Grievance Redressal Process


Now get complete assistance to overcome your financial concerns over your loan journey with the following grievance redressal guidance at every step.

Our Partners

Fibe
Fibe (formerly EarlySalary)

Grievance Redressal Officer: Mr. Amit Nosina

Company Name: EarlySalary Services Private Limited

Tel: 020-67639797

Email: grievance@earlysalary.com

Customer Care: Mail to care@earlysalary.com or call at 020-67639797

kissht
Kissht

Registered Address: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Maharashtra 400070.

Contact Details for Customers:

Phone Numbers: 080 44745884 / 080 62816309

Email: care@kissht.com

WhatsApp Support: +91 2248913631

Partner 3
L&T Finance

Grievance Redressal Officer: Mr. Vinod Varadan

Contact Number: 1800 1020 476
(Monday to Friday, 9am–6pm, excluding National Holidays)

Email ID: gro@itfs.com

Address for Letter Correspondence:
L&T Finance Limited (formerly known as L&T Finance Holdings Limited),
3rd Floor, "Brindavan Building", Plot No 177,
C.S.T Road, Kalina, Santacruz (East),
Mumbai - 400 098

Fibe
Privo (formerly Credit Saison)

Grievance Redressal Officer: Emaad Khan

Contact: +91 99620 03070

Email IDs: grievance@creditsaison-in.com
emaad.khan@creditsaison-in.com

Address for Letter Correspondence:
IndiQube Lexington Tower,
First Floor, Tavarekere Main Rd,
Tavarekere, S.G. Palya, Bengaluru,
Karnataka 560029

Fibe
Poonawala Fincorp

Grievance Redressal Officer: Rati Mundra

Email IDs: grievance@poonawallafincorp.com
customercare@poonawallafincorp.com

Contact: 020-67808090 / 020-67808090

Partner 3
Lendingkart

Company Name: Lendingkart Finance Limited

Grievance Redressal Officer: Ketan Sali

Designation: Senior Manager - Customer Service

Contact: +91 6358874622

Working Hours: 10:30 AM to 6:00 PM (Monday to Friday, except National Holidays)

Email ID: grievance.redressal@lendingkart.com

Nobel Officer: Sayanendu Chatterjee

Designation: Principal Nodal Officer

Mobile No: +91-70690 87586

Email ID: nodalofficer@lendingkart.com

Address: Indraprasth Business Park, 6th Floor, Sarkhej Roza Road, Makarba, Ahmedabad - 380051

HDFC
HDFC Bank

Grievance Redressal Officer: Ms. Shalini Tandon

Department: Grievance Redressal Cell

Address:
HDFC Bank Limited,
1st Floor, Empire Plaza - 1,
Lal Bahadur Shastri Marg,
Chandan Nagar, Vikhroli West,
Mumbai – 400083

Call: 1800 266 4060
(Monday to Saturday)

Email: grievance.redressal@hdfcbank.com

kotak
Kotak Mahindra Bank Ltd.,

Grievance Redressal Officer: Ms. Archana Shukla

Address:
Kotak Infiniti, 4th Floor,
Bldg. no 21, Infinity Park,
Off Western Express Highway,
General A K Vaidya Marg,
Malad (E),
Mumbai- 400 097

Call: +91 022-62042110

Call: +91 9821400430

Email: nodalofficer@kotak.com

mPocket
mPokket Financial Services Private Limited

Grievance Redressal Officer: Raktim Addya

Address:
PS Srijan Corporate Park,
Unit 1204,
Sector V,
Kolkata – 700091

Call: 1800 266 4060

Tel No: 03368157400
(Monday to Saturday)

Email: grievance@mpokket.com

Incred
InCred Financial Services Limited

Grievance Redressal Officer Name: Mr. Vaidyanathan Ramamoorthy

Address:
Incred Financial Services Limited,
1203, 12th Floor,
B Wing, The Capital,
Bandra Kurla Complex,
Mumbai - 400 051

ETelephone no: 022-42117799

E-mail ID incred.grievance@incred.com

hero-fincorp
Hero FinCorp Ltd

Grievance Redressal Officer (Nodal Officer) Name: Ms. Monica Arora

Address:
Hero FinCorp Ltd., A-44,
Mohan Co-Operative Industrial Estate,
Mathura Road,
New Delhi - 110044

Contact Number: 0124-3633945
(Monday to Friday, and on the last two Saturdays of the month, 10:00 am to 6:00 pm)

Email: nodal.officer@herofincorp.com

Incred
Innotech CreditSea Platforms Private Limited

Grievance Redressal Officer : Mr. Romel Kumar

Address:
SO-11, 3rd Floor,
Magneto The Mall,
Telibandha, Raipur,
Chhattisgarh 492001,
India

Contact Number: +91 95893 93499

Email: romelkumar@creditsea.com

Incred
Unity Small Finance Bank Ltd.

