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rbi.org.in Lodging Online Complaint With Banking Ombudsman : Reserve Bank of India

Organization : Reserve Bank of India
Facility : Lodging Online Complaint With Banking Ombudsman :

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Home Page : https://rbi.org.in/commonperson/English/Scripts/Home.aspx
Complaint here : https://secweb.rbi.org.in/BO/precompltindex.htm

Lodging Online Complaint With Banking Ombudsman

First approach your bank with a written complaint.

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Related : Reserve Bank of India Senior Citizens Savings Scheme : www.statusin.in/1671.html

You can approach the Banking Ombudsman IF :
** You have not received a reply from your bank within one month from the date of receipt of complaint by the bank OR
** The bank has rejected your complaint OR
** You are not satisfied with bank’s reply.

lodge the complaint by Email/Fax/Post. :
** In case of any difficulty in lodging online complaint, you can also lodge the complaint by Email/Fax/Post.
** Contact details of all the Banking Ombudsman are given on the website of RBI at rbi.org.in/commonman/English/Scripts/AgainstBankABO.aspx

Banking Ombudsman Scheme :
The Banking Ombudsman Scheme, 2006 enables resolution of complaints of bank customers relating to certain services rendered by banks.

Legal power :
The Banking Ombudsman is a quasi judicial authority. It has power to summon both the parties – bank and its customer, to facilitate resolution of complaint through mediation.
TYPES OF COMPLAINTS BEFORE BANKING OMBUDSMAN

The Banking Ombudsman can receive and consider any complaint relating to the following deficiency in banking services :
** non-payment or inordinate delay in the payment or collection of cheques, drafts, bills, etc.;
** non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission for this service;
** non-acceptance, without sufficient cause, of coins tendered and for charging of commission for this service;
** non-payment or delay in payment of inward remittances ;
** failure to issue or delay in issue, of drafts, pay orders or bankers’ cheques;
** non-adherence to prescribed working hours;
** failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents;
** delays, non-credit of proceeds to parties’ accounts, non-payment of deposit or non-observance of the Reserve Bank directives, if any, applicable to rate of interest on deposits in any savings, current or other account maintained with a bank ;
** delays in receipt of export proceeds, handling of export bills, collection of bills etc., for exporters provided the said complaints pertain to the bank’s operations in India;
** refusal to open deposit accounts without any valid reason for refusal;
** levying of charges without adequate prior notice to the customer;
** non-adherence by the bank or its subsidiaries to the instructions of Reserve Bank on ATM/debit card operations or credit card operations;
** non-disbursement or delay in disbursement of pension to the extent the grievance can be attributed to the action on the part of the bank concerned, (but not with regard to its employees);
** refusal to accept or delay in accepting payment towards taxes, as required by Reserve Bank/Government;

3 Comments
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  1. Pankaj Thakordas Desai

    1)Forced closure of Fix Deposits accounts without due notice by The Punjab & Maharashtra Co.Op Bank Ltd.
    2) Non-adherence to the fair practices code as adopted by the Punjab & Maharashtra Co.Op Bank Ltd.

  2. I need to know about pre closure charges for loan against property loan.

  3. MY QUESTION IS THAT WHAT IS THE CRITERIA OF THIS EXAM?

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