RBI complaint: Process to file a complaint with RBI banking ombudsman

[] In the capacity of the banking regulator, the RBI has the power to address the concerns of consumers against banks, HFCs and NBFCs. In this article, we look at how to go about filing a complaint with the RBI

What if you feel your concern has not been addressed properly by a bank, housing finance company or a non-banking finance company? Worse still, what if the bank has ignored your complaint? Does a banking customer have remedies other than the bank’s routine channels and internal ombudsman scheme introduced in 2018? The answer is, yes.

You are reading: RBI complaint: Process to file a complaint with RBI banking ombudsman

Since the buck stops with the Reserve Bank of India in the capacity of being the banking regulator, that is where you can proceed, to raise your grievance. The RBI banking ombudsman would resolve your complaint under the Reserve Bank – Integrated Ombudsman Scheme, 2021 , which was launched on November 12, 2021. 

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RBI ombudsman meaning

RBI banking ombudsman refers to senior officials appointed by the banking regulator, to address RBI complaint from customers pertaining to deficiency in banking services covered under the grounds of complaints specified under Clause 8 of the Banking Ombudsman Scheme 2006.

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RBI complaint email IDs, phone numbers

City RBI complaint address Area of operation
Ahmedabad N Sara Rajendra Kumar

C/o Reserve Bank of India

5th Floor, Nr. Income Tax,

Ashram Road

Ahmedabad-380 009

STD Code: 079

Tel. No. 26582357


Gujarat, Union Territories of Dadra and Nagar Haveli, Daman and Diu
Bangalore Saraswathi Shyamprasad

C/o Reserve Bank of India

10/3/8, Nrupathunga Road

Bengaluru -560 001

STD Code: 080

Tel. No. 22277660/22180221

Fax No. 22276114


Bhopal Hemant Kumar Soni

C/o Reserve Bank of India

Hoshangabad Road

Post Box No. 32, Bhopal-462 011

STD Code: 0755

Tel. No. 2573772




Madhya Pradesh
Bhubaneswar Biswajit Sarangi

C/o Reserve Bank of India

Pt. Jawaharlal Nehru Marg

Bhubaneswar-751 001

STD Code: 0674

Tel. No. 2396207

Fax No. 2393906


Chandigarh MK Mall

C/o Reserve Bank of India

4th Floor, Sector 17


Tel. No. 0172 – 2703937

Fax No. 0172 – 2721880


Himachal Pradesh, Punjab, Union Territory of Chandigarh and Panchkula, Yamuna Nagar and Ambala Districts of Haryana
Chennai Balu K

C/o Reserve Bank of India

Fort Glacis, Chennai 600 001

STD Code: 044

Tel No. 25395964

Fax No. 25395488


Tamil Nadu, UT of Puducherry (except Mahe Region) and Andaman and Nicobar Islands
Dehradun Arun Bhagoliwal

C/o Reserve Bank of India

74/1 G.M.V.N. Building, 1st floor,

Rajpur Road,

Dehradun – 248 001

STD Code : 0135

Telephone : 2742001

Fax : 2742001


Uttarakhand and seven districts of Uttar Pradesh viz., Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor and Amroha (Jyotiba Phule Nagar)
Guwahati Thotngam Jamang

C/o Reserve Bank of India

Station Road, Pan Bazar

Guwahati-781 001

STD Code: 0361

Tel.No. 2734219/ 2512929


Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland and Tripura
Hyderabad T Srinivasa Rao

C/o Reserve Bank of India

6-1-56, Secretariat Road

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Saifabad, Hyderabad-500 004

STD Code: 040

Tel. No. 23210013

Fax No. 23210014


Andhra Pradesh and Telangana
Jaipur Rekha Chandanaveli

C/o Reserve Bank of India,

4th floor Rambagh Circle,

Tonk Road, Jaipur – 302 004

STD Code: 0141

Tel. No. 2577931


Jammu Ramesh Chand

C/o Reserve Bank of India,

Rail Head Complex,

Jammu- 180012

STD Code : 0191

Telephone: 2477905

Fax : 2477219


UTs of J&K and Ladakh
Kanpur PK Nayak

C/o Reserve Bank of India

M. G. Road, Post Box No. 82

Kanpur-208 001

STD Code: 0512

Tel. No. 2305174/ 2303004


Uttar Pradesh (excluding Districts of Ghaziabad, Gautam Buddha Nagar, Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor and Amroha (Jyotiba Phule Nagar)
Kolkata Rabindra Kishore Panda

