What you need to submit for an RBI Complaint

When submitting an RBI complaint, you must provide your full name and comprehensive contact details. The RBI requires your age and gender for record-keeping purposes. Your full postal address is mandatory to receive any physical correspondence regarding your case. Your email ID and mobile number are essential for digital communications and updates about your complaint status. While providing a landline number isn't mandatory, including it, gives the RBI an alternative way to reach you.

You need to clearly identify which bank or financial institution your complaint concerns. Specify the exact branch or office where the issue occurred, as this helps route your complaint properly. When describing who your complaint against is directed toward, be precise about the department or service that caused the problem.

Provide complete facts about your issue, including all relevant details that explain what happened. The transaction date is crucial for the RBI to investigate correctly. Include specific account details (with appropriate masking for security) and card numbers if applicable to your situation. If you've already made a representation to the bank, mention the date of complaint and any reply received from them. This shows you've attempted to resolve the issue directly first.

Clearly explain the nature and extent of loss you've experienced. Document any financial loss or other damages experienced due to the bank's actions or inaction. State the relief sought - the specific remedy or resolution you're looking for. Being clear about your expectations helps the RBI understand what outcome would satisfy your complaint.

Be aware that certain complaints are considered non-maintainable under RBI's guidelines. Review these guidelines before filing to ensure your complaint is eligible for consideration by the RBI Ombudsman. Include a declaration confirming that your complaint meets the eligibility criteria and that the information provided is accurate.

Attach all supporting documents and relevant documents that strengthen your case. These may include bank statements, transaction receipts, and copies of any correspondence between you and the bank regarding the issue. Properly organized documentation significantly improves your chances of a favorable outcome.

You can submit your complaint online through the RBI CMS portal, which is the fastest method. Alternatively, you can send it by post to the Centralised Receipt and Processing Centre (CRPC) at the address provided on the RBI website. For electronic submissions, you can email your complaint to the designated email address of the RBI. There is no fee for filing a complaint with the RBI, making the process accessible to all consumers.