Table of Contents
- What are the type of RBI complaints can be lodge with banking ombudsman?
- When to file RBI complaint directly with RBI banking ombudsman?
- How to File complaint with the RBI Ombudsman
- Where should complaints be submitted for the Banking Ombudsman?
- How to track your RBI complaint status?
- What is the typical resolution time for RBI to address a complaint?
If you're unhappy with your bank's response to an issue, you can turn to the Reserve Bank of India's banking ombudsman. They oversee and handle complaints for various financial institutions, including banks, NBFCs, and payment providers. This gives you a way to address your concerns and seek resolution beyond the bank's response.
What are the type of RBI complaints can be lodge with banking ombudsman?
Types of RBI Complaints Lodgeable with Banking Ombudsman:
- Cheque/Draft Issues: Non-payment or delay in payment of cheques, drafts, or bills.
- Currency Matters: Refusal to accept small denomination notes or coins.
- Remittances: Delay or non-payment of inward remittances.
- Issuance Delays: Failure to issue drafts, pay orders, or bankers' cheques.
- Service Delays: Non-adherence to working hours. Delay in providing promised banking services.
- Account Concerns: Delays in credit, non-payment of deposits, interest issues. Issues for NRIs' accounts and remittances.
- Charges Disputes: Charges levied without proper notice.
- Card and Electronic Banking: Non-adherence to RBI guidelines for card operations. Non-adherence to mobile/electronic banking guidelines.
- Pension and Tax Matters: Pension disbursement issues. Refusal/delay in accepting tax payments.
- Securities and Accounts: Redemption or service issues with government securities. Account closure/refusal issues.
- Ethical Practices: Violations of fair practices code. Non-adherence to banking commitments/code.
- Recovery Agents: Violations of RBI guidelines on recovery agents.
- Para-Banking Activities: Non-adherence to RBI guidelines for third-party products.
- Directive Violations: Any matter related to RBI directive violations.
These complaints can be addressed through the RBI Banking Ombudsman for resolution.
When to file RBI complaint directly with RBI banking ombudsman?
You should directly approach the RBI Banking Ombudsman to file a complaint when:
- Bank Complaint Procedure: After addressing the bank, if your issue remains unresolved within 30 days or you're unsatisfied.
- Judicial Forums: If you haven't lodged a complaint in another judicial forum, you can approach the RBI Ombudsman.
How to File complaint with the RBI Ombudsman
Steps to file a complaint with the RBI Ombudsman online are:
- Website Access: Visit the official website https://cms.rbi.org.in.
- Complaint Details: Enter your complaint details on the website.
- Complaint Letter: Upload a complaint letter that outlines the issue.
- Supporting Documents: Attach relevant supporting documents for your complaint.
- Bank Communication: Include a copy of your original complaint to the bank.
- Bank Response: Add a copy of the response you received from the bank.
- File Formats: Ensure all documents are uploaded in PDF or .txt format.
Submitting these details online will help initiate the complaint process with the RBI Ombudsman.
Where should complaints be submitted for the Banking Ombudsman?
Complaint through Physical or electronic mode can be made to the Centralised Receipt and Processing Centre at following address of Banking Ombudsmen.
