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Submit your complaint →Pratap Kumar S, a Customer Support Operations professional, filed a detailed complaint against HDFC Bank’s Home Loan Department for delays, false assurances, and being charged Pre-EMI despite internal bank faults. Choice4Voice.com highlights this serious customer grievance to push for accountability and transparency in banking operations.
HDFC Bank Home Loan Delay Complaint by Pratap Kumar S – Customer Accuses HDFC of Negligence and Unfair Charges
Complaint Summary Table
| Details | Information |
|---|---|
| Complainant Name | Pratap Kumar S |
| Designation | Customer Support Operations |
| Company | — |
| Bank Involved | HDFC Bank (Home Loan Department) |
| Date of Loan Application | 3rd August 2025 |
| Nature of Complaint | Delay in loan disbursement, false assurances, and unjustified Pre-EMI charges |
| Branch Involved | HDFC Bank – HSR Branch |
| Main Concern | Forced to pay Pre-EMI despite delays caused by bank executives |
| Officials Mentioned | Roshan (Executive), Rajadorai (Executive), Raghavendra (Deputy Manager – Home Loans) |
| Date of Complaint Post | November 2025 |
| Platform of Complaint | |
| Location | India |
| Current Status | Pending Resolution |
HDFC Bank Home Loan Complaint – What Happened
On 3rd August 2025, Pratap Kumar S, a senior professional specializing in Customer Support Operations and Leadership, applied for a home loan with HDFC Bank. What began as a routine process turned into a harrowing experience of delays, miscommunication, and mental distress.
According to Pratap, his interaction began with a loan executive named Roshan, who initially confirmed the loan amount and repeatedly requested receipts and documents. Despite Pratap submitting every required document on time, the bank provided no updates.
Later, his wife was called for signing on 26th September, and Pratap himself signed over 90 documents on 3rd October under another executive named Rajadorai. Both officials promised that the loan would be disbursed before the builder’s due date yet no disbursement took place.
Timeline of Events in HDFC Bank Home Loan Case
| Date | Event Description |
|---|---|
| 3rd August 2025 | Home loan application submitted. |
| 26th September 2025 | Complainant’s wife signed documents. |
| 3rd October 2025 | Complainant signed over 90 documents; executives promised timely disbursal. |
| 29th October 2025 | Asked to resend payslips and bank statements after due date had already passed. |
| 3rd November 2025 | Called to HSR branch, made to sign again, and paid ₹59,000. |
| Post 3rd November 2025 | Informed about Pre-EMI deduction despite the delay being HDFC’s fault. |
Key Allegations Against HDFC Bank
- Repeated Delays: No progress for weeks despite multiple follow-ups.
- False Promises: Bank executives assured timely processing but failed to deliver.
- Unfair Charges: Customer forced to pay Pre-EMI for an entire month despite HDFC’s internal delay.
- Lack of Accountability: Deputy Manager Raghavendra admitted the fault was on the executives’ side but insisted Pratap must still bear the charges.
- Mental Distress: Continuous follow-ups, repeated signatures, and lack of transparency led to serious frustration.
Questions Raised by the Complainant
- Why were documents not collected and processed on time?
- What was the HDFC Home Loan team doing between 3rd October and 29th October?
- Why should a customer pay for the bank’s internal mismanagement?
- Who will take responsibility for the emotional and financial loss?
Legal Case Can Be Filed
Based on the details, the following legal actions can be pursued:
| Applicable Law / Authority | Description |
|---|---|
| Consumer Protection Act, 2019 | File a complaint for deficiency in service and unfair trade practice. |
| RBI Banking Ombudsman | Escalate against HDFC Bank for unreasonable charges and delay in disbursal. |
| Civil Court (Contract Law) | Legal claim for compensation due to breach of loan disbursal terms. |
| FIR (Police Complaint) | Can be filed if any document misuse or financial fraud is detected. |
How Choice4Voice.com Can Help
Choice4Voice.com helps customers like Pratap Kumar S by:
- Publishing verified complaints publicly to create social and media awareness.
- Guiding victims in drafting complaints to RBI, Consumer Court, and other regulatory bodies.
- Providing ready-to-use templates and filing guidance for faster action.
- Escalating issues on LinkedIn and professional platforms to ensure companies respond promptly.
Step-by-Step Guide to File a Complaint
1. RBI Banking Ombudsman Complaint
- Visit: https://cms.rbi.org.in
- Select “Complaint against a Regulated Entity” → Choose “HDFC Bank.”
- Mention delay in loan processing, lack of communication, and wrongful Pre-EMI charge.
