How to File Online or physical Complaint with RBI Banking Ombudsman

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Have you ever had an issue with your bank that left you feeling unsatisfied with their response? It’s frustrating, to say the least. But don’t worry, you’re not powerless in this situation. Did you know that you can take your complaint to the Reserve Bank of India banking ombudsman? That’s right, the RBI has the power to regulate and address concerns for not just banks, but also small finance banks, payment banks, RRBs, cooperative banks, NBFCs, payment system providers, and more. So, if you’re feeling stuck in a banking dilemma, keep reading to find out how the RBI can help you out.

Process to file Online or Physical Complaint with RBI Banking Ombudsman

  • You can file your complaint online through the RBI’s portal at
  • Alternatively, you can submit your complaint through electronic or physical mode to the Centralised Receipt and Processing Centre notified by the RBI.
  • If you submit your complaint in physical form, make sure to sign it yourself or have an authorised representative sign it on your behalf.
  • Your complaint should include all the necessary information as required by the RBI.

With the assistance of a professional CA from our team, you can easily file an online complaint with the RBI Banking Ombudsman without any hesitation.



Important points to keep in mind while filing Online Complaint with RBI Banking Ombudsman

  • To file a complaint with the Reserve Bank of India (RBI), you need to visit their official website at
  • Once you’re on the website, provide the necessary details of your complaint and upload a complaint letter explaining the issue, along with any supporting documents.
  • Don’t forget to include a copy of the original complaint sent to the concerned bank and their response.
  • Also, you need to ensure that all documents are uploaded in either PDF or .txt format.
  • You can track the status of your complaint by visiting the official website.

Prerequisites to filing Online Complaint with RBI Banking Ombudsman

  • To ensure that your complaint is valid, you must submit a written representation to the bank.
  • If the bank rejects your complaint or fails to provide a response within one month of receiving your representation, or if you are unsatisfied with the response provided, you may proceed with the complaint process.
  • However, it is important to note that your complaint must be filed within one year of receiving the bank’s response and must not be related to the same subject matter as any ongoing legal proceedings or past rulings.
  • It is also crucial that your complaint is genuine and not made with inappropriate intentions.

For easy filing of complaints or any other queries contact our experts. Fill the form below:


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Complaint Grounds for Online RBI Complaint

  • Non-acceptance of loan applications without furnishing valid reasons to the applicant
  • Delays in sanction, disbursement, or non-observance of prescribed time schedule for disposal of loan applications
  • Non-observance of Reserve Bank Directives on interest rates
  • Non-adherence to the provisions of the fair practices code for lenders as adopted by the bank or Code of Bank’s Commitment to Customers, as the case may be
  • Non-observance of Reserve Bank guidelines on engagement of recovery agents by banks

Non-observance of any other direction or instruction of the Reserve Bank as may be specified by the Reserve Bank for this purpose from time to time.

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Moreover, if you require any kind of guidance related to the RBI Banking Ombudsman, please feel free to contact our business advisors at 8881-069-069.

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