How to Check Car Loan Account in Sbi
State Bank of India Car Loan Customer Care
State Bank of India 24*7 customer care toll-free number for all general enquiries is 1800 425 3800 .
State bank of India is the largest bank in the country and also has the largest international presence among all other Indian banks. SBI has a host of products and services that the customers across the globe can avail like loans, digital banking, government schemes, credit cards, debit cards, prepaid cards, virtual cards, international banking, insurance, deposits and much more.
SBI car loans are the most favored car loans in the market as they are the most affordable and quickest among many other attractive features. The bank has a variety of car loans tailor made to suit the particular needs of the borrowers and thus giving them the most efficient financing options in the market to fulfill their needs or desires to own a vehicle.
What is the SBI Car Loan Customer Care?
State Bank of India has a very efficient customer care service to take care of all the customer needs and queries as well as their complaints and feedback. The customers can contact the customer care service anytime as it is available 24x7 and has well trained and supportive customer care executives to assist the customers with any transactions or requests or queries that they may have. The following are the channels to contact the customer care of the bank.
- Toll free number – 1800 11 2211 / 1800 425 3800
- Toll number - 080 26599990
Apart from the above numbers, the bank also has an SMS service that the customers can use to immediately register their displeasure regarding any service or personnel or any other query or complaint of the bank. The customers have to simply send the SMS 'UNHAPPY' to 8008 202020.
The bank also has a unique missed call banking services called SBI QUICK for immediate banking assistance relating to account services (balance enquiry, mini statement, e-statement, etc.), ATM card related services, getting the product details of the bank, information on the PM social security schemes, registration/deregistration from such services. Customers can download the SBI QUICK application from any android, Windows, iOS or Blackberry phone and avail of this service. Once the app is downloaded, a constant internet connection is not required as the communication will be carried out via SMS or missed call. Customers can register their mobile number with the app and use it to get various services offered.
Among the above many missed call services of the bank is also the product related information that the customers can get by sending an SMS 'HOME' or 'CAR' to 09223588888 and get the details of the latest features of the home loan or car loan respectively.
The other point of contact for the customers in writing to the Customer Service Department at the following address,
- Postal address - Customer Service Department
State Bank of India
State Bank Bhavan, 16th Floor
Madam Cama Road,
Mumbai 400 021
Tel: 022-22029456 - Email Id – customercare[at]sbi[dot]co[dot]in
The bank has separate customer care numbers for the international customers to contact the bank for any assistance or information that they may need about any of the products and services of the bank as well as to register their complaint/ grievances that they may have.
Following are the country wise contact details of the customer care of the bank:
Details of SBI Car Loan
SBI offers a variety of car loans to the customers at the most affordable rates and the lowest EMIs in the market. These loans are tailor made to suit the exact need of the applicant and thus are among the most sought after loans in the market.
SBI Car Loans include the following types of Car loans,
- SBI New Car Loan Scheme
- SBI Assured Car Loan Scheme
- SBI Green Car Loan Scheme
- SBI Loyalty Car Loan Scheme
- SBI Car Loan Lite Scheme.
The eligibility across all the car loan schemes of the bank is consistent. The minimum age requirement is 21 years whereas the maximum age (at the time of maturity of the loan) is 67 years.
The categories of the persons eligible for such loans are,
- Permanent /regular employees of Central Public sector Enterprises, Defense Salary Package, Para Military Salary package, Indian Coast Guard package Customers and Short Commissioned Officers of various Defense establishments, having a net annual income of Rs.3,00,000 at least (Including Co-applicant if any)
- Professionals, self-employed businessmen, proprietary/partnership firms and others who are IT assesses having net profit or gross taxable income of minimum Rs. 3,00,000 (including income of co-applicant if any)
- Persons engaged in agricultural and allied activities having net annual income of minimum Rs. 4,00,000 (including income of co-applicant if any).
The maximum loan amount in case of each category of the above individuals is given below,
- 48 times of the monthly income of the applicants
- 4 times the Net Profit of the gross taxable income as per the IT records. This gross taxable income is derived after adding back the depreciation and repaying all the existing loans.
- The maximum loan disbursable is the 3 times of the net annual income of the applicable.
