RBI Banking ombudsman scheme | Register Complaint Against Bank, Download Complaint Form 2021

RBI Banking ombudsman scheme allows consumers to file complaints against banks if needed. There is a proper system to submit your complaints online & check the grievance status. There is a list of acceptable complaint types under the ombudsman scheme to ensure that only relevant complaints are made. The main objective of this scheme is to address the grievances of the customers of different banks like Scheduled Commercial Banks, Regional Rural Banks, and Scheduled Primary Co-operative banks.

RBI appoints ombudsman across various regions. The contact details of these persons along with their jurisdiction can be checked online.

RBI Banking ombudsman scheme

There are times when consumers just can’t get their bank-related complaints resolved. Although most of the banks try to resolve customer grievances from their end, in very rare cases when even banks don’t listen, you can use the power of the banking ombudsman. This article explains the online process to file a complaint against a bank using the RBI Ombudsman Scheme, download the Complaints Form.

List of Complaints allowed by the ombudsman

Let us see the list of complaints allowed by the ombudsman from the customers of the listed banks.

1. Non-payment or unreasonable delay in the payment
2. Non-adherence to prescribed working hours of the bank.
3. Levying charges without adequate prior notice to the customer.
4. Failure /Delay concerning the issue, service, or redemption of Government securities.
5. Banks’ refusal to close or delay in closing accounts.
6. Not following the fair practices code as adopted by the bank;
7. Non-adherence to RBI instruction concerning Mobile Banking / Electronic Banking service in India.
8. Non-payment or delay in payment of inward remittances.
9. Refusal to open deposit accounts without any valid reason for this refusal.
10. Any other matter relating to the violation of RBI guidelines.

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How to register complaint against any bank to ombudsman, Online or Offline

Let us see the online procedure to register a complaint against a bank using the official portal of RBI.

• Visit the Official Portal of RBI CMS.
• It takes the online applicant to the Home Page below.

• Click on the File a Complaint tab on the following page.
• It then redirects the online users to the next web page below.
• Select the Type of Entity on the newly opened page.

• Here we have selected the option as a bank.
• Enter the Mobile Number, Area of Operation of BO, State, District, and Bank Name.

• Answer Yes/No for the question: Is the complaint related to a credit card?
• Select/Enter Bank Category, Bank Branch Name, Name of the Complainant, and Email.
• Click on the Next button.
• It then takes the online applicant to the next page.
• Answer Yes/No for the below questions, as shown below.

• On the next page, answer few more questions.
• Enter/Select the Date of Complaint, Complaint Category, Ground of Complaint, Description.

• Answer the question: Have you received a reply from the bank.
• Click on the Next Button.
• On the next page, enter the Complainant details such as Name, Gender, Age, Category, Email, Mobile Number, Telephone Number, and Address.

• Click on the Next Button.
• Enter the Bank Details on the next page like Name, Branch Name, Centre, State, District, Urban Category, Nodal Officer Name, Address, and Date of the disputed transaction and other details.

• Click on the Next Button.
• On the Next Page, Select/Enter the Account Category, Account Sub-Category, and Bank Account Number.

• Click on the Declaration Checkbox at the end and click on the Next button.

• Click on Yes under the Nomination Question and click on the Next button.

• Enter the Captcha Code and click on the Next button.

• It then successfully registers the complaint against the concerned bank.

Contact RBI Banking ombudsman of your Region

How to check Status of Complaint Made to Ombudsman

After submitting your complaint, you can easily check the status or track your application. Here are the steps:

• Visit the Complaint Tracking Page
• Enter the complaint number that you have at the space provided

• Enter the captcha code and hit the submit button to know the status of your application

Download Complaint Form 2021

The applicants can also download the complaint form, fill it manually, and submit it to the concerned officials to get their complaints answered through the RBI Banking Ombudsman Scheme.

• Click Here to download the RBI Banking Ombudsman complaint Form.

More questions related to this topic & their answers

Can I file the complaint through both online and offline modes?

Yes, the applicants can file complaints against banks both through online and offline modes.

What types of complaints can the customers file against the banks through the RBI ombudsmen scheme?

The customers can file the complaints like account debited but cash not dispensed by ATM, Account debited more than once, and other complaints against the bank.

On which types of banks, the customers are allowed to file the complaints?

The customers can file complaints on different banks like Scheduled Commercial Banks, Regional Rural Banks, and Scheduled Primary Co-operative banks.

Are there any chances that your complaint gets rejected by the ombudsman?

Yes, if there is no genuineness of the complaint or the dispute has already been settled earlier, the ombudsman will reject your complaint.

Last Updated on June 10, 2021 by Vaibhav Tiwari