Reserve Bank of India (RBI) has taken the initiative of, the Banking Ombudsman to redress the complaints related to banking services. Integrated Ombudsman Scheme, 2021 takes cases of the banking and services regulated under the Reserve Bank of India act, 1934, Banking Regulation act, 1949, and Payments and Settlement Systems Act, 2007.
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RBI has provided an integrated Banking Ombudsman for the consumers to register complaints against the issues and services of Commercial banks, NBFC, cooperative banks, Prepaid Payment Instruments (PPI) and other banking & non-banking service companies.
Categories of the Banks & Financial Institutes:
- Nationalised Banks
- Commercial Banks
- Indian Private Banks
- Local Area Banks (LABs)
- Small Finance Banks (SFBs)
- Payment Banks (PBs)
- Foreign Banks
- State Co-operative Banks
- Scheduled Urban Co-operative Banks
- Regional Rural Banks
- Financial Institutions
- National Bank for Agriculture and Rural Development
- Export-Import Bank of India
- National Housing Bank
- Small Industries Development Bank of India
- Non-Banking Finance Company (NBFC)
- Prepaid Payment Instruments (PPIs)
What is the Banking Ombudsman of RBI?
Integrated Banking Ombudsman was started under the scheme of integrated Ombudsman Scheme, 2022 by RBI. RBI has established the Office of Ombudsman to take complaints about the banking services, NBFC, and payment transactions & financial services.
The banking Ombudsman of RBI has two officials that take the cases, hear and order the final decision against the complaint. The Ombudsman and Deputy Ombudsman are the higher official members of the office.
The Type of Complaints:
The complaints can be registered for these financial services to get redressal of the money-related issues.
Visit the above links to get the official address and contact details of the concerned bank, NBFC and PPI to register complaints about the financial services & banking transactions.
Consumer Cases on Banking
- Failure /Delay in repaying deposits
- Payment and Collection of Cheques/Drafts
- Loans and Advances
- Security for loans
- Lien
- Bank Guarantee
- Locker
- Security on bank’s premises
- Other Banking Services
- Closing of account
- Refusal of Cheque book
- Service charges
- Rendering of account
- Succession Certificate
- Insistence on the denomination of notes
- Forgery of Power of Attorney
- Compliance with RBI directions
- Vicarious Liability
- Rude behaviour
- Strike
If your complaint is not redressed by the department concerned of the financial service provider within the given time. Customers can approach the Banking Ombudsman, RBI, to file a petition.
Use the below instructions and information to get redressal of your complaint and also file a petition against the financial companies or banking service providers in India that are regulated by the Reserve Bank of India.
How to Register Financial Complaints to Banking Ombudsman, RBI?
Customers can use the below official details to register complaints about financial issues to the Banking Ombudsman of RBI. RBI has provided an online portal to file complaints. Follow the below details to get redressal of your issues.
Official Details of Banking Ombudsman, RBI for Complaints & Services:
| Register Online Complaint to Ombudsman | Register Now |
| Register Complaints to Banks & NBFCs | Register Now |
| Lodge Complaint Against RBI | Register |
| RBI Toll-Free Number | 14448 |
| RBI Helpdesk | Contact Now |
| RBI Mobile App | Android | iOS |
| Social Media | twitter | Youtube |
Other Services of RBI:
| Monetary Policy | Click Here |
| Financial Inclusion and Development | Click Here |
| Financial Market | Click Here |
| Consumer Education and Protection | Click Here |
Procedure to Register Complaint to Integrated Banking Ombudsman, RBI
Integrated Banking Ombudsman, RBI has provided a CMS portal to register complaints about the issues of banking and financial services. Follow the below steps and procedure to get faster redressal of your grievance.
Grievance Redressal Fee & Time:
| Banking Ombudsman Grievance Fee | No Fee (Nil) |
| Redressal Time | 30 to 60 Days |
| Acknowledgement Receipt Time | 5 Days |
| The Case Hearing Deposit (Refundable) | As per Ombudsman |
Procedure:
Step 1: Click Out – File now online complaint to Banking Ombudsman, RBI
Step 2: Click ‘File a Complaint’ and enter the captcha then click on the next button.
Step 3: Enter the name of the complainant, and mobile number then validate OTP.
Step 4: Fill out the required pieces of information.
