Family & Marriage
Money & Property
Crimes & Violence
Police & Courts
Labour & Employment
Health & Environment
Citizen Rights & Constitution
Government & Elections
Media & Intellectual Property
Videos
Guides
Sample Forms
Statewise Information
General
Children
Women
LGBTQI+
Employees
Persons with Disabilities
Scheduled Castes & Tribes
Senior Citizens
Informal Workers
If you are not satisfied with the solution provided by the bank and would like to further enquire the matter, you can approach the Banking Ombudsman established by the Reserve Bank of India under the Banking Ombudsman Scheme, 2006. Each bank is required to display at its branch the details of the Banking Ombudsman under whose jurisdiction the branch falls. Complaints may be lodged with the respective Banking Ombudsman here.
You can only do this once you have tried to settle matters with the bank, and failed. If you file a case in Court, such as the Consumer Court, you cannot approach the Ombudsman while the case is going on.
If you are not satisfied with the decision of the Banking Ombudsman, you may approach the appellate authority against the Ombudsman’s decision – the Deputy Governor who is in charge of dealing with the implementation of the Banking Ombudsman Scheme, Reserve Bank of India. This appeal must be made within 30 days of the Ombudsman’s decision.
Ramakrishnan
August 30, 2022
The RBI ombudsman doesn’t accept my complaint as it is against RBI management. What is the recourse open to me?
Nyaaya
September 5, 2022
Any person aggrieved by an Award issued under Clause 12 or the decision of the Banking Ombudsman rejecting the complaint for the reasons specified in sub-clause (d) to (g) of Clause 13 of the Banking Ombudsman Scheme 2006 (As amended up to July 1, 2017) can approach the Appellate Authority. The Appellate Authority is vested with a Deputy Governor of the RBI. You can file the appeal against the award or decision of the Banking Ombudsman rejecting the complaint within 30 days of the date of receipt of the Award. The appellant authority can then dismiss the appeal, allow the appeal, send the matter to the Banking Ombudsman for fresh disposal in accordance with such directions as the appellate authority may consider necessary or proper; or pass any other order as it may deem fit. The order of the Appellate Authority shall have the same effect as the award passed by Ombudsman under clause 15 or the order rejecting the complaint under clause 16, as the case may be.
R P Malik
July 23, 2023
I am unable to find the address of ombudsman having jurisdiction for the complaint against bank branch in Sonepat (Haryana)
Jazz
July 7, 2023
How can one reach out to the Deputy Governor?
Bobby
July 21, 2023
I have complaint to the State Bank of India that I have transferred the money to in a wrong account but yet now I have not get refund
JAGJEET kour
January 31, 2024
Sir… I’m a widow lady of 63 years… Was fraudulent by online Irda Officials who after made Insurance Policies in my name took money from me through various bank Accounts..
The process was taken further by Insurance Ombudsman.. Assistant Fund Manager.. Promising to return my money… But No Results till now as lots of money is taken by them assuring to return the sy my Loank
Alka Manral
May 30, 2024
IRDAI is a regulatory body that deals exclusively with complaints related to insurance companies. To report fraud, you must either file a police complaint or raise a complaint on the Cyber Crime portal.
Please follow these steps to file a complaint through the online portal: i) Any victim of financial cyber fraud can dial helpline number 1930 or report theincident on National Cybercrime Reporting Portal (www.cybercrime.gov.in).
ii) A Bank or financial intermediary or payment wallet can also report financial cyber fraud through above-mentioned modes.
iii) The complainant must provide the following information in case incident is reported on helpline number:
• Mobile Number of the complainant
• Name of Bank/Wallet/Merchant from which amount has been debited
• Account No./Wallet Id/Merchant Id/UPI Id from which amount has been debited
• Transaction Id
• Transaction date
• Debit card/Credit card number in case of fraud made by using credentials of Debit card/Credit card
• Screen shot of transaction or any other image related to fraud, if available
iv) After reporting of complaint/incident, the complainant will get a system generated Log-in Id/acknowledgement number through SMS/Mail. Using the above Log-in Id/acknowledgement number, the complainant must complete registration of complaint on National Cybercrime Reporting Portal (www.cybercrime.gov.in) within 24
hours. This is mandatory.
v) On receipt of complaint, the designated Police Officer will quickly examine the matter and after verification report to concerned Bank/financial intermediary or payment wallet, etc., for blocking the money involved in the financial cyber fraud.
vi) Thereafter, due action as per law will be taken in each case by Police/Bank/Payment wallet/Financial Intermediary.
vii) Use of this facility will help a victim of financial cyber fraud in retrieving the money and help Police in identifying the cyber criminal(s) and take legal action as per law.