Address and Area of Operation of RBI Ombudsmen
| Centre | Name & Address of the Office of RBI Ombudsman |
| Ahmedabad | Smt. N Sara Rajendra Kumar C/o Reserve Bank of India 4th Floor, "Riverfront House", Behind H.K. Arts College, Between Gandhi & Nehru Bridge, Pujya Pramukh Swami Marg (Riverfront Road - West), Ahmedabad-380 009 STD Code: 079 Tel. No. 26582357 |
| Bengaluru | Smt. Jayasree Gopalan C/o Reserve Bank of India 10/3/8, Nrupathunga Road Bengaluru -560 001 STD Code: 080 Tel. No. 22277660/22180221 |
| Bhopal | Shri Sivakumar Bose C/o Reserve Bank of India Hoshangabad Road Post Box No. 32, Bhopal-462 011 STD Code: 0755 Tel. No. 2573772 |
| Bhubaneswar | Smt. N. Mohana C/o Reserve Bank of India Pt. Jawaharlal Nehru Marg Bhubaneswar-751 001 STD Code: 0674 Tel. No. 2396207 |
| Chandigarh | Shri Rajeev Dwivedi C/o Reserve Bank of India 4th Floor, Sector 17 Chandigarh STD Code: 0172 Tel. No. - 2721109, 2721011, 2727118 |
| Chennai (I) | Dr (Smt) Tuli Roy C/o Reserve Bank of India Fort Glacis, Chennai 600 001 STD Code: 044 Tel No. 25395964 Fax. 25395488 |
| Chennai (II) | Smt Nandita Singh C/o Reserve Bank of India Fort Glacis, Chennai 600 001 STD Code: 044 |
| Dehradun | Shri Manish Parashar C/o Reserve Bank of India 74/1 G.M.V.N. Building, 1st floor, Rajpur Road, Dehradun - 248 001 STD Code: 0135 Tel No.: 2742006 |
| Guwahati | Shri Partha Choudhuri C/o Reserve Bank of India Station Road, Pan Bazar Guwahati-781 001 STD Code: 0361 Tel.No. 2542556 |
| Hyderabad | Shri Chinmoy Kumar C/o Reserve Bank of India 6-1-56, Secretariat Road Saifabad, Hyderabad-500 004 STD Code: 040 Tel. No. 23210013 |
| Jaipur | Smt Baljit Birah C/o Reserve Bank of India, 4th floor Rambagh Circle, Tonk Road, Jaipur - 302 004 STD Code: 0141 Tel. No. 2577931 |
| Jammu | Shri Ramesh Chand C/o Reserve Bank of India, Rail Head Complex, Jammu- 180012 STD Code: 0191 Tel No.: 2477905 |
| Kanpur | Smt. Chandini Moolchandani C/o Reserve Bank of India M. G. Road, Post Box No. 82 Kanpur-208 001 STD Code: 0512 Tel. No. 2305174/2303004 |
| Kolkata (I) | Shri Rabindra Kishore Panda C/o Reserve Bank of India 15, Netaji Subhash Road Kolkata-700 001 STD Code: 033 Tel. No. 22310217 |
| Kolkata (II) | Ms. Mary Lianlunkim Deng C/o Reserve Bank of India 15, Netaji Subhash Road Kolkata-700 001 STD Code: 033 Tel. No. 22628771 |
| Mumbai (I) | Dr. Neena Rohit Jain C/o Reserve Bank of India 4th Floor, RBI Byculla Office Building, Opp. Mumbai Central Railway Station, Byculla, Mumbai-400 008 STD Code: 022 Tel No. 23022028 |
| Mumbai (II) | Shri H.N. Iyer C/o Reserve Bank of India, 1st Floor, RBI Byculla Office Building, Opp. Mumbai Central Railway Station, Byculla, Mumbai-400 008 STD Code: 022 Tel No.: 23001280 |
| Patna | Shri Vijay Kumar Nayak C/o Reserve Bank of India Patna-800 001 STD Code: 0612 Tel. No. 2322569/2323734 |
| New Delhi (I) | Shri R.K. Moolchandani C/o Reserve Bank of India, Sansad Marg, New Delhi STD Code: 011 Tel. No. 23725445 |
| New Delhi (II) | Smt. Suchitra Maurya C/o Reserve Bank of India, Sansad Marg, New Delhi STD Code: 011 Tel. No. 23715393 |
| Raipur | Shri J. P. Tirkey C/o Reserve Bank of India 54/949, Shubhashish Parisar, Satya Prem Vihar Mahadev Ghat Road, Sundar Nagar, Raipur- 492013 STD Code: 0771 Tel. No: 2244246 |
| Ranchi | Shri Ranjeev Shanker C/o Reserve Bank of India Fourth Floor, Pragati Sadan, RRDA Building, Kutchery Chowk, Ranchi – 834001 Jharkhand STD Code: 0651 Tel No.: 2210512 Fax No.: 2210515 |
| Shimla | Shri Shiv Kumar Yadav C/o Reserve Bank of India Main Market, Kasumpti Shimla - 171 009 Himachal Pradesh STD Code: 0177 Tel. No. 2627320 |
| Thiruvananthapuram | Shri R. Kamalakannan C/o Reserve Bank of India Bakery Junction Thiruvananthapuram-695 033 STD Code: 0471 Tel. No. 2326769 |
How to track your RBI complaint status?
To track your RBI complaint status, follow these steps:
- Visit the RBI CMS website at https://cms.rbi.org.in/.
- Choose your preferred language.
- Enter your complaint number.
- Input the captcha code.
- Click on the 'submit' button.
- You will then receive the current status of your complaint.
What is the typical resolution time for RBI to address a complaint?
The banking ombudsman process takes around six to eight weeks to resolve issues. During this time, RBI representatives may reach out to you to verify your complaint details.
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