C/o Reserve Bank of India

15, Netaji Subhash Road

Kolkata-700 001

STD Code: 033

Tel. No. 22310217

Fax No. 22305899


West Bengal and Sikkim
Mumbai-I 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

Fax : 23022024


Districts of Mumbai, Mumbai Suburban and Thane
Mumbai-II SK Kar

C/o Reserve Bank of India,

4th Floor, RBI Byculla Office

Building, Opp. Mumbai Central

Railway Station, Byculla,

Mumbai-400 008

STD Code: 022

Telephone: 23001280/23001483

Fax : 23022024


Goa and Maharashtra, (except the districts of Mumbai, Mumbai Suburban and Thane)
Patna Rajesh Jai Kanth

C/o Reserve Bank of India

Patna-800 001

STD Code: 0612

Tel. No. 2322569/2323734

Fax No. 2320407


New Delhi-I RK Moolchandani

C/o Reserve Bank of India,

Sansad Marg, New Delhi

STD Code: 011

Tel. No. 23725445

Fax No. 23725218


North, North-West, West, South-West, New Delhi and South districts of Delhi
New Delhi-II Ruchi ASH

C/o Reserve Bank of India

Sansad Marg, New Delhi

STD Code: 011

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Tel. No. 23724856


Haryana (except Panchkula, Yamuna Nagar and Ambala Districts) and Ghaziabad and Gautam Budh Nagar districts of Uttar Pradesh
Raipur JP Tirkey

C/o Reserve Bank of India

54/949, Shubhashish Parisar, Satya Prem Vihar

Mahadev Ghat Road, Sundar Nagar, Raipur- 492013

STD Code : 0771

Telephone: 2244246


Ranchi Chandana Dasgupta

C/o Reserve Bank of India

4th Floor, Pragati Sadan,

RRDA Building,

Kutchery Road, Ranchi Jharkhand 834001

STD Code : 0651

Telephone : 8521346222/9771863111/


Fax : 2210511


Thiruvananthapuram G Ramesh

C/o Reserve Bank of India

Bakery Junction

Thiruvananthapuram-695 033

STD Code: 0471

Tel. No. 2332723/2323959

Fax No. 2321625


Kerala, UT of Lakshadweep and UT of Puducherry (only Mahe Region).

Source: RBI

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What kind of RBI complaints can you file with the banking ombudsman?

You can approach the RBI ombudsman, the authority that will address your concerns on behalf of the RBI, for all sorts of bank-related grievances, as mentioned in the list below.

If you think, for example, that a bank has rejected your home loan request, because of some bias or is avoiding to pass on the benefits of a low interest rate regime, you can approach the banking ombudsman. If there are any monetary wrongdoings on part of the bank with respect to your account, you can also approach the RBI.

Type of RBI complaints you can lodge with the banking ombudsman

For issuing unsolicited credit cards

The RBI has asked credit card companies neither to issue nor upgrade credit cards without the explicit consent of the customer. Without obtaining prior approval from the Reserve Bank, NBFCs should not issue debit cards, credit cards, charge cards, or similar product,s virtually or physically, it said

If they fail to do so, they will have to pay double the billed amount as penalty, the RBI said, in April 2022. “The person in whose name the card is issued can approach the RBI ombudsman who would determine the amount of compensation payable to the card issuer for loss of the complainant’s time, expenses incurred, harassment and mental anguish suffered by him,” it said.