Sikha
December 7, 2024
IRDAI is a regulatory body that deals exclusively with complaints related to insurance companies. To report fraud, you must either file a police complaint or raise a complaint on the Cyber Crime portal.
Please follow these steps to file a complaint through the online portal: i) Any victim of financial cyber fraud can dial helpline number 1930 or report theincident on National Cybercrime Reporting Portal (www.cybercrime.gov.in).
ii) A Bank or financial intermediary or payment wallet can also report financial cyber fraud through above-mentioned modes.
iii) The complainant must provide the following information in case incident is reported on helpline number:
• Mobile Number of the complainant
• Name of Bank/Wallet/Merchant from which amount has been debited
• Account No./Wallet Id/Merchant Id/UPI Id from which amount has been debited
• Transaction Id
• Transaction date
• Debit card/Credit card number in case of fraud made by using credentials of Debit card/Credit card
• Screen shot of transaction or any other image related to fraud, if available
iv) After reporting of complaint/incident, the complainant will get a system generated Log-in Id/acknowledgement number through SMS/Mail. Using the above Log-in Id/acknowledgement number, the complainant must complete registration of complaint on National Cybercrime Reporting Portal (www.cybercrime.gov.in) within 24
hours. This is mandatory.
v) On receipt of complaint, the designated Police Officer will quickly examine the matter and after verification report to concerned Bank/financial intermediary or payment wallet, etc., for blocking the money involved in the financial cyber fraud.
vi) Thereafter, due action as per law will be taken in each case by Police/Bank/Payment wallet/Financial Intermediary.
vii) Use of this facility will help a victim of financial cyber fraud in retrieving the money and help Police in identifying the cyber criminal(s) and take legal action as per law.
Abhi
April 5, 2024
My complaint under the integrated ombudsman scheme 2021 has been rejected by the ombudsman under clause 16.2.a. and they have mentioned in their email that complaints rejected under the mentioned clause aren’t eligible for appeal.
What do I do as I strongly feel justice has been denied to me by the ombudsman?
Samson Singh
May 27, 2024
My father has gone through a online fraud, which was reported to bank and cyber crime as well, its almost 30 days, and still what we hear is just investigation is on, my father is 75 years and a heart patient, in this case what should be the next level to get our money back, and one more thing which i would like to mention is that he has not given any details nor even does he carry a ATM or Debit card
Sikha
December 7, 2024
Since your complaint under the Integrated Ombudsman Scheme 2021 (IOS) was rejected due to clause 16.2.a., which deals with “no deficiency in service,” your options for appeal are indeed limited. However, there are still some steps you can consider:
1. Seek Clarification: You can reply to the Ombudsman’s email requesting clarification on their reasoning. Perhaps a misunderstanding exists, and additional information from you could change their assessment.
2. Explore Alternative Dispute Resolution (ADR): If clarification doesn’t work, consider exploring Alternative Dispute Resolution (ADR) mechanisms offered by the bank or financial institution involved. ADR can be mediation or conciliation, which can sometimes lead to a faster and more amicable resolution.
3. Approach Regulatory Body (if applicable): Depending on the nature of your complaint, there might be a specific regulatory body overseeing that industry. For instance, if it relates to a specific bank, you could approach the Reserve Bank of India (RBI). These bodies might have grievance redressal mechanisms you can utilize.
4. Consumer Protection Act 2019: You can approach the relevant Consumer Commission (depending on jurisdiction) and file consumer complaint because deficiency in service is a valid ground under the Act. Banking service will be covered by the scope of the Act.