SBI Customer Care Email ID: A Complete, Practical Guide

Official SBI Customer Care Email ID and Key Contacts

If you prefer email for non-urgent banking queries or complaint follow-ups, the official State Bank of India customer care email ID is: [email protected]. This inbox is managed by SBI’s 24×7 Contact Centre and is suitable for account servicing questions, digital banking support, card/ATM issues (for SBI debit cards), and general service feedback. For urgent matters like suspected fraud or account blocking, a phone call is faster than email.

SBI serves one of the world’s largest retail customer bases—over 480 million customers across more than 22,000 branches and 60,000+ ATMs/ADWMs nationwide as of FY 2023–24. Given the scale, providing complete details in your first email meaningfully shortens resolution time. Always include your registered contact information and avoid sharing sensitive credentials (PINs/OTP/CVV) in any channel.

• Primary customer care email (SBI Bank): [email protected]
• Toll-free contact centre (24×7): 1800 1234, 1800 2100, 1800 11 2211, 1800 425 3800
• Alternate number (chargeable): 080-26599990
• Complaint/Service Request Portal (SBI Customer Complaint Form): https://crcf.sbi.co.in/ccf
• Official website: https://sbi.co.in
• Branch/ATM locator: https://sbi.co.in/web/atm-branch-locator/branch
• Official X (Twitter) handle for updates: @TheOfficialSBI
• Corporate Centre (reference address): State Bank Bhavan, Madame Cama Road, Nariman Point, Mumbai 400021, India

How to Write an Effective Email to SBI

Use a clear subject line that flags the product and the issue, for example: “Savings A/C 1234—Unauthorized ATM Transaction on 22-Aug-2025.” In the body, identify yourself exactly as per bank records, include masked account details (last 4 digits) and your registered mobile number, and state the specific resolution you seek (refund, reactivation, statement copy, limit change, etc.). Attaching supporting proof—screenshots, transaction receipts, or branch acknowledgements—saves days of back-and-forth.

For disputed transactions, mention the exact time stamp, terminal ID or merchant name (if available), amount, and whether the card/account was in your possession. For digital banking issues (YONO or Internet Banking), include your user ID (masked if preferred), app version/OS, error code/message, and the exact screen where the error occurred. If you have already raised a complaint via the portal or call centre, include the Service Request or Ticket Number in the email subject and body.

• Your full name (as per bank), registered mobile number, and city/branch name
• Product type and identifiers (e.g., Savings A/C last 4 digits, CIF if known)
• Chronology of the issue with exact dates, amounts, and reference numbers
• Any prior complaint/ticket number and communication dates
• Evidence: screenshots, SMS alerts, merchant invoices, branch slips
• Clear ask: reversal, activation, statement, charge explanation, limit change, KYC update, etc.
• Availability for a call-back and preferred contact window (e.g., 2–5 PM IST)

Expected Response Times, Tracking, and Escalation

Typical acknowledgement times for emails to [email protected] are within 24–48 hours, with many routine issues resolved in 3–5 working days. Cases involving third parties (merchant chargebacks, failed UPI settlements, out-of-network ATM disputes) can take longer—often 7–15 working days depending on interbank responses. Keep the original subject line and ticket number intact in all follow-ups to preserve the case thread.

For formal complaints, the fastest route is the SBI Customer Complaint Form at https://crcf.sbi.co.in/ccf, which generates a unique Complaint/Service Request Number you can track. If you submitted an email first, you can still create a portal complaint and reference your email thread; this often improves visibility and SLA adherence.

If you are not satisfied with the bank’s response or no final reply is received within 30 days, you may escalate under the Reserve Bank of India’s Integrated Ombudsman Scheme. File online at https://cms.rbi.org.in with your SBI complaint/ticket details and supporting documents. Escalate only after giving SBI the stipulated time to resolve, unless the matter is urgent (for example, continued debits after written cancellation).

Alternatives to Email: When Calling or Online Forms Are Faster

Call the 24×7 toll-free numbers—1800 1234, 1800 2100, 1800 11 2211, or 1800 425 3800—for immediate actions such as ATM/debit card hotlisting, suspected fraud blocking, OTP or login lock issues, UPI limit resets, or to quickly obtain a Service Request Number. Keep your last transaction details handy for verification. For outages or mass-impact issues, the IVR typically carries recorded advisories.

For structured requests—address/mobile/email updates, nomination, KYC refresh, and interest/charge disputes—the online complaint/request portal (https://crcf.sbi.co.in/ccf) or a branch visit is usually faster than email because the request is routed directly to the owning branch/processing unit with a formal SLA. If you visit a branch, ask for the CBS Service Request Number or inward diary number and add it to any future email correspondence.

Digital banking glitches in YONO or Internet Banking that produce error codes are often best logged through the in-app Help/Contact options or via the call centre. These channels capture device logs and system references that an email alone cannot, improving diagnostic accuracy and shortening resolution time.

Important Note on SBI Cards (Credit Cards) and Other Subsidiaries

Credit cards branded “SBI Card” are issued by SBI Cards and Payment Services Ltd., a separate company from State Bank of India. For SBI credit card issues (statements, rewards, disputes), use the channels listed on https://www.sbicard.com rather than the SBI Bank contact centre. Mixing channels can delay resolution because the servicing systems are distinct.

Similarly, products from SBI’s subsidiaries (SBI Life, SBI General Insurance, SBI Mutual Fund, and YONO-affiliated marketplaces) have dedicated support teams and contact points. If your query relates to these, start with the respective website’s Contact Us page, and include policy/folio numbers or application references to ensure proper routing.

Security, Privacy, and Best Practices

Never share OTPs, full card numbers, PINs, CVV, NetBanking passwords, or UPI MPINs over email or phone. SBI will not ask for these. When emailing, share only masked details (for example, account xxxx1234) and attach documents that do not expose sensitive information unnecessarily. If you suspect phishing, forward the suspicious email to [email protected] if available in official advisories, or call the toll-free numbers to verify before acting.

Keep copies of all correspondence, acknowledgements, and attachments. If you submit documents at a branch, request a stamped acknowledgement or receipt reference. For high-value disputes, note timelines: initial email/call date, ticket generation date, promised TAT, and escalation date if needed. Clear documentation is your best ally in achieving a timely, favorable resolution.