How to File a Complaint with the Banking Ombudsman: A Step-by-Step Guide
June 24, 2025
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Do you know that if your bank ignores your complaint, delays action, or harasses you, you can directly escalate your issue to the Reserve Bank of India (RBI) without paying a single rupee? Under RBI’s Integrated Ombudsman Scheme (RB-IOS), 2021, Indian consumers now have a simpler, unified process to seek justice against banks, NBFCs, and payment system providers. According to The Economic Times, there has been a noticeable rise in complaints filed due to wrongful charges, credit report issues, and aggressive recovery practices.
If you’re facing bank negligence, EMI disputes, or harassment by recovery agents, this article will walk you through the entire banking ombudsman complaint India process—step by step. We’ll also share examples, eligibility, tips, and how SingleDebt can support you when your finances and peace of mind are under attack.
The Banking Ombudsman Scheme is RBI’s official grievance redressal mechanism. It helps bank customers raise complaints related to deficiency in banking services, loan mishandling, credit card fraud, unauthorized charges, and even mental harassment by recovery agents.
Under the RB-IOS, 2021, a senior official appointed by the RBI (called the Banking Ombudsman) is empowered to review and resolve complaints within 30 days, free of cost.
You can file a complaint with RBI if:
🗓️ You must file your complaint:
Ramesh, a 41-year-old from Pune, missed a few EMI payments after a family medical emergency. Despite informing the lender, he received 20+ calls daily, and recovery agents showed up at his home. The lender ignored his written requests to stop harassment. Ramesh filed a complaint with RBI’s Ombudsman—and the calls stopped within two weeks.
Ritika from Delhi noticed her personal loan balance increasing due to unexplained charges. Her bank failed to explain even after three visits. She filed a banking ombudsman complaint India online. The RBI ruled in her favor, and the charges were reversed.
If they don’t respond, or you’re unhappy with the response—you’re now eligible to approach the Banking Ombudsman.
Go to the RBI CMS Portal.
Click on “File a Complaint” and follow these steps:
Email your complaint to crpc@rbi.org.in
Make sure to include all details as outlined in Step 3 below.
Send a letter in the prescribed format to:
Centralised Receipt and Processing Centre, RBI,
6th Floor, Sector 17, Chandigarh – 160017.
Note: Complaints must be filed with the office having jurisdiction over your bank branch.
To file complaint RBI effectively, mention:
The Banking Ombudsman:
If you’re still unhappy, you can appeal the decision with the Appellate Authority within 30 days.
Bonus Tip: Always retain acknowledgement receipts, screenshots, and any calls or emails exchanged with the bank. These help strengthen your case.
No. RBI does not charge anything to file or resolve your complaint.
Whether it’s a ₹500 charge or a ₹5 lakh loan dispute—you can raise your voice, without worrying about cost.
If you’re struggling with debt stress, legal threats, or harassment, don’t go through it alone. SingleDebt is India’s first certified debt resolution platform that combines:
We’ve helped thousands of Indian borrowers breathe again—and we’ll stand with you, too.
✔ The Banking Ombudsman is your legal shield when banks don’t listen
✔ File a complaint only after 30 days of raising it with your bank
✔ You can file online, by email, or physical post—with zero fees
✔ Always provide complete facts, documents, and proof
✔ If you’re being harassed, SingleDebt can intervene legally and financially
Your voice matters. Whether it’s wrongful charges, delayed refunds, or daily harassment from creditors—you have rights, and RBI’s Banking Ombudsman will hear them.
📞 Still unsure what to include in your complaint?
🛡️ Tired of being bounced between bank helplines?
👉 Let SingleDebt guide you—from defending your legal rights to drafting the perfect complaint.
Your peace of mind is one step away.
SingleDebt specializes in effective debt management solutions, helping individuals and businesses reduce their debt and regain financial stability.
