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Customer Grievance Redressal Mechanism

At Unico, we are committed to delivering exceptional service to our customers. Should any grievances or concerns arise, customers can reach out to us through the escalation levels mentioned below.

How to Lodge a Complaint

You can register your grievance related to:

Loans Credit Bureau Insurance Connectors / Growth Associates (DSAs)

Through any of the following channels:

In-Person

Visit nearest Unico branch office

Digital

Website: www.unicohousingfinance.com – ‘Contact Us’ section
Customer App: Mpower App

Post

Submit a written complaint to your servicing Unico Branch

Phone / Email

Contact us through official support channels

Quick Contacts

Toll-Free Number

1800 424 1800

Customer Care Number

044-61117111

Address

UNICO Housing Finance Private Limited, The Oval, 8th Floor, No. 10 & 12, Venkata Narayana Road, T. Nagar, Chennai – 600017

Internal Escalation Matrix

Branch Level (First Point of Contact)

  • Handled by: Branch Head / Business Head
  • Scope:
    • Loan servicing issues
    • Credit Bureau (CIC) updates
    • Connector / DSA related concerns
    • Insurance servicing queries
  • Resolution Time: Within 7 working days

If not resolved, escalate to Level 2.

Central Customer Service Team

  • Email: customercare@unicohfc.com
  • Postal: Manager – Customer Service, Unico Housing Finance Private Limited
  • Resolution Time: Within 7 working days

No response / not satisfied, escalate to Level 3.

Grievance Redressal Officer (GRO)

Final internal resolution within 30 days.

Important: Mention “GRIEVANCE REDRESSAL” on all postal communications.

External Escalation Matrix

Regulatory Escalation

If your complaint remains unresolved within prescribed timelines, you may contact the respective regulator/s.

A. Loan Related Complaints
  • Authority National Housing Bank (NHB)
  • Portal grids.nhbonline.org.in
  • When After 30 days of complaint
  • Complaint Form Download NHB complaint form
  • Postal Address Complaint Redressal Cell
    Department of Regulation & Supervision
    National Housing Bank
    4th Floor, Core 5A, India Habitat Centre
    Lodhi Road, New Delhi – 110003
B. Insurance Related Complaints
  • Authority IRDAI / Insurance Ombudsman
  • Portal bimabharosa.irdai.gov.in
  • When If not resolved within 14 days
  • Email complaints@irdai.gov.in
  • Toll-Free Numbers 155255 / 1800 4254 732
  • Postal Address General Manager
    IRDAI – Policyholder’s Protection & Grievance Redressal Department
    Sy.No.115/1, Financial District, Nanakramguda, Gachibowli,
    Hyderabad – 500032

Important Information for Customers

Be Detailed

Provide complete account details and supporting documents to help us resolve your complaint faster.

Fair Processing

All complaints are handled fairly, transparently, and within applicable timelines.

Exhaust Internal Steps

Customers are encouraged to complete Levels 1 to 3 before approaching regulatory authorities.

Equal Accessibility

All complaint channels are accessible to customers with disabilities. UNICO is committed to ensuring equal access and non-discriminatory service.