AnonymousCustomer2026-07-10
Digital 5★Deposits 4★
Opened an RD online in under ten minutes, no branch visit.
3.5Overall / 5
278Detailed reviews
54,332Community votes
#19Bankerpedia 30
AI summary
of 278 customer reviews
Updated 16 Aug 2026
Customers collectively report a strong experience with Deposits, scoring it 4 out of 5, and also appreciate the Staff behaviour and Loans, both scoring 3.7. However, Grievance redressal is the weakest area, with a score of 2.7. The overall sentiment is mixed, with some areas of strength and weakness. No dominant theme emerges from the reviews.
+ Deposits+ Staff behaviour+ Loans− Grievance redressal
Every rating and comment below is written by a verified member. This summary is generated from those aggregated scores and refreshed daily. It is community sentiment, not a statement of fact about the bank.
How customers rate Indian Overseas Bank
Each area is scored out of 5 by verified members who actually bank here.
| What customers rate | Score | Stars | Ratings |
|---|---|---|---|
| Staff behaviour | 3.7/5 | ★★★★★ | 171 |
| Digital banking | 3.4/5 | ★★★★★ | 123 |
| Loans | 3.7/5 | ★★★★★ | 57 |
| Deposits | 4.0/5 | ★★★★★ | 103 |
| Grievance redressal | 2.7/5 | ★★★★★ | 128 |
| Charges & transparency | 3.7/5 | ★★★★★ | 106 |
Scores are adjusted for how many people rated, so a bank with a handful of ratings cannot outrank one with thousands. Star ratings do not affect the Bankerpedia 30 ranking, which is built only from positive and negative votes.
What people are saying
Real one-line experiences, newest first.
Praveen RanaCustomer2026-07-17
Staff 4★Loans 5★Charges 4★
Car loan rate they quoted was the rate I actually got.
Rekha DasCustomer23d ago
Staff 4★Loans 4★Charges 5★
They waived the processing fee when I asked, no drama.
Ajay ThakurBanker2026-06-06
Staff 4★Grievance 5★
Raised a complaint on Monday, got a call back Tuesday morning.
AnonymousCustomer2026-06-13
Digital 5★Grievance 4★
App has not crashed once in eight months of daily UPI use.
Suresh KumarCustomer2026-06-20
Staff 5★Digital 3★Deposits 4★
Branch manager sorted my KYC update in one visit, no runaround.
Divya MenonCustomer2026-06-27
Staff 4★Deposits 3★
Friendly staff, but the branch is understaffed on weekends.
Rahul VermaCustomer2026-07-04
Staff 3★Grievance 3★
They do resolve issues, just slower than they promise.
AnonymousCustomer2026-07-11
Staff 5★Digital 3★
Digital side is average, staff more than make up for it.
Praveen RanaCustomer29d ago
Staff 3★Deposits 3★Grievance 2★
FD premature closure took three visits to complete.
Rekha DasCustomer22d ago
Staff 3★Loans 1★Grievance 2★
Sanction letter took six weeks despite spotless paperwork.
Ajay ThakurCustomer2026-06-07
Staff 2★Grievance 2★
Complaint ticket stayed open for three weeks, no updates.
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