2. Consumer Forum Complaint
- Visit: https://edaakhil.nic.in
- Register as a consumer and upload all relevant evidence (emails, loan forms, Pre-EMI receipts).
- Mention “deficiency in banking services” and “unjustified financial burden.”
3. HDFC Grievance Redressal
- Write to: grievance.redressal@hdfcbank.com
- If unresolved within 30 days, escalate to RBI Ombudsman.
4. FIR for Financial Harassment
If mental harassment or data misuse is involved, file an FIR through:
- https://cybercrime.gov.in
or visit your local police station.
Pre-Drafted Complaint Email (Consumer Forum Template)
Subject: Formal Complaint – Delay and Unfair Pre-EMI Charges by HDFC Bank Home Loan Department
Dear Sir/Madam,
I, [Your Name], wish to file a formal complaint against HDFC Bank for causing financial and emotional distress through repeated delays in loan disbursal and unjustified Pre-EMI deduction despite no fault of mine.
Despite submitting all required documents on time, HDFC executives failed to process my loan efficiently. This delay has caused me a financial loss and mental agony.
I request appropriate compensation and strict action under the Consumer Protection Act, 2019.
Regards,
[Your Name]
[Your Address]
About the Complainant – Author Section
Pratap Kumar S is an accomplished professional specializing in Customer Support Operations, Leadership, Team Building, and CRM Tools. With extensive experience in managing customer experience and operational excellence, his professional integrity and expertise add credibility to his grievance. His post reflects the frustration of many Indian home loan borrowers facing similar issues with banking inefficiency.
Conclusion – A Call for Accountability in Home Loan Processes
The case of Pratap Kumar S vs HDFC Bank underscores the urgent need for accountability and transparency in India’s banking sector.
Despite clear admissions of internal fault, forcing a customer to bear financial losses reflects a systemic gap in customer protection.
Choice4Voice.com continues to raise such voices to ensure that financial institutions uphold fairness and responsibility in their dealings.
Questions About HDFC Home Loan Complaints
Q1. What should I do if HDFC Bank delays my home loan disbursal?
File a written complaint and escalate to the RBI Ombudsman if not resolved in 30 days.
Q2. Can HDFC charge Pre-EMI before loan disbursal?
No, banks cannot charge Pre-EMI for their own delays.
Q3. How can I file a complaint against HDFC Home Loan Department?
You can complain via cms.rbi.org.in or edaakhil.nic.in.
Q4. What documents are needed for a consumer complaint against a bank?
Loan application, payment receipts, emails, and written communication proof.
Q5. Can I stop paying EMIs if my loan is not disbursed?
No, consult the bank first or approach the Ombudsman before stopping payments.
Q6. Who is responsible for delays in home loan processing?
The bank is responsible for internal delays unless documentation from the borrower is pending.
Q7. What is the RBI’s role in such disputes?
RBI regulates fairness and transparency in banking operations.
Q8. Can I claim compensation for mental distress?
Yes, under the Consumer Protection Act, 2019.
Q9. How long does HDFC take to process home loans?
Typically 7–10 working days, but longer delays should be escalated.
Q10. What is Pre-EMI in a home loan?
It’s the interest paid on the loan amount disbursed before full repayment starts.
Q11. Can HDFC mark my account negatively for non-payment during a dispute?
They may, but you can appeal to the RBI Ombudsman to prevent it.
Q12. Is there a fee for filing a complaint in consumer court?
Yes, minimal (usually ₹100–₹500 depending on claim value).
Q13. What are my rights under the Consumer Protection Act against banks?
You can claim refund, compensation, and seek penal action for poor service.
Q14. What evidence should I collect before complaining?
Screenshots, call recordings, loan letters, payment proofs, and emails.
Q15. Can RBI force banks to refund Pre-EMI?
RBI can direct corrective actions but final compensation may require consumer court order.
Q16. How do I contact HDFC grievance redressal?
Email grievance.redressal@hdfcbank.com with your complaint details.
Q17. What happens if the bank doesn’t reply in 30 days?
Escalate immediately to the Banking Ombudsman.
Q18. Can Choice4Voice.com help in filing legal cases?
Yes, Choice4Voice.com assists with drafting and escalation to authorities.
Q19. Is Pre-EMI refundable if delay is from bank’s end?
You can claim refund through the consumer forum citing deficiency in service.
Q20. How can I ensure faster resolution?
File online complaints, keep documentation complete, and escalate through verified portals.
Final Note:
Choice4Voice.com stands with consumers like Pratap Kumar S who face unjust treatment from financial institutions. Every voice raised helps drive India toward a fairer, more accountable system of banking and consumer rights.