The banking ombudsman can receive and consider any complaint relating to the following deficiency in banking services:

  1. Non-payment or inordinate delay in the payment or collection of cheques, drafts, or bills.
  2. Non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose and for charging of commission.
  3. Non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof.
  4. Non-payment or delay in payment of inward remittances.
  5. Failure to issue or delay in issue of drafts, pay orders or bankers’ cheques.
  6. Non-adherence to prescribed working hours.
  7. Failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents.
  8. Delays, non-credit of proceeds to parties’ accounts, non-payment of deposit or non-observance of the Reserve Bank of India directives, if any, applicable to rate of interest on deposits in any savings, current or other account maintained with a bank.
  9. Complaints from non-resident Indians (NRIs) having accounts in India in relation to their remittances from abroad, deposits and other bank-related matters.
  10. Refusal to open deposit accounts without any valid reason for refusal.
  11. Levying of charges without adequate prior notice to the customer.
  12. Non-adherence to the instructions of the Reserve Bank of India on ATM / debit card and prepaid card operations in India, by the bank or its subsidiaries.
  13. Non-adherence by the bank or its subsidiaries to the instructions of the Reserve Bank of India on credit card operations.
  14. Non-adherence to the instructions of the Reserve Bank of India, with respect to mobile banking / electronic banking services in India by the bank.
  15. Non-disbursement or delay in disbursement of pension (to the extent the grievance can be attributed to the action on the part of the bank concerned but not with regard to its employees).
  16. Refusal to accept or delay in accepting payment towards taxes.
  17. Refusal to issue or delay in issuing, or failure to service or delay in servicing or redemption of government securities.
  18. Forced closure of deposit accounts without due notice or without sufficient reason.
  19. Refusal to close or delay in closing the accounts.
  20. Non-adherence to the fair practices code as adopted by the bank.
  21. Non-adherence to the provisions of the Code of Bank’s Commitments to Customers issued by Banking Codes and Standards Board of India and as adopted by the bank.
  22. Non-observance of Reserve Bank of India guidelines on engagement of recovery agents by banks.
  23. Non-adherence to RBI guidelines on para-banking activities like sale of insurance / mutual fund / other third-party investment products by banks.
  24. Any other matter relating to the violation of the directives issued by the RBI in relation to banking or other services.

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Can a home buyer lodge an RBI complaint against a bank?

A home buyer can lodge an RBI complaint against a bank with the RBI ombudsman in the following cases:

  1. Non-observance of RBI directives on interest rates.
  2. Delays in sanction, disbursement or non-observance of prescribed time schedule for disposal of loan applications.
  3. Non-acceptance of application for loans without furnishing valid reasons to the applicant.
  4. Non-adherence to the provisions of the fair practices code for lenders as adopted by the bank or Code of Bank’s Commitment to Customers.
  5. Non-observance of any other direction or instruction of the Reserve Bank of India, as may be specified by the Reserve Bank of India for this purpose, from time to time.

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Can you file RBI complaint directly with the RBI banking ombudsman?

There are certain procedures that you have to follow, before you approach the ombudsman to lodge your RBI complaint. You have to first raise the issue with your bank, which is obligated to close your complaint within 30 days. If the bank fails to address your concerns or if you are not satisfied with the outcome of the proceeding, then, you can approach the RBI ombudsman.

Before you approach the RBI banking ombudsman, also note that ‘complaints pending in any other judicial forum will not be entertained by the banking ombudsman’.

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Where to file RBI complaint?

You may lodge your RBI complaint at the office of the Banking Ombudsman under whose jurisdiction the bank branch is situated (the information about the office has already been mentioned earlier in this article). For RBI complaints relating to credit cards and other types of services with centralised operations, the same may be filed before the banking ombudsman within whose territorial jurisdiction the billing address of the customer is located.

How can I file RBI complaint offline?

You can file RBI complaint in the physical mode at the centralised receipt and processing centre (CRPC) set up at RBI, 4th floor, Sector 17, Chandigarh, 160017.

How to file your RBI complaint?

There are three different ways in which you can lodge your complaint with the RBI:

  1. You can write to the RBI.
  2. You can file your complaint on the RBI complaint management system (CMS)
  3. You can call the office concerned.

1. How to file a complaint by writing to the RBI

Those who are more comfortable in dealing with postal methods, can file a complaint with the RBI ombudsman by writing a letter and sending it to the office of the ombudsman by post or fax or hand delivery. Note here that you have to file this written complaint with the banking ombudsman with supporting documents within a year of the bank having failed to resolve your grievance. Alternatively, you can also file your complaint with the ombudsman by writing an email to—–

How to draft your RBI complaint?

Even though it is not mandatory, it would be ideal to follow the format available on the RBI website while drafting the material for your complaint. The forms for this purpose are also available in all bank branches.

While submitting the complaint you have to mention details, such as your name, address, mobile number and bank account number.

