Diwaker is a Businessman who handles 100 to 150 business transactions daily. Sometimes he needs to know our account balance as soon as possible. The Indian Overseas Bank Customer Care Number allows him to check his account balance quickly after spending money on:

Expense	Amount (₹)
Shopping	14,653
Bill Payment	73,632
Dinner with Clients	9,765

Total Spent = ₹14,653 + ₹73,632 + ₹9,765 = ₹98,050

Diwaker was worried about his balance, but the Indian Overseas Bank Customer Care helped him instantly. He called the 24/7 Toll-Free Number and got his balance details immediately.

How Indian Overseas Bank Customer Care Helped Diwaker:

Quick Balance Check: Just one call, and Diwaker knew his remaining balance.
No Stress: No need to visit the branch; saved time for his business.
Secure & Reliable: Verified banking support for safe transactions.

Indian Overseas Bank Customer Care Number:

Toll-Free: 1800 425 4445
Mobile/ Landline: 044-24371120

Now, Diwaker can focus on his business without worry, thanks to Indian Overseas Bank’s fast and helpful customer care.

Indian Overseas Bank Customer Care Numbers - Quick Summary Table

Service	Customer Care Number	Availability
General Queries (Toll-Free)	1800 890 4445	24x7
Credit Card Support	18004254445	24x7
Personal Loan	1800 890 4445	24x7
NRI Customer Care	+91-044-35000124	Mon-Sat
Lost and Stolen Card	044-28584890	Immediate
WhatsApp Banking	04424371120	24x7

Detailed Indian Overseas Bank Customer Care Numbers By Service

A General Customer Support

Diwaker, a busy businessman, needed quick banking help. Indian Overseas Bank Customer Care provided instant support through their General Customer Support numbers.

How does it help Diwaker?

Checked his balance without visiting the branch.
Solved transaction doubts immediately.
Got account-related help anytime.

Indian Overseas Bank Customer Care Numbers

Type	Contact Number	Best Used for
Toll-Free	1800 890 4445	Balance check, mini statements, general queries
Chargeable	044-35000124	Detailed account issues, transaction disputes

When to Use These Numbers?

Toll-Free (1800 890 4445): Quick balance checks, simple queries.
Chargeable (044-35000124): Complex issues like failed transactions and block requests.

Diwaker saved time and kept his business running smoothly with Indian Overseas Bank’s reliable customer care.

Indian Overseas Bank Credit Card Customer Care

Diwaker, a busy businessman, uses his Indian Overseas Bank Credit Card for daily expenses. One day, he needed urgent help with his card.

How does Indian Overseas Bank Customer Care help Diwaker?

Activated his new credit card instantly over the phone
Reported a lost card to block unauthorised transactions
Disputed a wrong charge on his bill
Requested a credit limit increase for bigger business purchases

Indian Overseas Bank Credit Card Support Services

Service	Contact Number	Used For
General Queries	1800 425 4445	Card activation, balance check
Emergency Help	044-24371120	Lost card blocking, fraud reporting

When to Call Customer Care?

New card activation: Start using your card immediately
Billing disputes: Fix incorrect charges quickly
Lost/stolen card: Block the card to prevent fraud
Limit increase: Get higher spending power

Diwaker resolved all credit card issues without visiting the branch, saving his precious business time.

Personal Loan & Home Loan Customer Care

Diwaker, a businessman, took a home loan from the Indian Overseas Bank. Later, he needed help with loan services.

How did the Indian Overseas Bank Customer Care help Diwaker?

Tracked his loan application status without a branch visit
Checked EMI details for better planning
Requested a loan foreclosure to close the loan early

Indian Overseas Bank Loan Support Services

Service	Contact Number	Used For
Loan Tracking	1800 425 4445	Check application status
EMI Help	044-28524212	EMI due dates, amount queries
Foreclosure	1800 425 4445	Early loan closure requests

When to Call Loan Customer Care?

