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
Post
Submit a written complaint to your servicing Unico Branch
Phone / Email
Contact us through official support channels
Internal Escalation Matrix
Branch Level (First Point of Contact)
- Handled by: Branch Head / Business Head
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Scope:
- Loan servicing issues
- Credit Bureau (CIC) updates
- Connector / DSA related concerns
- Insurance servicing queries
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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
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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
If your complaint remains unresolved within prescribed timelines, you may contact the respective regulator/s.
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Authority
National Housing Bank (NHB)
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Portal
grids.nhbonline.org.in
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When
After 30 days of complaint
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Complaint Form
Download NHB complaint form
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Postal Address
Complaint Redressal Cell
Department of Regulation & Supervision
National Housing Bank
4th Floor, Core 5A, India Habitat Centre
Lodhi Road, New Delhi – 110003
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Authority
IRDAI / Insurance Ombudsman
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Portal
bimabharosa.irdai.gov.in
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When
If not resolved within 14 days
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Email
complaints@irdai.gov.in
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Toll-Free Numbers
155255 / 1800 4254 732
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Postal Address
General Manager
IRDAI – Policyholder’s Protection & Grievance Redressal Department
Sy.No.115/1, Financial District, Nanakramguda, Gachibowli,
Hyderabad – 500032