- Select the Complainant Category:
- Individual
- Individual-Business
- Proprietorship Partnership
- Limited Company
- Trust
- Associations
- Government Department
- PSU
- Senior Citizen
- Other Type
- Select the state of residence and district
- Enter the Address and Pin Code
Step 5: Provide the information related to the Entity against which the complaint or grievance is being lodged. Select the right options and click next.
Step 6: Provide the details of the issue and Upload the required document. Submit it and note down the complaint reference number or acknowledgment number.
Step 7: Click Out – Track your complaint
If your complaint is not resolved or unsatisfied with the redressal of the issue. You can file an appeal to RBI to get redressal of your grievance. Use the above link to file an appeal.
Regional Office Address and Contact Details of RBI Ombudsman
| Centre/Regional Office | Address of RBI Ombudsman |
|---|---|
| Ahmedabad | C/o Reserve Bank of India 4th Floor, “Riverfront House”, Behind H.K. Arts College, Between Gandhi & Nehru Bridge, Pujya Pramukh Swami Marg (Riverfront Road – West), Ahmedabad-380009 +917926582357 [email protected] |
| Bengaluru | C/o Reserve Bank of India 10/3/8, Nrupathunga Road Bengaluru -560001. +918022277660 +918022180221 [email protected] |
| Bhopal | C/o Reserve Bank of India Hoshangabad Road Post Box No. 32, Bhopal-462011 07552573772 07552573779 [email protected] |
| Bhubaneswar | C/o Reserve Bank of India Pt. Jawaharlal Nehru Marg Bhubaneswar-751001 06742396420 06742396207 [email protected] |
| Chandigarh | C/o Reserve Bank of India 4th Floor, Sector 17 Chandigarh 01722721109 01722721011 01722727118 [email protected] |
| Chennai | C/o Reserve Bank of India Fort Glacis, Chennai 600 001 04425395964 [email protected] |
| Dehradun | C/o Reserve Bank of India 74/1 G.M.V.N. Building, 1st floor, Rajpur Road, Dehradun – 248001 01352742006 [email protected] |
| Guwahati | C/o Reserve Bank of India Station Road, Pan Bazar Guwahati-781 001 03612542556 [email protected] |
| Hyderabad | C/o Reserve Bank of India 6-1-56, Secretariat Road Saifabad, Hyderabad-500 004 04023210013 [email protected] |
| Jaipur | C/o Reserve Bank of India, 4th floor Rambagh Circle, Tonk Road, Jaipur – 302004 01412577931 [email protected] |
| Jammu | C/o Reserve Bank of India, Rail Head Complex, Jammu- 180012 01912477905 [email protected] |
| Kanpur | C/o Reserve Bank of India M. G. Road, Post Box No. 82 Kanpur-208 001 05122305174 05122303004 [email protected] |
| Kolkata | C/o Reserve Bank of India 15, Netaji Subhash Road Kolkata-700001 03322310217 [email protected] |
| Mumbai (I) | C/o Reserve Bank of India 4th Floor, RBI Byculla Office Building, Opp. Mumbai Central Railway Station, Byculla, Mumbai-400 008 02223022028 [email protected] |
| Mumbai (II) | C/o Reserve Bank of India, 4th Floor, RBI Byculla Office Building, Opp. Mumbai Central Railway Station, Byculla, Mumbai-400008 02223001483 [email protected] |
| Patna | C/o Reserve Bank of India Patna-800001 06122322569 06122323734 [email protected] |
| New Delhi (I) | C/o Reserve Bank of India, Sansad Marg, New Delhi 01123725445 [email protected] |
| New Delhi (II) | C/o Reserve Bank of India, Sansad Marg, New Delhi 01123724856 [email protected] |
| New Delhi (III) | C/o Reserve Bank of India Sansad Marg, New Delhi 01123715393 [email protected] |
| Raipur | C/o Reserve Bank of India 54/949, Shubhashish Parisar, Satya Prem Vihar Mahadev Ghat Road, Sundar Nagar, Raipur- 492013 07712244246 [email protected] |
| Ranchi | orgC/o Reserve Bank of India 4th Floor, Pragati Sadan, RRDA Building, Kutchery Road, Ranchi Jharkhand 834001 8521346222 9771863111 7542975444 [email protected] |
| Thiruvananthapuram | C/o Reserve Bank of India Bakery Junction Thiruvananthapuram-695033 04712326769 [email protected] |
Official Details of Consumer Education and Protection Cell of RBI
Any customer or person can register a grievance against any department of the RBI or regional office of RBI to the Consumer Education and Protection Cell (CEP). Further, for Complaints that are not covered under Integrated Banking Ombudsman, RBI can approach the CEP of RBI.