Loan status: Know your application progress
EMI issues: Check dates, amounts, or problems
Foreclosure: Close the loan before the tenure ends

Diwaker managed his loan easily with Indian Overseas Bank's quick phone service.

Indian Overseas Bank NRI Customer Care

Diwaker, an NRI businessman, needed banking help while abroad. Indian Overseas Bank NRI Customer Care provided quick solutions.

How does it help Diwaker?

Solved NRI account queries from overseas
Received callback support without high call charges
Got email assistance for document submission

NRI Banking Support Options

Service	Contact Number	Details
International Helpline	Country-specific numbers	Direct overseas banking support
Email Support	nricell@iob.in	Document/query resolution
Callback Request	Website form	Avoid international call charges

When to Use NRI Services?

Account management from abroad
Fund transfer issues between countries
Document verification for NRI accounts

Diwaker managed his finances smoothly from overseas with Indian Overseas Bank's dedicated NRI support.

Emergency Services (Lost/Stolen Card, Fraud Report)

Diwaker lost his debit card during a business trip. He needed urgent help to block it and prevent misuse.

How does the Indian Overseas Bank help Diwaker?

Immediately blocked his lost card via customer care.
Prevented fraudulent transactions with quick action.
Got guidance on next steps for card replacement.

Emergency Banking Services

Service	Action	Contact Method
Lost/Stolen Card	Hotlist card	Call 1800 425 4445 or 044-285584890
Fraud Report	Block transactions	Visit the nearest branch or call a helpline
New Card Request	Apply for a replacement	Online banking or a branch visit

What to Do in an Emergency?

Call immediately if the card is lost/stolen
Check the last transactions via net banking
Change PIN after getting a new card

Diwaker secured his account quickly with Indian Overseas Bank's 24x7 emergency support.

Other Ways To Contact Indian Overseas Bank Customer Support

Diwaker, a busy entrepreneur, often needed banking assistance but found phone calls inconvenient during meetings. He discovered Indian Overseas Bank offers multiple contact options to suit different needs.

How Alternative Banking Channels Helped Diwaker?

WhatsApp Banking lets him check balances between meetings.
Email support helped resolve complex transaction issues.
SMS alerts kept him updated during travel.
Live chat provided instant solutions during work hours.
Social media provides quick responses to public queries.

Complete the Contact Options Table

Channel	Details	Best Used For	Availability
WhatsApp	Register at 04424371120	Balance checks, statements	24/7
Email	customercare@iob.in	Formal complaints, documents	24/7
SMS Banking	Commands to 9210622122	Quick transactions, alerts	24/7
Live Chat	Via the IOB website/app	Instant troubleshooting	24/7
Social Media	Twitter/FB @IndianOverseasBank	Public grievances	24/7

Detailed Usage Guide

1. WhatsApp Banking Activation:

Save contact +91 04424371120 as "IOB Bank"
Send "Hi" to start registration
Follow automated prompts to link the account
Use the menu for services like balance check, mini statement

2. Effective Email Support:

Always include the customer ID in the subject
Attach relevant documents as a PDF
For urgent matters, mark "Priority" in the subject

3. Essential SMS Commands:

BAL to check the balance
TRN for the last 5 transactions
STOP to deactivate services

4. Live Chat Tips:

Keep the customer ID ready
Chat during less busy hours (11 AM-1 PM)
Request chat transcript for records

5. Social Media Best Practices:

Never share personal details publicly
Use DM for sensitive matters
Include reference numbers in messages

Diwaker found WhatsApp banking most useful for daily checks, while using email for important matters. During business trips, SMS alerts kept him informed, and live chat solved technical issues quickly.

Indian Overseas Bank Grievance Redressal Process

Diwaker, a regular customer, faced an unauthorised transaction issue. When standard customer care couldn't resolve it, he used Indian Overseas Bank's structured grievance process.

How did the Grievance System help Diwaker?