Grievance Redressal Officer Name: Mr. Prashant Kumar Mishra

Address:
Unity Small Finance Bank Ltd.,
Rupa Renaissance,
13th Floor, 1302/B Wing,
D-33 Turbhe MIDC Road,
TTC Industrial Area,
Navi Mumbai, Maharashtra – 400 705

Contact Number: 9167225962 between 09:30 AM to 06:00 PM, Monday to Friday (excluding National or public holidays).

Email: prashantkumar.mishra@unitybank.co.in

RamFincorp
Ram Fincorp of Kundanmal Technology Private Limited

Grievance Redressal Officer : Mr. Samir Sethi

Address:
8/9, 2nd Floor,
WEA, Karol Bagh,
New Delhi - 110005

Contact Number: +91-9311417272
Timings: Monday to Saturday (10 am to 6 pm)

Email: samir@ramfincorp.com

Moneyview
Moneyview Private Limited

Grievance Redressal Officer : Mr. Rishov Bhattacharjee

Address:
17/1, 1st and 2nd Floor,
The Address Building,
Outer Ring Road, Marathahalli,
Kadubeesanahalli,
Bangalore – 560103

Contact Number: 080 6939 0476
Timings: 9:00AM to 6:00PM (Monday to Friday - Excluding public holidays)

Email: grievance@moneyview.in


Level 1: Raise Your Concern

Now get complete assistance to overcome your financial concerns over your loan journey with the following grievance redressal guidance at every step.

Website: Most websites offer contact details at the end of their page. Look for options like “Contact Us” or “Support.” You can find,

1 . Email: You can send the grievance details directly through the mail; do not forget to attach details such as

  • a.Loan account number
  • b.Contact details
  • c.The nature of the issue
  • d.Supporting documents

2 . Phone number: Call the customer service number during business hours. They will guide you through the immediate processes.

Visit the nearest branch: Locate the nearest branch from the website itself. It is usually the fastest, creating a sense of urgency.

The customer support team usually acknowledges the issue within 24 hours and provides a resolution within 7-10 working days.

Level 2: Escalate to Grievance Redressal Officer (GRO)

Unresolved issues can be raised to the GRO, whose address can typically be found in the website’s contact section or provided at level 1.

1 .Include details such as:

  • Complaint reference number from Level 1.
  • Full details of the grievance.
  • Copies of all previous correspondence and documents.

2 . Clearly state the desired outcome or resolution.

The grievance officer will review your case and provide a resolution within 7-10 working days.

Level 3: Escalate to Senior Nodal Officer (NPO).

Though unlikely, an unresolved issue from GRO can be raised to the NPO.

  • Write to the NPO, referencing your earlier complaint ID with a summary of actions taken so far.
  • Share all relevant documentation, including responses from Level 1 and Level 2.
  • Explain why the resolution provided earlier was inadequate.

PNO usually takes 15 days for a resolution after their independent investigation.

External Redressal / Legal Recourse.

If all the internal avenues are dissatisfactory or don’t resolve the issue within 30 days, you can adopt external options such as:

  • 1. Consumer protection agencies: Consult a lawyer. You can file a complaint with the relevant consumer forum.
  • 2. Regulatory bodies:
  • Copies of all previous correspondence and documents.

a. Financial services: RBI (RBI Integrated Ombudsman Scheme), IRDAI, or SEBI.

b. Telecom services: Telecom Regulatory Authority of India (TRAI).

The grievance officer will review your case and provide a resolution within 7-10 working days.

How to file a complaint with the RBI Ombudsman:

Ensure you attach all correspondence and resolutions attempted during internal redressal for reference.

Note The guidance provided herein is of a general nature and outlines standard grievance redressal practices commonly adopted by most lending partners. However, specific procedures may vary depending on the policies of your chosen lender. You are advised to consult directly with your lender to confirm their grievance redressal process and obtain assistance designed to your specific concerns.

Grievance Redressal Timelines

Level Contact Point Response Time
Level 1 Customer Support Team 7-10 working days
Level 2 Grievance Redressal Officer (GRO) 7-10 working days
Level 3 Principal Nodal Officer (PNO) Up to 15 days
Level 4 Consumer Court/Legal Recourse Varies (case-specific)

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