Address and Contact Details of CEP Cells:
E-mail: [email protected]
Click Out: Click here to lodge a complaint
| Name of the office | Address and Contact Details |
| Agartala | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Old Municipal Road 2nd Floor, Jackson Gate Building Tripura West Agartala – 799001 Phone: 0381-2381071 |
| Ahmedabad | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India 3rd Floor, Nr. Income Tax Ashram Road Ahmedabad-380014 Phone: 079-27540955 |
| Aizawl | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India 3rd Floor, F. Kapsanga Building Opposite Assam Rifle Gate Dawrpui, Aizawl Mizoram – 796001 Phone: 0389-2313442 |
| Belapur | The Officer-In-Charge Consumer Education and Protection Cell 2nd Floor, Reserve Bank of India Sector 10, Plot No.3 CBD Belapur Navi Mumbai – 400614 Phone: 022-27578004 |
| Bengaluru | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India 10/3/8, Nrupthunga Road Bengaluru-560001 Phone: 080-22180397 |
| Bhopal | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Hoshangabad Road Bhopal-462011 Phone: 0755-2551592 |
| Bhubaneswar | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Pt. Jawaharlal Nehru Marg Bhubaneswar – 751001 Phone: 0674-2390074 |
| Chandigarh | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Central Vista, Sector 17 Chandigarh – 160017 Phone: 0172-2780180 |
| Chennai | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Fort Glacis, Rajaji Salai Chennai-600001 Phone: 044-25361910 |
| Dehradun | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India 74/1, Rajpur Road GMVN Building Dehradun – 248001 Phone: 0135-2740140 |
| Gangtok | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Tseyang Dzong Building, Amdo Golai NH-10, P.O. – Tadong Gangtok -737102 Phone: 03592-281117 |
| Guwahati | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Pan Bazaar, Station Road Guwahati – 781001 Phone: 0361-2636559 |
| Hyderabad | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India 6-1-56, Secretariat Road, Saifabad Hyderabad-500004 Phone: 040-23232016 |
| Imphal | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Opp. Manipur Legislative Assembly Lilashing Khongnangkhong Imphal (Manipur) – 795001 Phone: 0385-2411819 |
| Jaipur | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Rambagh Circle, Tonk Road Jaipur-302052 Phone: 0141-2577948 |
| Jammu | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Rail Head Complex Jammu – 180012 Phone: 0191-2479472 |
| Kanpur | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India M.G Road Kanpur – 208001 Phone: 0512-2332938 |
| Kochi | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Ernakulam North Kochi – 682018 Phone: 0484-2402468 |
| Kolkata | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India 15, Netaji Subhas Road Kolkata – 700001 Phone: 033-22130026 |
| Lucknow | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India 8-9, Vipin Khand, Gomti Nagar Lucknow – 226010 Phone: 0522-2307948 |
| Mumbai | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Main Building Mumbai Regional Office, Fort Mumbai – 400001 Phone: 022- 22603644 |
| Nagpur | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Dr Raghavendra Rao Road Civil Lines, P.B.No.15 Nagpur – 440001 Phone: 0712-2806326 |
| New Delhi | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India 6, Sansad Marg New Delhi – 110001 Phone: 011-23325247 |
| Panaji | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India 7th Floor, Gera Imperium-II Patto Panaji – 403001 Phone: 0832-2467888 Extn: 814, 815, 809/829 |
| Patna | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India South Gandhi Maidan Patna – 800001 Phone: 0612-2320815 |
| Raipur | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Subhashish Parisar Satya Prem Vihar, Sundar Nagar Raipur – 492013 Phone: 0771-2242352 |
| Ranchi | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India R.R.D.A. Building Pragati Sadan (4th Floor), Kutchery Road Ranchi – 834001 Phone: 075429-76444 |
| Shillong | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Apphira Building Fruit Garden, Shillong-Jowai Road PO – Laitumkhrah Shillong – 793003 Phone: 0364-2501837 |
| Shimla | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India 40, SDA Complex Kasumpti, Shimla Himachal Pradesh – 171009 Phone: 0177-2621482 |
| Thiruvananthapuram | The Officer-In-Charge Consumer Education and Protection Cell Reserve Bank of India Bakery Junction Thiruvananthapuram – 695033 Phone: 0471-2337188 |
If your complaint is not taken within 60 days or unsatisfied with the final order of the CEP cell. You can write an application with the acknowledgement number of the complaint and send it to:
Address: Chief General Manager,
Reserve Bank of India,
Consumer Education and Protection Department,
Central Office, 1st Floor,
Amar Building, Perin Nariman Street,
Mumbai – 400001.
