How to File a Complaint Against a Bank or NBFC: RBI Ombudsman Guide

Step 1: Complain to the lender

Write to the branch, customer care or the grievance email, describing the issue, dates, amounts and what you want done. Always get a complaint reference number.

Step 2: Escalate inside the company

If the answer is unsatisfactory, write to the principal nodal officer or grievance redressal officer. Their details are required to be displayed on the lender’s website.

Step 3: Approach the RBI Integrated Ombudsman

You can file with the RBI Ombudsman if:

• the lender did not reply within 30 days of your complaint, or
• you are not satisfied with the reply, and
• you file within the time limit set by the scheme (currently one year from the lender’s reply).

Complaints can be filed online on the RBI’s complaint portal, by email or by post. There is no fee.

What to keep ready

• Account or loan number, and the transaction details.
• Your original complaint and the lender’s reply with reference numbers.
• Screenshots, statements or letters supporting your case.
• The relief you want, such as a refund or correction.

Common complaints

Failed transactions, unfair charges, wrong credit reporting, harassment by recovery agents and delay in releasing property documents after loan closure. For specific cases, see failed ATM transactions and credit report errors.

CibilBazaar also has a grievance policy for complaints about our own service.

This article is for general information only and is not financial, legal or tax advice. Interest rates, fees and rules change, so confirm current terms with the lender or the regulator before you decide. Examples use illustrative figures. Last reviewed: October 2026.