How to File a Complaint with the Reserve Bank of India

Step 1: Assess the Complaint

Identify the Issue: Clearly define the nature of your complaint, whether it's related to banking services, financial products, unauthorized transactions, or poor customer service.
Gather Documentation: Collect all relevant documents and information, including account statements, correspondence with the financial institution, and any evidence supporting your complaint.

Step 2: Attempt to Resolve Internally

Contact the Financial Institution: Before escalating to the RBI, make sure to contact your bank or NBFC (the Regulated Entity or RE) directly and follow their formal complaint process. Ensure you keep a record of all communications and responses.
Use Their Complaint Mechanism: Most financial institutions have a dedicated grievance redressal mechanism, including an internal ombudsman or customer service department.

Step 3: Prepare Your Complaint for the RBI

Choose Your Preferred Method: Prepare a detailed complaint in the required format as specified in Annexure 'A' of the Scheme against Regulated Entity, outlining the issue, the steps you have taken to resolve it, and include relevant documents. Clearly state your desired resolution.
Include Necessary Details: Ensure your complaint includes your personal details (complainant's name, address, contact information), account details, the entity's location, and any reference numbers related to previous communications with the institution.

Step 4: Submit Your Complaint to the RBI

Choose Your Preferred Method: You can file your complaint through several channels:

• Online Submission: Visit the RBI website and file your complaint online through the Integrated Ombudsman Scheme (RB-IOS) Complaint Management System (CMS) portal. Follow the instructions and provide all necessary details requested in the form.
• Email Submission: Send your complaint to [email protected] with all required information and attachments.
• Physical Letter: Submit a complaint by sending a letter to:
  Submit a complaint by sending a letter to the Centralised Receipt and Processing Centre (CRPC) at: Centralised Receipt and Processing Centre, 4th Floor, Reserve Bank of India, Sector-17, Central Vista, Chandigarh - 160017.
• Anywhere in the Country: The RB-IOS mechanism allows you to file complaints regardless of your location within the country.

Step 5: Follow Up on Your Complaint

Track Progress: After submitting your complaint, you can track its status through the RBI CMS Portal or by contacting the RBI Ombudsman office directly.
Provide Additional Information: If requested, promptly provide any additional information or documentation to facilitate the resolution of your complaint. Escalate if Dissatisfied: If you're dissatisfied with the resolution provided, you can escalate the matter further through the RBI's established processes.