Source – Need More Information? Visit: Consumer Education and Protection Cell (CEP Cell)
Lodge a Complaint Against Specific Regulated Entity
Banks in India
| Name of the Bank | Contact us (Grievance Redressal Link) |
|---|---|
| State Bank of India | https://sbi.co.in/web/customer-care/addresses-and-helpline-nos-of-grievances-redressal-cell |
| Bank of Baroda | https://www.bankofbaroda.in/customer-support/grievance-redressal |
| Bank of India | https://www.bankofindia.co.in/forms/Grievance |
| Bank of Maharashtra | https://bankofmaharashtra.in/complaints_grievances |
| Canara Bank | https://canarabank.com/User_page.aspx?menulevel=5&menuid=5&CatID=2 |
| Central Bank of India | https://www.centralbankofindia.co.in/en/customer_care |
| Indian Bank | https://www.indianbank.in/departments/online-customer-complaints/#! |
| Indian Overseas Bank | https://www.iob.in/Grievances_Redressal_mechanism |
| Punjab National Bank | https://www.pnbindia.in/Lodge-Complaint.html |
| Union Bank of India | https://www.unionbankofindia.co.in/english/grievances-redressal.aspx |
| Punjab & Sind Bank | https://punjabandsindbank.co.in/content/recomp |
| UCO Bank | https://www.ucobank.com/english/Grievance-Redressel.aspx |
| Name of the Bank | Contact us (Grievance Redressal Link) |
|---|---|
| Coastal Local Area Bank Ltd. | https://www.coastalareabank.com/happy |
| Krishna Bhima Samruddhi Local Area Bank Limited | http://kbsbankindia.in/customerecare.php# |
| Subhadra Local Area Bank Limited | http://103.219.60.138/contactus.php |
| Name of the Bank | Contact us (Grievance Redressal Link) |
|---|---|
| Airtel Payments Bank Limited | https://www.airtel.in/bank/static/contact-us |
| India Post Payments Bank Limited | https://www.ippbonline.com/web/ippb/complaints |
| Fino Payments Bank Limited | https://www.finobank.com/contact-us |
| Paytm Payments Bank Limited | https://www.paytmbank.com/Policies/Customer |
| Jio Payments Bank Limited | https://www.jiopaymentsbank.com/grievance-redressal |
| NSDL Payments Bank Limited | https://nsdlbank.com/customer_grievance_redressal.php |
| Name of the Bank | Contact us (Grievance Redressal Link) |
|---|---|
| The Andaman and Nicobar State Co-operative Bank Ltd. | https://www.anscbank.in/contact-us/ |
| The Andhra Pradesh State Co-operative Bank Ltd. | https://www.apcob.org/contact/ |
| The Arunachal Pradesh State co-operative Apex Bank Ltd. | https://www.arunachalapexbank.com/contact.php |
| The Assam Co-operative Apex Bank Ltd. | https://www.apexbankassam.com/contact-us.php |
| The Bihar State Co-operative Bank Ltd. | http://bscb.co.in/Contact.htm |
| The Chandigarh State Co-operative Bank Ltd. | https://cscbapex.com/contact-us/ |
| The Chhattisgarh Rajya Sahakari Bank Maryadit | https://www.cgapexbank.com/complains.php |
| The Delhi State Co-operative Bank Ltd. | |
| The Goa State Co-operative Bank Ltd. | https://gscbgoa.com/contact-us/ |
| Gujarat State Co-operative Bank Ltd. | https://gscbank.co.in/contact/ |
| The Haryana State Co-operative Apex Bank Ltd. | https://harcobank.org.in/contactus |
| The Himachal Pradesh State Co-operative Bank Ltd. | https://hpscb.com/contact-us/ |
| The Jammu and Kashmir State Co-operative Bank Ltd. | Mr Manzoor Ahmad Bhat Head Grievance Redressal Committee Mob 9419647660 |
| Jharkhand State Co-operative Bank Ltd. | https://www.jscb.gov.in/PageContent.aspx?Id=8YtEYlKTcq4= |
| The Karnataka State Co-operative Apex Bank Ltd. | https://www.karnatakaapex.com/new/index.php/en/contact-us |
