Tata Capital Grievance Redressal - FinMapp

Tata Capital Grievance Redressal

Tata Capital Limited (“TCL”), the flagship financial services company of the Tata Group, is a subsidiary of Tata Sons Private Limited and is registered with the Reserve Bank of India as a Systemically Important Non-Deposit Accepting Core Investment Company (“CIC”). Tata
Capital Housing Finance Limited (“TCHFL”) – a subsidiary of Tata Capital Limited, primarily
offers Home Loans and Affordable Housing Finance Loans. It also provides Loans Against
Property and Loans to Developers for constructing Residential and Commercial premises.

Grievance Redressal procedure:

Tata Capital Housing Finance Limited (TCHFL) is a wholly owned subsidiary of Tata Capital
Limited and is registered with the National Housing Bank as a Housing Finance Company,offering long-term funds for housing purposes. TCHFL’s wide product range includes loans
for purchase and construction of a residential unit, purchase of land, home improvement
loans, home extension loans, project finance loans to developers etc.

Level 1: To redress their grievances, applicants/borrowers may write into customercare.housing@tatacapital.com or call on customer care no. 1860 267 6060

You will receive an acknowledgment/response within 7 days.

Level 2: If you are not satisfied with the resolution provided to you, we request you to
contact our Grievance Redressal Officer/Nodal officer-Ms. Reshma Sethi at customerservice.head@tatacapital.com.

You will receive a response within 4 business days.

Level 3: If you are not satisfied with the resolution provided to you, we request you to
contact our Chief Grievance Redressal Officer/Principal nodal officer-Mr. Ajai Shukla at
gro.housing@tatacapital.com .

You will receive a response within 3 business days.

Level 4: If you are not satisfied with the resolution provided to you, we request you to
contact the Managing Director at mdtchfl@tatacapital.com

You will receive a response within 2 business days.

Level 5: In case you do not receive a response from us within a period of 30 days or are
dissatisfied with the response received after following all the above steps, you can approach the regulatory authority of Housing Finance Companies- the National Housing
Bank- at the address given below:

The Officer-in Charge, National Housing Bank Complaint Redressal Cell Department of Supervision National Housing Bank, 4th Floor, Core-5A, India Habitat Centre,Lodhi Road,
New Delhi 110 003. Website: www.nhb.org.in

Grievance Redressal for Digital Lending

  • The Principal Nodal Officer as also the escalation mechanism as mentioned above
    and shall also deal with the FinTech / digital lending related complaints/ issues raised
    by the borrowers as also the complaints raised against the Digital Lending Applications (mobile and web-based applications with user interface that facilitate borrowing by a borrower including the Company’s apps as well as those operated by lending service providers engaged by the Company for extension of any credit facilitation services).
  • Contact details of grievance redressal officers shall be prominently displayed on the
    websites of TCHFL, its Lending Service Providers (LSPs) and on Digital Lending Apps (DLAs) and in the Key Fact Sheet (KFS) provided to the borrower.
  • The facility of lodging complaint shall also be made available on the DLA and on the
    website of LSP.
  • The responsibility of grievance redressal shall continue to remain with TCHFL. If any complaint lodged by the borrower against TCHFL or the LSP engaged by TCHFL is not resolved by TCHFL within 30 days, the borrower can lodge a complaint over the Grievance registration & Information Database System (GRIDS)
  • Periodic review and monitoring of grievances received through digital / fintech partners would be done.