silp your people saying contact to after one month they are provided NoC I have to contact your bank 15.10.2021 your people saying your loan account closed documents not uploaded in my system I have to contact manager that person saying server down I will check after some time after 10 days manger called to me in your loan account 600/- pending shown then again I will contact to your bank 27.10.2021 paying balance showing amount again today 31.01.2022 I will contact your bank but till now noc not received your bank people saying waiting for some days they are saying hologram not generate irresponsible answer iam very disappoint your bank services again I never refered to your bank for any coustomer
                          Thanking you
                          Mar 10, 2022
                          Complaint marked as Resolved 
                          IndusInd Bank customer support has been notified about the posted complaint.
                          Verified Support
                          Feb 03, 2022
                          IndusInd Bank Customer Care's response
                          Request you to share us the contact details along with vehicle loan details at [protected]@indusind.com to enable us to assist you further.
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                            V
                            vaibhavagarwal2
                            from Delhi, Delhi
                            Jan 31, 2022
                            Resolved
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                            Resolved

                            I Am NRI customer holding NRI exclusive account and raised request on 10th Dec 2021 to upgrade the account to Pioneer upon confirmation from relationship manager that account meets eligibility criteria however the request is still not completed in spite of multiple chasers.

                            My account number is[protected].
                            Mar 6, 2022
                            Complaint marked as Resolved 
                            IndusInd Bank customer support has been notified about the posted complaint.
                            Verified Support
                            Feb 03, 2022
                            IndusInd Bank Customer Care's response
                            Dear Customer,

                            We wish to inform you that our Nodal team is working on your concern vide interaction 17480339. Please allow us some time to get back to you with an appropriate resolution.

                            Regards,
                            Team IndusInd Bank
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                              J
                              jyotimalviya
                              from VARANASI, Uttar Pradesh
                              Jan 31, 2022
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                              Address: IndusInd Bank, D-59/105-67, CHANDRIKA NAGAR COLONY, SIGRA, VARANASI-221010

                              Amount paid ( Rs. 910.00) to IndusInd Bank credit card through Paytm Credit card payment (UPI Ref No:[protected] Order ID: [protected] dated 13th Jan, 2022 at 09:03PM.
                              Amount paid ( Rs. 1399.00) to IndusInd Bank credit card through Paytm Credit card payment (UPI Ref No:[protected] Order ID: [protected] dated 16th Jan, 2022 at 06:20PM.

                              My banker, SBI confirmed third party transfer of Rs. 910.00 vide their transaction id UPI/DR/[protected]/Paytm/Cr/PYTM/[protected]@/Oid17 dated 13.01.2022 AND
                              UPI/DR/[protected]/Paytm/Cr/PYTM/[protected]@/Oid17 dated 16.01.2022 respectively.
                              My concern is even after a laps of 15 days, IndusInd Bank not confirming the credit of both amount mentioned above and not even ready to listen my querries through their customer connect or online.
                              IndusInd Bank customer support has been notified about the posted complaint.
                              Verified Support
                              Feb 03, 2022
                              IndusInd Bank Customer Care's response
                              Our apologies. Request you to DM us your contact details or write to us at [protected]@indusind.com for us to assist you.
                              Feb 04, 2022
                              Updated by jyotimalviya
                              Mrs. Jyoti Pandey,
                              [protected]
                              Feb 08, 2022
                              Updated by jyotimalviya
                              Amount paid ( Rs. 910.00) to IndusInd Bank credit card through Paytm Credit card payment (UPI Ref No:[protected] Order ID: [protected] dated 13th Jan, 2022 at 09:03PM.
                              Amount paid ( Rs. 1399.00) to IndusInd Bank credit card through Paytm Credit card payment (UPI Ref No:[protected] Order ID: [protected] dated 16th Jan, 2022 at 06:20PM.

                              My banker, SBI confirmed third party transfer of Rs. 910.00 vide their transaction id UPI/DR/[protected]/Paytm/Cr/PYTM/[protected]@/Oid17 dated 13.01.2022 AND
                              UPI/DR/[protected]/Paytm/Cr/PYTM/[protected]@/Oid17 dated 16.01.2022 respectively.
                              My concern is even after a laps of 15 days, IndusInd Bank not confirming the credit of both amount mentioned above and not even ready to listen my querries through their customer connect or online.
                              Mrs. Jyoti Malviya,
                              [protected]
                              Mar 23, 2022
                              Updated by jyotimalviya
                              despite elapsing more than a month no solution is given or refund the amount debited from my account. please update
                              Mrs. Jyoti Malviya,
                              [protected]
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                                S
                                sumit143143
                                from Ahmedabad, Gujarat
                                Jan 31, 2022
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                                I applied for personal loan from bankBazaar online.
                                I signed agreement Documents submitted cheques.
                                Even after 8days my loan is not disbursed from INDUSIND Bank .

                                Reference no::17463549

                                I mailed multiple times but no response no proper solution . Why this bank is too irritating with their own slow process.

                                No proper solution, no customer satisfaction, no customer support.