| The Kerala State Co-operative Bank Ltd. | https://keralacobank.com/contact-2/ |
| The Madhya Pradesh Rajya Sahakari Bank Maryadit | https://www.apexbank.in/EnquiryForm.aspx |
| The Maharashtra State Co-operative Bank Ltd. | https://www.mscbank.com/FeedbackForm.aspx |
| The Manipur State Co-operative Bank Ltd. | https://mscbmanipur.in/?page_id=847 |
| The Meghalaya Co-operative Apex Bank Ltd. | http://megcab.com/Contact%20Us.html |
| The Mizoram Co-operative Apex Bank Ltd. | https://www.mizoapex.com/contact-us.php |
| The Nagaland State Co-operative Bank Ltd. | https://nscb.co.in/contact-us/ |
| The Odisha State Co-operative Bank Ltd. | https://www.odishascb.com/contactus.php |
| The Puducherry State Co-operative Bank Ltd. | https://mypscbank.com/contact.php |
| The Punjab State Co-operative Bank Ltd. | https://pscb.in/CustomerServices/Complaint.aspx |
| The Rajasthan State Co-operative Bank Ltd. | https://www.rscb.org.in/Contact |
| The Sikkim State Co-operative Bank Ltd. | https://siscobank.com/Public/GetinTouch/Redressal |
| The Tamil Nadu State Apex Co-operative Bank Ltd. | https://www.tnscbank.com/contact-us/contact-address/ |
| The Telangana State Cooperative Apex Bank Ltd. | https://tscab.org/apex-bank-departments/ |
| Tripura State Co-operative Bank Ltd. | https://tscbank.nic.in/contact.htm |
| The Uttar Pradesh Co-operative Bank Ltd. | http://www.upcbl.in/contactus.html |
| The Uttarakhand State Co-operative Bank Ltd. | https://www.ukstcbank.com/contact-us/ |
| The West Bengal State Co-operative Bank Ltd. | https://www.wbstcb.com/page/contact_us |
| The Daman and Diu State Co-operative Bank Ltd.* | https://3dcoopbank.in/contact# |
8. Scheduled Urban Co-operative Banks
| Name of the Bank | Contact us (Grievance Redressal Link) |
|---|---|
| National Bank for Agriculture and Rural Development | https://www.nabard.org/grievanceform.aspx |
| Export-Import Bank of India | https://www.eximbankindia.in/grievance-redressal |
| National Housing Bank | National Housing Bank (nhb.org.in) |
| Small Industries Development Bank of India | https://www.sidbi.in/en/online-enquiry/complaints |
Customers of these banks and financial institutions can register complaints by visiting the website concerned about the entity. Use the reference number to lodge a grievance to Banking Ombudsman RBI using the official details.
Frequently Asked Questions about the Banking Ombudsman Scheme of RBI?
Q. What is the helpline number of the Regional Offices of the RBI (Reserve Bank of India)?
A. Click out the ‘ Regional office helpline numbers of RBI‘ to register your complaint or can visit the office to get services of the RBI.
Q. Who can register complaints to the Banking Ombudsman of RBI?
A. Every customer who gets services from the banks or financial institutes that are registered and regulated by RBI. You can use the Banking Ombudsman portal to register your grievances if your complaint is not resolved by the regulated entity.
Q. What are the institutions against which complaints can be registered to Banking Ombudsman?
A. People can register complaints against all services of the Banks that are registered under RBI regulations, NBFCs, Financial Institutions, Digital Payment and wallet service providers, Online transactions and Prepaid Payment Instruments (PPI). All the issues related to these institutions and services of RBI can be registered to the Banking Ombudsman of RBI.
References
- Reserve Bank of India
- RBI Banking Ombudsmen
- Address and Area of Operation of RBI Ombudsman
- Consumer Education and Protection Cell (CEP Cell)
