Filing a complaint with the Banking Ombudsman

Last updated on Jun 7, 2022

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.

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August 30, 2022

The RBI ombudsman doesn’t accept my complaint as it is against RBI management. What is the recourse open to me?


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.


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


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?

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