RBI Banking ombudsman scheme | Register Complaint Against Bank, Apply Online Form, Check Status @cms.rbi.org.in


RBI Banking ombudsman scheme allows consumers to file complaints against banks if needed. There is a proper system to submit your complaints online & check the grievance status. There is a list of acceptable complaint types under the ombudsman scheme to ensure that only relevant complaints are made. The main objective of this scheme is to address the grievances of the customers of different banks like Scheduled Commercial Banks, Regional Rural Banks, and Scheduled Primary Co-operative banks.

RBI appoints ombudsman across various regions. The contact details of these persons along with their jurisdiction can be checked online.

What is the meaning of “ombudsman” ?

A person appointed to investigate complaints made by individuals against a business or organization, particularly a public authority is called an ombudsman.

When Did the idea of Banking Ombudsman came to India?

The idea came into existence in 1995, and the present Ombudsman scheme has been operating based on the guidelines set in 2006.

What is the motive of this scheme?

The Reserve Bank of India has launched a scheme called Banking Ombudsman for the welfare of the bank’s account holders.

How to find & contact banking ombudsman of your area?

The contact details of offices of banking ombudsman in India is available online. The best way to submit your complaint is simply using the online complaint system.

RBI Banking ombudsman scheme

There are times when consumers just can’t get their bank-related complaints resolved. Although

most of the banks try to resolve customer grievances from their end, in very rare cases when even banks don’t listen, you can use the power of the banking ombudsman. This article explains the online process to file a complaint against a bank using the RBI Ombudsman Scheme, download the Complaints Form.

List of Complaints allowed by the ombudsman

Let us see the list of complaints allowed by the ombudsman from the customers of the listed banks.

  1. Non-payment or unreasonable delay in the payment
  2. Non-adherence to prescribed working hours of the bank.
  3. Levying charges without adequate prior notice to the customer.
  4. Failure /Delay concerning the issue, service, or redemption of Government securities.
  5. Banks’ refusal to close or delay in closing accounts.
  6. Not following the fair practices code as adopted by the bank;
  7. Non-adherence to RBI instruction concerning Mobile Banking / Electronic Banking service in India.
  8. Non-payment or delay in payment of inward remittances.
  9. Refusal to open deposit accounts without any valid reason for this refusal.
  10. Any other matter relating to the violation of RBI guidelines.

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How to register complaint against any bank to ombudsman, Online or Offline

Let us see the online procedure to register a complaint against a bank using the official portal of RBI.

  • Visit the Official Portal of RBI CMS.
  • It takes the online applicant to the Home Page below.
  • Click on the File a Complaint tab on the following page.
  • It then redirects the online users to the next web page below.
  • Select the Type of Entity on the newly opened page.
  • Here we have selected the option as a bank.
  • Enter the Mobile Number, Area of Operation of BO, State, District, and Bank Name.
  • Answer Yes/No for the question: Is the complaint related to a credit card?
  • Select/Enter Bank Category, Bank Branch Name, Name of the Complainant, and Email.
  • Click on the Next button.
  • It then takes the online applicant to the next page.
  • Answer Yes/No for the below questions, as shown below.
  • On the next page, answer few more questions.
  • Enter/Select the Date of Complaint, Complaint Category, Ground of Complaint, Description.
  • Answer the question: Have you received a reply from the bank.
  • Click on the Next Button.
  • On the next page, enter the Complainant details such as Name, Gender, Age, Category, Email, Mobile Number, Telephone Number, and Address.
  • Click on the Next Button.
  • Enter the Bank Details on the next page like Name, Branch Name, Centre, State, District, Urban Category, Nodal Officer Name, Address, and Date of the disputed transaction and other details.
  • Click on the Next Button.
  • On the Next Page, Select/Enter the Account Category, Account Sub-Category, and Bank Account Number.
  • Click on the Declaration Checkbox at the end and click on the Next button.
  • Click on Yes under the Nomination Question and click on the Next button.
  • Enter the Captcha Code and click on the Next button.
  • It then successfully registers the complaint against the concerned bank.

