Complaint guides · no account needed
Bank, card or loan issue
Wrong charges, failed transaction not reversed, loan or card problems
Helplines — free, any timeRules last checked 2026-10-21
Banking
01⏱ 30 days
Written complaint to the bank
Who: Your bank
Keep the complaint number. We'll count the 30 days.
Rule: Banks get 30 days to resolve a written complaint
02Final
RBI Ombudsman
Who: RBI Integrated Ombudsman (cms.rbi.org.in / 14448)
Free. The Ombudsman's award is binding on the bank.
Rule: RBI Integrated Ombudsman Scheme 2021: after 30 days with no answer or a rejection, within one year
cms.rbi.org.in ↗Guidance, not legal advice. Timelines come from published rules and are rounded up so you never escalate too early.
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Common questions
Where do I complain about bank, card or loan issue?
In this order: 1. Written complaint to the bank (Your bank), 2. RBI Ombudsman (RBI Integrated Ombudsman (cms.rbi.org.in / 14448)).
How long do I wait at each step?
Written complaint to the bank: 30 days; RBI Ombudsman: the final step.
What is the final step?
RBI Ombudsman: Free. The Ombudsman's award is binding on the bank.