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2. How to file a complaint on the RBI complaint management system portal (CMS)?

You can file an RBI complaint online through RBI’s Complaint Management System is accessible on desktop, as well as on mobile devices. Complaints would be directed to the ombudsman/regional office concerned.

Procedure to file an RBI complaint online

Go to the CMS RBI ( and click on ‘File a Complaint’.

How to file a complaint with the RBI banking ombudsman?

On the top right side of the page, select your preferred language to file the complaint. Also, select the ‘Type of Entity’ form among bank, NBFC or other.

How to file a complaint with the RBI banking ombudsman?

One you select the entity, the page will ask you to provide more information, including your mobile number, area of operation of the bank, state, district, bank name, etc. You will also be asked if your complaint is related to a credit card and you will have to provide your bank name, branch name, your name and your email ID if your answer is ‘yes’.

How to file a complaint with the RBI banking ombudsman?

On the next page, select if the complaint is sub-judice/under arbitration and proceed with filling the details about the complaint. After this, check the declaration and select nomination on whom the complaint is being raised. Also provide attachments, if any. Now, click on ‘submit’ to lodge your complaint.

RBI complaint in case of digital transactions

In case your digital transactions fail and the service provider is not able to address your concern, you can lodge a complaint with the RBI. This complaint could be filed over payment failures related to mobile, electronic fund transfers or prepaid payment instruments. For digital transactions, approach the Ombudsman for Digital Transactions within whose jurisdiction the branch or office of the bank is located.

3. Make a call

As mentioned in the table above, you can also call the office concerned, to raise your complaint. However, you would eventually have to lodge this complaint through a written medium, so that it can be addressed formally.

How to track your RBI complaint status?

For RBI complaint tracking, on the RBI CMS (, select your language, provide your complaint number and key in the captcha and click on ‘submit’ to get the status.

RBI complaint: What is the fee to file a complaint?

There is no fee to file a complaint with the banking ombudsman. In a circular issued in January 2021, the RBI reiterated that it does not charge any fee to address consumer complaints.

No fee for filing RBI complaint, clarifies banking regulator

The RBI, in March 2022, said it had noticed instances of misinformation being spread through certain sections of the social media about the Reserve Bank – Integrated Ombudsman Scheme 2021.

“These messages (on social media) are conveying to public at large to lodge their complaints against entities regulated by the RBI through third parties for a charge/fee or otherwise, for early redress of grievances,” the RBI said, clarifying that it does not have arrangements with any entity for redress of grievances against the regulated entities nor does it charge any fee for this. “The RBI has laid down a cost-free grievance redress mechanism under the RB-IOS, which does not involve payment of fees or charges in any form or manner,” the RBI said.

What happens after you file a complaint with the RBI?

After filing your complaint, you will be provided with a unique identification number (UID) for tracking the progress of your case. There are two things that will happen as the ombudsman pursues this case – it will either help you and your bank reach an amicable solution or an order will be passed.

How much time will the RBI take to resolve the complaint?

The banking ombudsman will take between six to eight weeks to resolve the issue. In this period, representatives from the RBI office might also contact you, to confirm the details of your complaint.

How much compensation can I get from the RBI?

In case the bank is ordered to make monetary compensation, because of a dispute over money, the refund will be Rs 20 lakhs or the amount arising directly out of the act or omission or commission of the service provider, whichever is lower. This compensation will be over and above the disputed amount. In addition to this, you may also be awarded a compensation not exceeding Rs 1 lakh for the mental agony and harassment, factoring in the loss of time and money.

What if you are not happy with the banking ombudsman’s decision?

There is a provision for you to go further in case you are not happy with the banking ombudsman’s decision. You can now approach the Appellate Authority in the RBI, to get your grievance addressed. In case you are not satisfied with the decision of the Appellate Authority also, you can write to the RBI deputy governor. Ultimately, you may have to approach the consumer courts if all else fails.


How to track RBI ombudsman complaint?

To track RBI ombudsman complaints, enter your complaint number on the RBI complaint portal (, to get the status.

Banking ombudsman scheme was introduced by RBI in which year?

The banking ombudsman scheme was first introduced by the RBI in 1995.

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Category: Lifestyle

Debora Berti

Università degli Studi di Firenze, IT

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