Contact RBI Banking ombudsman of your Region

Centre Name & Address of the Office of Banking Ombudsman Area of Operation
Ahmedabad Smt. 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
Email : [email protected]
Gujarat, Union Territories of Dadra and Nagar Haveli, Daman and Diu
Bengaluru Ms 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
Email : [email protected]
Karnataka
Bhopal Shri Hemant Kumar Soni
C/o Reserve Bank of India
Hoshangabad Road
Post Box No. 32, Bhopal-462 011
STD Code: 0755
Tel. No. 2573772
2573776
2573779
Email : [email protected]
Madhya Pradesh
Bhubaneswar Shri Biswajit Sarangi
C/o Reserve Bank of India
Pt. Jawaharlal Nehru Marg
Bhubaneswar-751 001
STD Code: 0674
Tel. No. 2396207
Fax No. 2393906
Email : [email protected]
Odisha
Chandigarh Shri M K Mall
C/o Reserve Bank of India
4th Floor, Sector 17
Chandigarh
Tel. No. 0172 – 2703937
Fax No. 0172 – 2721880
Email : [email protected]
Himachal Pradesh, Punjab, Union Territory of Chandigarh and Panchkula, Yamuna Nagar and Ambala Districts of Haryana.
Chennai Dr. Balu K
C/o Reserve Bank of India
Fort Glacis, Chennai 600 001
STD Code: 044
Tel No. 25395964
Fax No. 25395488
Email : [email protected]
Tamil Nadu, Union Territories of Puducherry (except Mahe Region) and Andaman and Nicobar Islands
Dehradun Shri 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
Email : [email protected]
Uttarakhand and seven districts of Uttar Pradesh viz., Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor and Amroha (Jyotiba Phule Nagar)
Guwahati Shri Thotngam Jamang
C/o Reserve Bank of India
Station Road, Pan Bazar
Guwahati-781 001
STD Code: 0361
Tel.No. 2734219/ 2512929
Email : [email protected]
Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland and Tripura
Hyderabad Shri T Srinivasa Rao
C/o Reserve Bank of India
6-1-56, Secretariat Road
Saifabad, Hyderabad-500 004
STD Code: 040
Tel. No. 23210013
Fax No. 23210014
Email : [email protected]
Andhra Pradesh and Telangana
Jaipur Ms. Rekha Chandanaveli
C/o Reserve Bank of India,
4th floor Rambagh Circle,
Tonk Road, Jaipur – 302 004
STD Code: 0141
Tel. No. 2577931
Email : [email protected]
Rajasthan
Jammu Shri P Shimrah
C/o Reserve Bank of India,
Rail Head Complex,
Jammu- 180012
STD Code : 0191
Telephone: 2477617
Fax : 2477219
Email : [email protected]
Union Territories of Jammu & Kashmir and Ladakh
Kanpur Shri P K Nayak
C/o Reserve Bank of India
M. G. Road, Post Box No. 82
Kanpur-208 001
STD Code: 0512
Tel. No. 2305174/ 2303004
Email : [email protected]
Uttar Pradesh (excluding Districts of Ghaziabad, Gautam Buddha Nagar, Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor and Amroha (Jyotiba Phule Nagar)
Kolkata Shri 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
Email : [email protected]
West Bengal and Sikkim
Mumbai (I) Dr. 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
Email : [email protected]
Districts of Mumbai, Mumbai Suburban and Thane
Mumbai (II) Shri S.K.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
Email : [email protected]
Goa and Maharashtra, (except the districts of Mumbai, Mumbai Suburban and Thane)
Patna Shri Rajesh Jai Kanth
C/o Reserve Bank of India
Patna-800 001
STD Code: 0612
Tel. No. 2322569/2323734
Fax No. 2320407
Email : [email protected]
Bihar
New Delhi (I) Shri R.K. Moolchandani
C/o Reserve Bank of India,
Sansad Marg, New Delhi
STD Code: 011
Tel. No. 23725445
Fax No. 23725218
Email : [email protected]
North, North-West, West, South-West, New Delhi and South districts of Delhi
New Delhi (II) Ms. Ruchi A S H
C/o Reserve Bank of India
Sansad Marg, New Delhi
STD Code: 011
Tel. No. 23724856
Email : [email protected]
Haryana (except Panchkula, Yamuna Nagar and Ambala Districts) and Ghaziabad and Gautam Budh Nagar districts of Uttar Pradesh
New Delhi (III) Ms. Suchitra Maurya
C/o Reserve Bank of India
Sansad Marg, New Delhi
STD Code: 011
Tel. No. 23715393
Fax No. 23765234
Email : [email protected]
North-East, Central, Shahdara, East and South-East districts of Delhi
Raipur Shri. Keshab Korkora
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, 2241819
Email : [email protected]
Chhattisgarh
Ranchi Smt 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/
7542975444
Fax : 2210511
Email : [email protected]
Jharkhand
Thiruvananthapuram Shri G Ramesh
C/o Reserve Bank of India
Bakery Junction
Thiruvananthapuram-695 033
STD Code: 0471
Tel. No. 2332723/2323959
Fax No. 2321625
Email : [email protected]
Kerala, Union Territory of Lakshadweep and Union Territory of Puducherry (only Mahe Region).
This list can be checked on official RBI portal from HERE

How to check Status of Complaint Made to Ombudsman

After submitting your complaint, you can easily check the status or track your application. Here are the steps:

  • Enter the captcha code and hit the submit button to know the status of your application

Download Complaint Form 2021

The applicants can also download the complaint form, fill it manually, and submit it to the concerned officials to get their complaints answered through the RBI Banking Ombudsman Scheme.

  • Click Here to download the RBI Banking Ombudsman complaint Form.

More questions related to this topic & their answers

Can I file the complaint through both online and offline modes?

Yes, the applicants can file complaints against banks both through online and offline modes.

What types of complaints can the customers file against the banks through the RBI ombudsmen scheme?

The customers can file the complaints like account debited but cash not dispensed by ATM, Account debited more than once, and other complaints against the bank.

On which types of banks, the customers are allowed to file the complaints?

The customers can file complaints on different banks like Scheduled Commercial Banks, Regional Rural Banks, and Scheduled Primary Co-operative banks.

Are there any chances that your complaint gets rejected by the ombudsman?

Yes, if there is no genuineness of the complaint or the dispute has already been settled earlier, the ombudsman will reject your complaint.



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