                                Very very pathetic and worsted experience I got from INDUSIND Bank .
                                IndusInd Bank customer support has been notified about the posted complaint.
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                                  S
                                  sumit143143
                                  from Ahmedabad, Gujarat
                                  Jan 30, 2022
                                  Resolved
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                                  Resolved

                                  Website: www.induslndbank .com

                                  I applied for personal loan from bankBazaar online.

                                  Loan has been approved . On 27th 2022. I signed agreement and submitted cheques name of IndusInd Bank. They told me I will receive amount in 24hr.

                                  But it's more than 3 days I not received loan amount in my bank account.

                                  No proper update form bank
                                  Mar 6, 2022
                                  Complaint marked as Resolved 
                                  IndusInd Bank customer support has been notified about the posted complaint.
                                  Verified Support
                                  Feb 03, 2022
                                  IndusInd Bank Customer Care's response
                                  Dear Customer,

                                  We request you to please share us the below details or write to us at [protected]@indusind.com to enable us to assist you further.

                                  1) Mobile Number
                                  2) Date of application
                                  3) Request Number if any

                                  Regards,
                                  Team IndusInd Bank
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                                    L
                                    LaxmiJ
                                    Jan 29, 2022
                                    Resolved
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                                    Resolved

                                    Respected sir, I cleared my car loan in August 2021, but I didn't get my NOC yet.
                                    My car loan account details,
                                    Name:Janapareddy Laxmi,
                                    Loan account number: ATT04375C.

                                    Please do the needful.

                                    Regards,
                                    J.laxmi.
                                    Mar 10, 2022
                                    Complaint marked as Resolved 
                                    IndusInd Bank customer support has been notified about the posted complaint.
                                    Verified Support
                                    Feb 03, 2022
                                    IndusInd Bank Customer Care's response
                                    Request you to share us the contact details along with vehicle loan details at [protected]@indusind.com to enable us to assist you further.
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                                      J
                                      jincy28
                                      Jan 22, 2022
                                      Resolved
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                                      Resolved

                                      Address: palarivattom,kerala

                                      Dear sir,

                                      I have a savings account in indusind bank
                                      my account number is[protected]
                                      ifsc code INDB0000760

                                      Today(22.01.2022) my account has been debited 189/-rs for non-maintenance in December 2021. but in December I keep 10000/- rupees in my account. every time I met the same issue with this IndusInd account. am using this bank account for my financial purposes. I want to know which date you calculated as the month-end? in my calendar that month-end date is 30 or 31st. I want the explanation of bank deducted money in the name of non-maintenance. and every time you take the amount Saturday. Sunday is the bank, Holliday. so the consumer does not come to the bank and complaint about this.
                                      and another thing this bank has no proper customer service. the consumer never gets customer support.
                                      I know you read this. I want to tell you one more thing. am not a rich person to give every month cash to this bank for the only reason I took a bank account in your bank.
                                      so please resolve my issue and I want a refund. not only this. the previous two.
                                      [protected] is my contact number. please call me. I can't take the screenshot of deduction.so please check it and do need full

                                      yours faithfully
                                      noushad
                                      Mar 4, 2022
                                      Complaint marked as Resolved 
                                      IndusInd Bank customer support has been notified about the posted complaint.
                                      Verified Support
                                      Feb 01, 2022
                                      IndusInd Bank Customer Care's response
                                      Dear Customer,

                                      We wish to inform you that you are currently holding INDUS PRIVILEGE account with Average Monthly Balance requirement of INR 10, 000/-.

                                      Further, we would like to inform you that Non Maintence charges for the month of December 2021 have been levied on your account as the minimum balance criteria was not met as per the Schedule of Charges for your account.

                                      Please click on the link below for the Schedule of Charges for your account:

                                      https://www.indusind.com/content/dam/indusind-corporate/schedule-of-charges/savings-account/SoC-Non-comfort.pdf

                                      For any clarification, request you to please call our phone banking service at [protected] for immediate assistance or email [protected]@indusind.com

                                      Regards, Team IndusInd Bank
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                                        pspandit2
                                        from Indore, Madhya Pradesh
                                        Jan 19, 2022
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                                        Sir,
                                        I had completed my finance amount.
                                        and want my noc letter.
                                        i am not able to contact any bank person.
                                        so please issue my noc letter
                                        Bike NO. MP09QZ5498
                                        Dharmendra Pal
                                        MOb. [protected]
                                        IndusInd Bank customer support has been notified about the posted complaint.
                                        Verified Support
                                        Jan 21, 2022
                                        IndusInd Bank Customer Care's response
                                        We request you to kindly provide the below details at [protected]@indusind.com to enable us to assist you .
                                        1. Loan Account Number
                                        2. Vehicle Registration Number
                                        3. Engine Number
                                        4. Chassis Number
                                        5. Location
                                        Jan 21, 2022
                                        Updated by pspandit2
                                        Loan Account Number -
                                        Name - DHARMENDRA PAL
                                        Vehicle Registration Number - MP09QZ5498
                                        Engine Number - MBLHA7151H4B01705
                                        Chassis Number - HA11EMH4B01900
                                        Location - iNDORE
                                        Jan 21, 2022
                                        Updated by pspandit2
                                        and i am unable to find my loan account number,
                                        but i had given mob. [protected] in loan a/c no.
                                        cont. no. [protected]
                                        aadhar[protected]
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