Bank of India Customer Care in India: Numbers, Hours, Escalations, and Practical Guidance

Official Customer Care Channels and Verified Contact Details

Bank of India (BOI) provides multiple nationwide contact points for retail, corporate, and NRI customers. As of 2024, the primary toll-free numbers in India are designed to support account services, digital banking, card issues, and general queries. These lines typically offer 24×7 IVR access; live-agent availability may vary by queue and time of day. For the fastest connection, call during non-peak hours (early morning or late evening).

Always dial only the numbers listed on the official website (https://www.bankofindia.co.in) and never share your full card details, passwords, or OTPs with anyone on a call. If you receive an unsolicited call claiming to be from the bank, disconnect and call back using the official helpline below.

• Toll-free (all operators, India): 1800 103 1906
• Toll-free (legacy line): 1800 220 229
• Standard charges apply (useful for NRI calling India): +91 22 4091 9191
• Official website: https://www.bankofindia.co.in
• Head Office postal address (for escalations/records): Bank of India, Star House, C-5, G-Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051, Maharashtra, India

How the Helpline and IVR Typically Work

When you call, you will encounter an Interactive Voice Response (IVR) menu. Common options let you: hotlist a lost/stolen debit card, check account balance/transactions, reset digital banking access, or connect with a customer care executive. Keep your Customer ID/account number, last transaction details, and date of birth handy. For some requests (like card hotlisting), the IVR can complete the action without an agent.

For live-agent verification, you may be asked for partial details (never full passwords/PIN/OTP). If you are calling about a recent transaction, note the exact date, amount, merchant/ATM location, and channel (UPI, NEFT, IMPS, ATM, POS). This improves turnaround time and reduces back-and-forth.

Grievance Redressal and Escalation Path

Start with the primary customer care lines or your home branch for most issues. If unresolved, escalate in writing through the bank’s online grievance form (available via “Contact Us” or “Grievances” on the official site) or by submitting a signed letter at your branch. Mention your complaint reference number, dates, and documents so the bank can track history accurately.

Bank of India designates Nodal/Principal Nodal Officers for customer grievance oversight. If your issue remains unresolved beyond the bank’s stated Turnaround Time (generally 7–30 days depending on the matter), escalate to the Principal Nodal Officer at Head Office (address above). Keep copies of acknowledgements, emails, call reference IDs, and screenshots.

If still unresolved after the bank’s final response or beyond stipulated timelines, you can approach the Reserve Bank – Integrated Ombudsman Scheme (RB-IOS, 2021) via the RBI Complaint Management System at https://cms.rbi.org.in. The Ombudsman handles complaints against regulated entities for issues like unauthorized electronic transactions, delays in reversal, and deficiency of service. File with full chronology, evidence, and the bank’s written response (if any).

Card and Digital Banking Emergencies: What to Do

For lost/stolen debit card or suspected fraud, immediately call 1800 103 1906 (toll-free) and use the IVR to hotlist the card; do not wait to speak to an agent if the IVR offers instant blocking. After blocking, request a replacement card through the helpline, branch, or internet/mobile banking as applicable. Follow up by changing internet/mobile banking passwords and UPI PINs associated with the account, and review recent transactions.

For unauthorized electronic transactions, notify the bank immediately. Under RBI norms, your liability is limited if you report promptly and have not shared credentials. Submit a detailed written complaint within 3 working days of discovering the fraud for maximum protection. Include transaction IDs, timestamps, channel (UPI/IMPS/NEFT/Card), and screenshots/SMS proofs.

For failed digital/ATM transactions: RBI’s Turn-Around-Time (TAT) and compensation rules apply across payment systems. For example, if cash is debited but not dispensed at an ATM, the issuing bank must recredit within 5 calendar days; delays beyond this attract compensation of Rs 100 per day (subject to RBI’s 2019 TAT circular). For UPI/IMPS technical declines, auto-reversal is typically expected within T+1 to T+3 days; if not received, raise a complaint with the UTR/transaction ID and seek adherence to the RBI TAT and compensation framework.

Practical Tips to Get Faster Resolution

Document everything: note the date/time of calls, agent names, and complaint/ticket numbers; save SMS/email acknowledgements. When submitting a complaint, attach legible proofs—transaction receipts, screenshots with visible UTR/reference numbers, and ID/address proofs if requested. A concise one-page chronology with bullet points for key events (dates, amounts, channels) often results in quicker action by the grievance cell.

Use the right channel for the problem: call immediately for blocking cards and real-time issues; use the online grievance form for chargebacks/disputes so documents can be attached; visit your home branch for KYC, address changes, or complex account servicing. For NRI customers, consider dialing the non-toll-free Mumbai line (+91 22 4091 9191) during Indian business hours and confirm email communication through the secure portal or registered email on record.

Useful Links and References

Use only official domains and verified links for service requests. Avoid clicking on links received via unsolicited messages or social media. For any uncertainty, type the bank’s URL directly into your browser and navigate through the main menu (Contact Us, Grievances, or Customer Service).

When you submit a complaint online, ensure you receive a reference number. If the portal does not display or email a reference, take a timestamped screenshot of the final submission page and follow up via the helpline with that evidence.

• Bank of India official website (home): https://www.bankofindia.co.in
• RBI Complaint Management System (RB-IOS): https://cms.rbi.org.in
• Head Office (for written escalations): Bank of India, Star House, C-5, G-Block, Bandra Kurla Complex, Bandra (E), Mumbai 400051
• Primary toll-free helplines (India): 1800 103 1906, 1800 220 229; Standard-rate line: +91 22 4091 9191
• Tip: For ATM/UPI disputes, include UTR/ARN/transaction ID, amount, date, time, and channel in your complaint for faster tracing and resolution.

What is the customer care number of BOI India 24 7?

Do not get panic, if any Cyber Fraud happens. Report fraud immediately to your Branch or Call on our Toll-Free No. 1800 103 1906. For calling your Branch, always use phone numbers available on your passbook, account statement or on Bank’s Website https://bankofindia.co.in > locate us > Branches.

How to link phone number with Bank of India?

Bank Of India Change Mobile Number Online

1. Open your online banking account at the Bank of India.
2. Go to the area labelled “Service Request.”
3. Pick the option to change your mobile number.
4. Submit the necessary information and provide your new mobile number.
5. Use OTP verification to verify the request’s authenticity.

Is Bank of America 24 hour customer service in India?

Contact us
Automated support is available 24/7. Language interpretation services are available at no cost. You can request an interpreter at a financial center or when speaking with an agent on the phone.

How to get balance from Bank of India?

BOI customers with a registered phone number with the bank account can check their Bank of India account balance by giving a missed call to the BOI Balance Enquiry Number: 9266135135. The bank will send the account balance details to the registered mobile number.