Arun Dahiya’s complaint against SBI reveals a serious EMI deduction issue despite sufficient balance. Read about the incident, SBI’s customer service failure, and what you can do if you’re facing similar EMI problems.
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Complaint Summary
| Complainant | Arun Dahiya |
|---|---|
| Profession | GM Costing, Footwear |
| Company | Diamond Footcare Udyog Pvt. Ltd. |
| Bank Involved | State Bank of India (SBI) |
| Date of Incident | 5th July 2025 |
| Platform | |
| Main Issue | EMI not deducted despite sufficient balance |
| Branch Experience | Unprofessional and unsatisfactory |
| Phone Number Shared | +91 8607888028 |
Complaint Overview
On LinkedIn, Arun Dahiya expressed frustration over an unresolved issue with State Bank of India (SBI) regarding his loan EMI payment for July 2025. Despite maintaining sufficient balance in his bank account, the EMI was not deducted, which could potentially impact his credit score and cause penalty charges.
After noticing the failed transaction, he personally visited the SBI branch to address the issue. However, the customer service staff reportedly behaved unprofessionally and failed to resolve the concern effectively.
Excerpt from Original Complaint
“Despite having sufficient balance, my loan EMI was bounced on 5th July. I visited the SBI branch, but their staff showed no professionalism and couldn’t provide a proper resolution. This is not the service we expect from a national bank.”
Key Issues Highlighted
- EMI not deducted despite account having sufficient funds
- Potential late fees and credit score damage
- In-person visit yielded no solution
- Unprofessional behavior by branch staff
SBI’s EMI Deduction Issues: What You Should Know
Delayed EMI deductions are not just inconvenient they can lead to:
- Penalties and late charges
- Negative credit bureau reporting
- Loss of trust in automated banking systems
SBI is India’s largest public sector bank, and consumers expect timely and reliable service. Failures like these can damage its credibility if not resolved promptly.
10 Most Searched Questions on SBI EMI Deduction Issues
1. Why did my SBI EMI not get deducted despite having balance?
This can happen due to:
- Technical errors in ECS/NACH system
- Bank-side server or processing issues
- Incorrect loan account linking
2. Will I be charged a penalty if EMI was not deducted due to SBI’s fault?
Banks usually charge penalties automatically, but you can raise a complaint and request a penalty reversal if the error was on the bank’s end.
3. Can failed EMI deduction affect my CIBIL score?
Yes. Even if it was the bank’s error, a missed EMI can lower your credit score unless reversed by the bank with proper justification to the credit bureau.
4. What should I do if my EMI was not deducted but balance was sufficient?
- Visit your branch and submit a written complaint
- Email SBI grievance cell
- Track the issue via SBI YONO or net banking
- Raise a dispute through RBI CMS portal
5. How can I raise a formal complaint with SBI?
Email: customercare@sbi.co.in
SBI Complaint Portal: https://crcf.sbi.co.in
RBI Complaint Portal: https://cms.rbi.org.in
6. Is visiting the SBI branch the only solution for EMI issues?
No. You can also resolve issues through:
- YONO app
- Net Banking
- Calling SBI customer care at 1800 1234 / 1800 2100
7. How long does it take to resolve EMI deduction issues at SBI?
Normally within 7 working days, but delays can happen. Escalation may be needed if no resolution is provided.
8. Can I stop auto-debit and pay EMI manually with SBI?
Yes. You can request deactivation of auto-debit and choose to pay EMIs manually via net banking or mobile banking.
9. Is SBI responsible for errors in EMI deduction?
Yes. If the error occurred due to bank-side technical issues, SBI is accountable, and customers are eligible for reversal of charges and correction in credit reporting.
10. Where can I raise public awareness about my SBI EMI issue?
You can share your verified complaint on:
- Choice4Voice.com
- LinkedIn (with proof)
- Tag SBI’s official accounts on Twitter for quick attention
What Choice4Voice.com Says
SBI must address such failures seriously. Loan EMIs are time-sensitive, and any delay can have long-term financial consequences for the customer. We stand with Arun Dahiya and request the bank to resolve the issue promptly and professionally.
If you’ve faced similar EMI deduction issues with SBI or any other bank, don’t stay silent.
Report Your Complaint Now
✅ Raise your voice today
📢 Publish your complaint on Choice4Voice.com
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Disclaimer
This article is based on a verified complaint shared by Arun Dahiya on LinkedIn. The intent is to advocate for better banking standards and support transparency in financial services.
