Dealing with banking troubles? Here's how to report them to the RBI Ombudsman

It is common to encounter difficulties with day-to-day banking services, such as failed ATM withdrawal transactions, unexpected charges, and credit card problems. But the customer has the option to report the issue to the bank and get it resolved. However, if the issue remains unsettled, the customer can move to the Reserve Bank of India's (RBI) Ombudsman for an effective resolution.

What is the Banking Ombudsman Scheme?

The Banking Ombudsman Scheme is RBI's platform for bank customers to resolve complaints about services rendered by banks. It has been in effect since 1995.

Who is a Banking Ombudsman?

The Banking Ombudsman is a RBI-appointed senior official to settle customer complaints against deficiency in banking services covered under the complaint specified under Clause 8 of the Banking Ombudsman Scheme 2006.

Banking Ombudsman Scheme: Banks covered

All scheduled commercial banks, primary cooperative banks as well as regional rural banks are covered under the scheme.

Banking Ombudsman: How to lodge a complaint?

• Visit https://cms.rbi.org.in/cms/indexpage.html#
• Enter the captcha to proceed further
• Fill in your name and registered mobile number and generate an OTP
• Enter OTP and validate mobile number
• Enter your personal email address and verify using OTP
• Select the complainant category as an individual
• Enter details like state, district and pin code
• Enter details of the bank
• Give appropriate answers concerning your complaint filed with the bank
• Select the complaint category from the dropdown menu. E.g., loans and advances, ATMs, etc.
• Enter the amount involved in the dispute
• Accept the declaration
• Click on 'review and submit'
• Click on 'submit' to lodge your complaint

After submitting the case, the banking ombudsman will examine the case and provide a resolution within 30 days.