Bank ne galat charge kaat liya aur theek nahi kar raha.

Simple answer

Pehle bank ko written complaint karo. 30 din mein reply na aaye ya reply se khush na ho, toh cms.rbi.org.in par RBI Ombudsman ko free complaint karo. 2026 ki nayi scheme mein ye 90 din ke andar karna hota hai.

Real-life examples

ATM ne Lakshmi ke account se ₹5,000 kaat liye par cash nahi diya. RBI rules ke hisaab se bank ko transaction ke 5 din ke andar paise lautane hote hain, warna har din ki delay par ₹100 dene hote hain. Aisa na hone par usne pehle bank, phir RBI Ombudsman se complaint ki.

Gurpreet se aisa charge kata jo uske account terms mein tha hi nahi. Usne online complaint ki aur complaint number liya. 30 din mein solve na hone par usne RBI CMS portal par complaint ki aur apne time aur pareshani ka compensation bhi maanga.

Joseph ki loan application reject ho gayi aur woh chahta tha ki Ombudsman decision palat de. Loan dena ya na dena bank ka commercial decision hai, jise RBI Ombudsman decide nahi karta.

Aapko kya karna chahiye?

1Bank ko written complaint karo (branch, email, app ya net banking se), account details aur galat charge ke saath. Complaint number rakho.
230 din ruko (ya zyada, agar RBI, NPCI ya card rules bank ko zyada time dete hon), jab tak bank reply de aur aap khush na ho.
3Us deadline ya bank ke last reply ke 90 din ke andar cms.rbi.org.in par complaint karo. Ye free hai; kisi agent ko paise mat do.
4Bank ko ki gayi complaint, bank ka reply, statement aur screenshots lagao. Status ke liye 14448 par call karo.
5Ombudsman ke award se agree na ho toh 30 din mein appeal kar sakte ho. Chaho toh iski jagah Consumer Commission ja sakte ho.

Exceptions aur zaroori baatein

Ye scheme banks, badi NBFCs, prepaid wallet companies aur credit bureaus par lagu hai. Kuch chhote co-operative banks aur NBFCs isme nahi aate.
Jo matter court mein ho, lawyer ke through file ho (jab tak lawyer khud affected na ho), ya bank ke commercial decision (jaise loan na dena) par ho, woh nahi liya jaata.
90 din ki time limit ke baad ki complaint accept nahi hoti.

Official legal reference

Reserve Bank – Integrated Ombudsman Scheme, 2026
Bank, NBFC aur wallet complaints ke liye free RBI Ombudsman: pehle entity ko complaint, 30 din wait, phir 90 din mein file. 1 July 2026 se lagu.
Reserve Bank – Integrated Ombudsman Scheme, 2026
Ombudsman nuksaan ke liye ₹30 lakh tak aur time, kharche aur harassment ke liye ₹3 lakh tak dila sakta hai; appeal 30 din mein.
RBI circular on Turn Around Time and customer compensation for failed transactions (20 September 2019)
Failed ATM, card aur UPI transactions ka paisa lautane ki deadline, aur bank late ho toh har din ₹100 compensation.
Consumer Protection Act, 2019 — Sections 2(11), 2(42)
Banking ek 'service' hai, aur usme koi bhi kami 'deficiency' hai jiski complaint Consumer Commission mein ho sakti hai.
Official text padho

Help kahan milegi

RBI Ombudsman

Bank ya payment app complaint solve na kare toh yahan jao.

Call karo 14448 cms.rbi.org.in

e-Jagriti consumer case filing

Consumer Commission mein online case file karo.

e-jagriti.gov.in

Source aur status

Kahan lagu: Poore India mein
Law lagu hua: 1 Jul 2026
Legal review: Draft — lawyer review baaki hai

Yeh educational jaankari hai, aapke case ke liye legal advice nahi. Exact facts aur lagu law matter karte hain — kuch karne se pehle lawyer se baat karo.