The key features of the various types of car schemes are available below.
| Category | Purpose | Tenure | Amount of finance | Other features |
|---|---|---|---|---|
| SBI New Car Loan Scheme | New passenger cars, MUVs, SUVs | 7 years | 90% on road price (including registration, insurance, extended warranty/total service package/AMC/Cost of Accessories | Lowest rate of Interest and EMI. SBI Life Insurance Cover can be availed (optional) ROI calculated on reducing balance. Rate of Interest – 8.65% to 9.35% |
| SBI Assured Car Loan Scheme | New passenger cars, MUVs, SUVs | 3 years – 7 years (borrower's choice) | Minimum loan amount – Rs. 2,00,000; Maximum – No Upper Limit | 100% of FD for On road price required as margin. Minimum age -18 years (no upper limit) EMI/NMI ratio is not applicable in this case. Rate of Interest – 8.65% to 9.35% |
| SBI Green Car Loan | For purchase of Electric cars | Minimum- 3 years; Maximum- 8 years | As per the general eligibility mentioned in I, II, III above. | Margin – Up to 90% of on-road price Rate of Interest - Concession of 20BPs is available on the applicable interest rate for normal car loan across all categories of eligible customers. |
| SBI Certified Pre-Owned car Loans | Pre-owned (used/old) car, (age of vehicle not over 8 years) | 8 years minus age of vehicle Maximum 5 years | Minimum – Rs. 3,00,000; Maximum – Rs. 10,00,000 | EMI/NMI will depend on the net annual income- Up to Rs. 5,00,000- 50% Above Rs. 10,00,000 – 70% Rate of Interest – 11%to 12% |
| SBI Loyalty Car Loan Scheme | New passenger cars, MUVs, SUVs | 7 years | Maximum loan amount - Lowest of A), B) and C).
| No-prepayment penalty. Minimum Net Annual Income – Rs 2,00,000 (including income of co-applicant, if any.) No Margin Requirement (100% Finance Available based on On-Road price) EMI/NMI ratio as per applicable car loan scheme. |
| SBI Car Loan Lite Scheme | To assist the Eligible borrowers having income but no proof of income | 5 years | 75% of On-Road Price with a maximum amount of Rs. 4,00,000 | 25% Margin required. Rate of interest – 11.10% to 12.10% |
| Super Bike Loan Scheme | Assist the borrowers in purchase of new bikes | 5 years | Up to 90% funding for Salary package/HNI/Wealth Customers, Maximum – Rs. 2,50,000 | Margin requirement – 15% of Ex-Showroom Price. Rate of Interest – 11.35% |
| SBI Two Wheeler Loan Scheme | Purchase of Two wheelers (mopeds, scooters, motorcycles, battery operated two-wheelers of reputed make | 3 years | Minimum – Rs. 30,000, maximum – less than Rs. 2,50,000 For salaried class – maximum Loan – 6 times of Net monthly income (NMI) For others – 50% of Net annual income as per ITR after considering Depreciation and repaying existing loans | Margin – 25% of On-Road price Minimum NMI – Rs. 12,500 Minimum Net annual Income – Rs. 1,50,000. Rate of Interest – 17.15% |
Customers can approach the bank's nearest branch or the customer care service for other details like the documents required, processing charges, other hidden charges or any other information pertaining to the loans that they may need.
Grievance Redressal/Feedback
The bank has an extensive grievance redressal policy to deal with any kind of grievances/issues faced by the customer and resolve them in the efficient manner in minimum possible time. The details of the grievance redressal policy of the bank are given below.
- Customers can contact the customer care or the branch of the bank directly to register or report about any of the issues or grievances that they may have. This is the first point of contact for the customers as per the bank's grievance redressal policy. The bank strives to resolve the grievance so raised in a maximum of 3 weeks including all and any escalation used by the customer. At the first stage of the complaint registration with the customer care or the branch manager, the customers can expect an answer within 10 days of registering the complaint.
- The next level of escalation is to raise the complaint with the Zonal Head Office. The reply is expected within 5 days of such escalation. The contact details of the Local Head Offices are provided here:
| Local Head Office | Address | Telephone | |
|---|---|---|---|
| AHMEDABAD (State of Gujarat & Union Territories of Daman and Dadra & Nagar Haveli) | General Manager | (079) 25510883 , 25506648, 25506050 | agmcustomer[dot]lhoahm[at]sbi[dot]co[dot]in |
| AMARAVATI | State Bank of India, | (040) 23387435 , 23387727 | agmcustomer[dot]lhoand[at]sbi[dot]co[dot]in |
| BANGALORE | General Manager | (080) 25943030 , 25943500 | agmcustomer[dot]lhoban[at]sbi[dot]co[dot]in |
| BHOPAL | General Manager | (0755) 2576851, 2575226 | agmcustomer[dot]lhobho[at]sbi[dot]co[dot]in |
| BHUBANESWAR | General Manager | (0674)2396580 , 2396582 | agmcustomer[dot]lhobhu[at]sbi[dot]co[dot]in |
