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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.