@KotakBankLtd please respond to genuine complaint from deposit holders and loan account holders. Net banking complaint, call center complaint and anything written to specified e-mail also does not beget any answer.. For 3 full weeks. @udaykotak you need to pull your staff up 1/n

Running a simple loan account tagged to 811 account - SPLN 61729997 and after 23 full weeks of payment now am shocked to find that RoI charged is 15.5% vs 15.0% in the loan agreement.. The term of the loan is 60 months so for each, month 167inr is being charged more.. 2/n

When called the customer care helpline the lady said that "thoda sa hi jyada hai.. " Monthly payment.. Hain
@udaykotak will any loan account be closed even if INR1 is lesser without impacting good for nothing credit reports. A good credit report in India begets no special 3/n

.. rates for the common. Unlike in the developed markets. Here you guys will screw the borrowers for just delay in payment but go scotfree for all malpractice that banks gave done on gullible deposit holders and retail borrowers. The delay in payment for this loan 4/n

Is an whopping 3% and besides if you choose to prepay the same loan you get docked 5.0%. In essence ee fleece you while servicing, while you be good or pay back. We will also cheat you. On The benchmark of good service and quick response @ICICIBank @ICICIBank_Care is way ahead5/n

.. where I am running several other loans. For 20 years that I have been a good borrower, with impeccable track record of NOT once missing a payment and closing all loans, @KotakBankLtd has made made a joke with just one loan.. Never again to bank with them. 6/n

The branch banking is a joke. The people sitting at the counters have a standard protocol of asking you to dial the customer care. Which by the way has no clue since it is manned by young guys who are underpaid and under skilled for even basic stuff like handling client 7/n

queries on your accounts, leave alone calculating time value and amortization of loans..dear @udaykotak sir.
Chota muh badi baat.
1. Your 811 app/software is state or the art and rival the best in the industry
2. Your human resource should fit and manage the same flawlessly 8/n

3. Good combination of software and hardware make a deadly combination. Not having one of them in sync makes a shoddy outcome
4. Michael Schumacher in Maruti 800 may still be able to crack top5 but he needs Ferrari to top the podium.
Sir, for 2030 long run marathon,9/n