Made under: Integrated Ombudsman Scheme, 2021

Complaint to the RBI Banking Ombudsman — Integrated Ombudsman Scheme, 2021

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Bank and branch

Amount (₹)

Date of your first written complaint

The day you handed the written complaint to the police station or the bank.

Your full name

Exactly as it appears on your Aadhaar or ID.

Your full address

Mobile number

Last digits of the account or card

The full number is not needed. The last four digits are enough.

Date of the incident

Transaction reference (UTR / RRN)

This is the number the bank traces the money with. Copy it character by character.

What happened — in your own words

Write it in the order it happened. Do not guess at anything you cannot remember.

Complaint or acknowledgement number

Place (where you sign this)

Today's date

The document

To,
The Reserve Bank of India
Centralised Receipt and Processing Centre (CRPC), 4th Floor, Sector 17, Chandigarh 160017
(Online: cms.rbi.org.in | Email: CRPC@rbi.org.in | Toll-free: 14448)

Subject: Complaint against ________________ — unauthorised transaction of ₹________________; no reply / an unsatisfactory reply to my complaint dated ________________.

Made under: the Reserve Bank – Integrated Ombudsman Scheme, 2021, framed under Section 35A of the Banking Regulation Act, 1949, Section 45L of the Reserve Bank of India Act, 1934 and Section 18 of the Payment and Settlement Systems Act, 2007.

Sir/Madam,

1. Complainant: ________________, resident of ________________, mobile ________________, email ________________.

2. Bank complained against: ________________. Account/card ending ________________.

3. Ground of complaint: on ________________ an unauthorised electronic transaction of ₹________________ took place on my account. Transaction reference ________________.

4. The facts:
________________

5. I made a written complaint to the bank on ________________. The bank's complaint number is ________________. More than 30 days have passed since that complaint, and the bank has either given no reply, or rejected the complaint, or given a reply I am not satisfied with.

6. Under the Scheme this complaint is maintainable because (a) a complaint was first made to the bank concerned; (b) 30 days have passed since that complaint; and (c) this complaint is made within one year of the bank's reply (or, where there was no reply, within one year and thirty days of the complaint). All three conditions are satisfied here.

7. Relief sought: refund of ₹________________ with interest, and compensation for the inconvenience and expense caused.

8. This subject matter is not pending before, and has not been decided by, any court, tribunal or arbitrator.

Yours faithfully,

________________
________________

Place: ________________
Date: ________________

Enclosures: as per the list attached.

What to attach

A copy of the complaint made to the bank, and its complaint number. This is the first condition — without it the complaint is not maintainable.
The bank's reply, if there was one. If there was none, say that 30 days have passed.
The statement showing the debit and the transaction reference.
The FIR or the cyber-complaint acknowledgement.
Filing online at cms.rbi.org.in is faster; keep the complaint number it gives you.

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