Got his transaction issue resolved in 15 working days.
Customers received written communication at each stage.
You can contact higher authorities when needed.
Final resolution as per RBI guidelines

Indian Overseas Bank Complaint Resolution Process

Level	Contact Point	Resolution Time	Escalation Trigger
Level-1	Customer Care (1800 425 4445)	3 - 5 working days	First complaint
Level-2	Nodal Officer (nodaloffr@iob.in)	10 working days	Unresolved after Level 1
Level-3	Banking Ombudsman (rbi.org.in)	30 working days	Unsatisfactory resolution

Detailed Grievance Process

1. Level 1 - Customer Care

Call the helpline or visit the branch
Register complaint - note the reference number
Expected resolution: 3-5 working days

2. Level 2 - Nodal Officer

Email to nodaloffr@iob.in with:
- Original complaint details
- Customer ID
- Reference number
RBI-mandated response: Within 10 working days

3. Level 3 - Banking Ombudsman

File online at the RBI website if:
- No resolution in 30 days
- Unsatisfactory solution
Requires all previous correspondence

Diwaker's Resolution Journey:

Reported the transaction issue to customer care
Escalated to Nodal Officer when unresolved in 5 days
Received a full refund in 12 days through the Nodal Officer's intervention

Key RBI Guidelines Followed:

Acknowledgement within 3 days
Final reply within 30 days
Compensation for delays

FAQs on Indian Overseas Bank Customer Care

1) What are the balance enquiry or missed-call banking numbers for Indian Overseas Bank?

Answer: Indian Overseas Bank provides missed-call banking facilities that allow customers to check their account balance or receive a mini statement. This service works only when the call is made from the mobile number registered with the bank. Once a missed call is given to the designated IOB number, the bank automatically sends an SMS containing the balance or recent transaction details. This feature is mainly used for quick balance checks without internet access.

2) How is Indian Overseas Bank in terms of overall customer service?

Answer: Indian Overseas Bank, being a public sector bank, generally offers stable and reliable basic banking services such as savings accounts, deposits, and remittances. Customer experiences often vary by branch, with some users finding services satisfactory for routine banking, while others feel service speed and digital experience may lag behind private banks. The bank is usually preferred for its lower charges and traditional banking support rather than premium or fast-paced services.

3) What should I do if my Indian Overseas Bank account is frozen?

Answer: If an Indian Overseas Bank account is frozen, it is usually due to reasons such as incomplete KYC, suspicious transactions, legal instructions, or compliance requirements. The account holder should immediately contact their home branch or customer care to understand the exact reason for the freeze. In most cases, submitting updated KYC documents or clarifying transaction details resolves the issue. If the freeze is due to a legal or enforcement directive, the bank may lift it only after receiving clearance from the concerned authority.

4) How can I file or email a complaint against Indian Overseas Bank?

Answer: Indian Overseas Bank allows customers to raise complaints through multiple official channels, including email, customer care numbers, online grievance portals, and branch visits. When submitting a complaint, customers should clearly mention their name, account number, registered mobile number, branch details, and a clear description of the issue. Supporting documents, if any, should also be attached. Complaints are generally acknowledged with a reference number for follow-up.

5) How can I register my mobile number with Indian Overseas Bank?

Answer: To register a mobile number with Indian Overseas Bank, customers usually need to visit their home branch in person. The process involves submitting a mobile number registration or SMS banking form along with valid identity proof. After verification by the bank, the mobile number is linked to the account. Once registered, customers can access SMS alerts, missed-call banking services, OTP-based transactions, and mobile banking features.

6) How can I get a bank statement from Indian Overseas Bank?

Answer: Indian Overseas Bank customers can obtain their bank statements through multiple methods. Statements can be downloaded via net banking or the mobile banking app, requested at the branch for a specific period, or obtained as a mini statement through ATM or SMS services. Customers may also request printed statements from the branch, and in some cases, digital statements can be emailed if the email ID is registered with the bank.