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Banking Ombudsman (RBI)

File Banking Complaints — RBI Grievance Redressal

Official Website 14448 (RBI Helpline) | cms.rbi.org.in
Fees: Completely free
Processing: 30–90 days

What is Banking Ombudsman (RBI)?

The Banking Ombudsman is a quasi-judicial authority appointed by RBI. It resolves customer complaints against banks for unauthorized transactions, ATM failures, loan disbursement delays, and poor service — completely free of cost.

Who Can Apply

  • All bank customers with unresolved complaints
  • Must first complain to bank and wait 30 days
  • Complaint must be within 1 year of bank's final reply

Documents Required

  • Written complaint with details
  • Bank's rejection/no-response proof
  • Transaction proof (bank statements, receipts)
  • Previous correspondence with bank

Step-by-Step Guide

1

Complain to Bank First

File complaint with bank's grievance cell. Wait 30 days for resolution.

2

File Online Complaint

Visit cms.rbi.org.in (Complaint Management System) to file online complaint.

3

Fill Complaint Form

Provide bank name, account details, complaint type, and attach documents.

4

Track Status

Use complaint reference number to track progress on CMS portal.

5

Receive Resolution

Ombudsman issues award within 30 days. Can appeal to Appellate Authority if unsatisfied.

Go to Official Portal

Important Tips

  • Always complain to bank first and keep written proof
  • File complaint within 1 year of bank's final reply
  • Use cms.rbi.org.in for fastest resolution
  • Keep all transaction records, SMS, and email proofs

Frequently Asked Questions

QWhat complaints can I file?

ATM failures, unauthorized transactions, loan issues, internet banking fraud, credit card disputes, and poor banking service.

QWhat is the maximum compensation?

Up to ₹20 lakh for actual loss + up to ₹1 lakh for mental harassment.

QCan I complain against NBFCs?

Yes, NBFC Ombudsman covers complaints against registered NBFCs for loan, deposit, and service issues.

Fees

Completely free

Helpline

14448 (RBI Helpline) | cms.rbi.org.in

Processing: 30–90 days

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