Banking complaints

Banking Complaint Guide (2026)

Banking शिकायत कैसे करें — Complete Process

Banking complaints work best when dates, transaction IDs, and written bank responses are clearly attached.

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By ShikayatKaro Team · Last updated August 2026

Escalation Path

1

Complain to bank customer care or branch and record the acknowledgement

2

Escalate to the bank nodal officer if the first response is delayed or unsatisfactory

3

Approach RBI Integrated Ombudsman after the required waiting period or final rejection

Documents You Need

Account statement or transaction screenshot
UPI reference number, ATM ID, card statement, or loan account number
Complaint acknowledgement from bank branch, app, or customer care
Any SMS/email alert connected with the disputed transaction

Common Mistakes to Avoid

Sharing full card, CVV, OTP, or passwords in complaint letters
Approaching the ombudsman before first complaining to the bank
Not preserving SMS alerts and bank acknowledgement numbers

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Banking Complaint Templates

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Cyber Fraud Emergency Bank Account Freeze Request - Hindi

सेवा में, शाखा प्रबंधक / साइबर सुरक्षा प्रकोष्ठ {{bank_name}} {{branch_address}} विषय: आपातकालीन...

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सेवा में, बैंकिंग लोकपाल {{ombudsman_office}} विषय: {{bank_name}} के विरुद्ध शिकायत महोदय/महोदया,...

Banking — अक्सर पूछे जाने वाले सवाल (FAQ)

Common questions about filing banking complaints in India.

RBI Ombudsman mein complaint kaise file karein? (आरबीआई लोकपाल शिकायत)
RBI ke Integrated Ombudsman portal cms.rbi.org.in pe online complaint file karein. Pehle bank ke paas likhi complaint karein aur 30 din wait karein. Bank ka response unsatisfactory ho ya koi response na aaye toh Ombudsman approach karein.
UPI transaction fail hone pe paisa kaise wapas milega?
Agar UPI transaction fail hua hai aur paisa kat gaya hai toh 48 ghante wait karein - auto-reversal ho sakta hai. Nahi hua toh bank customer care ko call karein, UPI reference number dein, aur complaint register karein. 5-7 working days mein resolve hona chahiye.
Bank account se unauthorized transaction complaint kaise karein?
Turant bank ko inform karein aur account freeze karwaayein. Police FIR file karein. Bank branch mein written complaint dein transaction details ke saath. 10 working days mein response na aaye toh Banking Ombudsman approach karein.
CIBIL score galat hai toh kaise theek karein? (सिबिल स्कोर सुधार)
CIBIL website pe login karein aur credit report download karein. "Dispute" option se galat entry select karein aur supporting documents upload karein (loan closure NOC, bank statement). Bank ko bhi likhi complaint dein CIBIL update karne ke liye. 30 din mein correction hona chahiye.
Loan recovery agent threat kar raha hai toh kya karein? (वसूली एजेंट शिकायत)
RBI guidelines ke anusaar recovery agent subah 8 baje se shaam 7 baje ke beech hi contact kar sakta hai. Threat, gaali, ya karyasthal pe aana RBI rules ka violation hai. Call recording rakhein aur RBI Banking Ombudsman (cms.rbi.org.in) pe complaint karein. Police mein bhi FIR darj karein.
Cheque bounce hone pe kya karna chahiye? (चेक बाउंस शिकायत)
Cheque bounce hone pe 30 din ke andar drawer ko legal notice bhejein (Section 138, Negotiable Instruments Act). Notice mein 15 din ka time dein payment karne ka. Payment na ho toh Magistrate Court mein criminal complaint file karein. 2 saal tak ki saza aur cheque amount ka 2x tak fine ho sakta hai.
NBFC (Bajaj Finance, IIFL) se pareshaan hain toh kahan complaint karein?
Pehle NBFC ke Grievance Officer ko written complaint dein. 30 din mein response na aaye toh RBI ke NBFC Ombudsman portal cms.rbi.org.in pe complaint file karein. Hidden charges ya zyada interest rate ke liye consumer court bhi ja sakte hain.
FD maturity ka paisa nahi mila toh kya karein? (एफडी मैच्योरिटी शिकायत)
Bank branch mein FD receipt aur passbook le jaayein aur written complaint dein. Maturity date ke baad bhi paisa na mile toh RBI Banking Ombudsman mein complaint karein. Delay ke liye FD interest rate pe additional interest ka haq hai.

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