| CHANDIGARH | General Manager State Bank of India, Local Head Office, | (0172)2707391,2707390, 4567633,4567193,4567120 | agmcustomer[dot]lhocha[at]sbi[dot]co[dot]in |
| DELHI | General Manager, | (011)23407121, 23407657, 23407447, 23407480 | agmcustomer[dot]lhodel[at]sbi[dot]co[dot]in |
| GUWAHATI | General Manager | (0361)2237663, 2237513 | agmcustomer[dot]lhoguw[at]sbi[dot]co[dot]in |
| HYDERABAD | General Manager | (040) 24756925, 23466108 | agmcustomer[dot]lhohyd[at]sbi[dot]co[dot]in |
| JAIPUR | State Bank of India, | (0141)2256326, 2256327, 2256328 | agmcustomer[dot]lhojai[at]sbi[dot]co[dot]in |
| KOLKATA | General Manager | (033)22489333 & 22436531, 22624954 | agmcustomer[dot]lhokol[at]sbi[dot]co[dot]in |
| LUCKNOW | General Manager | (0522) 2201492 , 2201496, 2234012, 2295936, 2230401 | agmcustomer[dot]lholuc[at]sbi[dot]co[dot]in |
| MAHARASHTRA | General Manager | Helpline-(022) 6445525 , 26445524 Grievance Cell Tel no.: ATM Department 55514539, 55514540 Housing & Personal Loan 26445543, 26445542 | a agmcustomer[dot]lhomum[at]sbi[dot]co[dot]in |
| MUMBAI(Metro) | General Manager | Helpline-(022) 6445525 , 26445524 Grievance Cell Tel no.: ATM Department 55514539, 55514540 Housing & Personal Loan 26445543, 26445542 | agmcustomer[dot]lhomum[at]sbi[dot]co[dot]in |
| PATNA | General Manager Patna -800001 | Contact Number : 0612-2238388 | agmcustomer[dot]lhopat[at]sbi[dot]co[dot]in |
| THIRUVANANTHAPURAM | General Manager | (0471)2192333, 2192555, 2192666, 2192260 | agmcustomer[dot]lhotri[at]sbi[dot]co[dot]in |
| CHENNAI | General Manager | (044) 28214285, 28266141 | agmcustomer[dot]lhoche[at]sbi[dot]co[dot]in |
- The next level of escalation is the communication to the Corporate Office of the bank. The customers can expect a reply within 6 days from such escalation. The contact details of the corporate office are given here:
The Chairman
State Bank of India,
State Bank Bhavan,
Madam Cama Road,
Mumbai – 400021
Customer Service Department
Deputy General Manager
State Bank of India,
State Bank Bhavan,
16th Floor,
Madam Cama Road,
Mumbai – 400021
Email – customercare[at]sbi[dot]co[dot]in
If the customers are not satisfied by the response received from the bank or if it is not received in due time, they can contact the Banking Ombudsman appointed by the RBI.
About the Bank
State Bank of India has the highest market share in the country in terms of assets as well as the total of loans and deposits. SBI also has the highest number of branches in the country and about 208 branches /foreign offices in 36 countries across the world.
FAQs:
1. What is the toll free customer care number of SBI?
The toll free number of the bank is 1800 11 2211 / 1800 425 3800.
2. Does the bank have separate customer care numbers for international customers?
The bank has a detailed list, on its website, of country-wise customer care numbers for the international customers to contact the bank.
3. Does the bank offer car loans for the purchase of electric cars?
SBI has a very effective and lucrative car loan scheme to assist the customers in the purchase of electric cars. The bank also offers a concession in the rate of interest for the customers seeking a loan for the purchase of an electric car among many other benefits/features of such loan.
4. What are the contact details of the Relationship Managers at the Representative Offices (ROs)?
Following are the contact details of the Relationship Managers at Representative Offices (ROs) of the bank outside India,
Postal Address - State Bank of India, Representative Office, Dubai,UAE
State Bank of India,
Representative Office,
P.O. Box - 126959
Room No. 110, 1st Floor,
The Business Center,
Khalid Bin Walid Road (Bur Juman Metro Station Exit 4), Bur Dubai
Telephone - +971 43537336
Email – cro[dot]rodubai[at]sbi[dot]co[dot]in
dubai[at]sbi[dot]co[dot]in
Postal Address - State Bank of India, Representative Office, Abu Dhabi, UAE
State Bank of India,
Representative Office,
P.O. Box - 111783,
Office 2303, Commercial Tower (Tower A),
Behind City Seasons Hotel /
Honda Showroom, Electra Road,
Abu Dhabi, UAE
Telephone - +971 24469488
Email – sbi[dot]roabudhabi[at]statebank[dot]com
5. What is the toll free number for pensioners?
The bank has a separate toll free number for easy, quick and efficient assistance to the pensioners. The toll free number dedicated for the pensioners is 1800 11 0009. Apart from this, pensioners can also call on the general toll free numbers 1800 11 2211 / 1800 425 3800.
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Car Loan Customer Care
How to Check Car Loan Account in Sbi
Source: https://www.creditmantri.com/sbi-car-loan-customer-care/
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