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How to file a bank complaint with RBI's ombudsman
Bank charged you incorrectly or failed to reverse a debit? File a complaint with your bank first, then escalate to RBI's ombudsman within 90 days. Most cases resolved in a month.
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If your bank charges an incorrect fee or fails to reverse an unauthorised debit, you have a formal route to seek redress. Every regulated financial entity in India must follow the Reserve Bank of India's grievance redressal process, which ultimately lets customers escalate to the central bank's Integrated Ombudsman Scheme.
The first step is a written complaint to the bank or NBFC. Wait for a response. If the bank does not reply within 30 days, or if you are unhappy with the reply, you can move to the RBI's complaint management system.
Log on to the portal, click "file a complaint", select the entity category (bank, NBFC, payment system participant, or credit information company), then the specific institution. An OTP is sent to your registered mobile number, which becomes your permanent login for tracking. Fill in contact details, transaction information, and the relief you are seeking. Upload the earlier complaint, the bank's reply, KYC documents, and any proof.