COMPLAINT AGAINST BANK

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PROTECTING CONSUMERS SINCE LAST 22 YEARS

BANKING OMBUDSMAN

Complaint format for Banking Ombudsman

All banks are covered under the Consumer Protection Act. Banking Ombudsman also hears the complaints against the banks. Hence the consumer is fully protected against any defect or deficiency by the banks. ICRPC helps to get your grievance settled against the bank.

Ombudsman Scheme is a system of expeditious and inexpensive resolution to customer complaints. Any person whose grievance against a Bank is not resolved to his satisfaction by the Bank within a period of two months, he can approach the Banking Ombudsman if his complaint pertains to any of the matters specified in the scheme. Banking Ombudsmen have been authorised to look into the complaints concerning

a. Deficiency in banking service

b. Sanction of loans and advances in so far as they relate to non-observance of the Reserve Bank of India directives on interest rates, delays in sanction or non-observance of prescribed time schedule for disposal of loan application or non observance of any other directions or instructions of the Reserve Bank, etc. and  (c). Other matters as may be specified by the Reserve Bank. Ombudsman would make recommendations after listening to both parties.  In case the recommendation made by the Banking Ombudsman is not accepted by either of the parties, Banking Ombudsman proceeds to make an award. The scheme is applicable to all scheduled commercial banks having business in India and scheduled primary co-operative banks except Regional Rural Banks. The procedure for the redressal of grievances under the Banking Ombudsman Scheme is profiled as under:

1. Written complaint is to be lodged by a person or an authorised representative

2. Complaint shall include signature of the complainant or an authorised representative along with the name, address and also name and address of the bank office/branch along with supportive documents, the nature and extent of the loss incurred and the relief sought from the Banking Ombudsman and a statement about the compliance of the conditions referred to in Sub-clause (3) of this clause.

3. No complaint to the Banking Ombudsman shall lie unless:

  1. Written representation was made to the bank and either the bank had rejected the complaint or no reply was received from the bank within 60 days of receipt of complaint or in case of unsatisfactory reply received from the bank.
  2. The complaint is made one year after the rejection of the representation by the bank or dispatch of final reply by the bank on the representation.
  3. The complainant is not in receipt of the same subject matter if settled by the Banking Ombudsman in previous proceeding/s whether received from the same complainant or any one or more of the parties concerned with the subject matter.
  4. The complaint is not the same subject matter, for which any proceedings before any court, tribunal or arbitrator or any other forum is pending or a decree or Award or order of dismissal has already been passed by any such court, tribunal, arbitrator or forum.
  5. The complaint if not frivolous or vexatious in nature.

Jurisdiction of Banking Ombudsmen

 

Sl.

No.

Centre

Name & Address of the Office of

Banking Ombudsman

Area of Operation

1.

Ahmedabad

Smt. N Sara Rajendra Kumar

C/o Reserve Bank of India 5th  Floor, Nr. Income Tax, Ashram Road Ahmedabad-380 009

STD Code: 079

Tel. No. 26582357

Click here to lodge complaint

Gujarat, Union Territories of Dadra and Nagar Haveli, Daman and Diu

2.

Bengaluru

Ms Saraswathi Shyamprasad

C/o Reserve Bank of India 10/3/8, Nrupathunga Road Bengaluru -560 001

STD Code: 080

Tel. No. 22277660/22180221 Fax No. 22276114

Click here to lodge complaint

Karnataka

3.

Bhopal

Shri Hemant Kumar Soni C/o Reserve Bank of India Hoshangabad Road

Post Box No. 32, Bhopal-462 011

STD Code: 0755

Tel. No. 2573772

2573776, 2573779

Click here to lodge complaint

Madhya Pradesh

4.

Bhubaneswar

Shri Biswajit Sarangi C/o Reserve Bank of India Pt. Jawaharlal Nehru Marg Bhubaneswar-751 001

STD Code: 0674

Tel. No. 2396207

Fax No. 2393906

Click here to lodge complaint

Odisha

5.

Chandigarh

Shri M K Mall

C/o Reserve Bank of India 4th  Floor, Sector 17 Chandigarh

Tel. No. 0172 - 2703937

Fax No. 0172 - 2721880

Click here to lodge complaint

Himachal Pradesh, Punjab, Union Territory of Chandigarh and Panchkula, Yamuna Nagar and Ambala Districts of Haryana.


6.

Chennai

Dr. Balu K

C/o Reserve Bank of India Fort Glacis, Chennai 600 001

STD Code: 044

Tel No. 25395964

Fax No. 25395488

Click here to lodge complaint

Tamil Nadu, Union Territories of Puducherry (except Mahe Region) and Andaman and Nicobar Islands

7.

Dehradun

Shri Arun Bhagoliwal

C/o Reserve Bank of India

74/1 G.M.V.N. Building, 1st floor, Rajpur Road,

Dehradun - 248 001 STD Code : 0135

Telephone : 2742001

Fax : 2742001

Click here to lodge complaint

Uttarakhand and seven districts of Uttar Pradesh viz., Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor and Amroha (Jyotiba Phule Nagar)

8.

Guwahati

Shri Thotngam Jamang C/o Reserve Bank of India Station Road, Pan Bazar Guwahati-781 001

STD Code: 0361

Tel.No. 2734219/ 2512929

Click here to lodge complaint

Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland and Tripura

9.

Hyderabad

Shri T Srinivasa Rao C/o Reserve Bank of India 6-1-56, Secretariat Road

Saifabad, Hyderabad-500 004

STD Code: 040

Tel. No. 23210013

Fax No. 23210014

Click here to lodge complaint

Andhra Pradesh and Telangana

10.

Jaipur

Ms. Rekha Chandanaveli C/o Reserve Bank of India, 4th  floor Rambagh Circle, Tonk Road, Jaipur - 302 004

STD Code: 0141

Tel. No. 2577931

Click here to lodge complaint

Rajasthan

11.

Jammu

Shri Ramesh Chand C/o Reserve Bank of India, Rail Head Complex, Jammu- 180012

STD Code : 0191

Telephone: 2477905

Fax : 2477219

Click here to lodge complaint

Union Territories of Jammu & Kashmir and Ladakh


12.

Kanpur

Shri P K Nayak

C/o Reserve Bank of India

M. G. Road, Post Box No. 82 Kanpur-208 001

STD Code: 0512

Tel. No. 2305174/ 2303004

Click here to lodge complaint

Uttar Pradesh (excluding Districts of Ghaziabad, Gautam Buddha Nagar, Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor and Amroha (Jyotiba Phule Nagar)

13.

Kolkata

Shri Rabindra Kishore Panda

C/o Reserve Bank of India 15, Netaji Subhash Road Kolkata-700 001

STD Code: 033, Tel. No. 22310217

Fax No. 22305899

Click here to lodge complaint

West Bengal and Sikkim

14.

Mumbai (I)

Dr. Neena Rohit Jain C/o Reserve Bank of India 4th  Floor, RBI Byculla Office Building,

Opp. Mumbai Central Railway Station,

Byculla, Mumbai-400 008

STD Code: 022

Tel No. 23022028

Fax : 23022024

Click here to lodge complaint

Districts of Mumbai, Mumbai Suburban and Thane

15.

Mumbai (II)

Shri S.K.Kar

C/o Reserve Bank of India, 4th  Floor, RBI Byculla Office

Building, Opp. Mumbai Central Railway Station, Byculla, Mumbai-400 008

STD Code: 022

Telephone: 23001483

Fax : 23022024

Click here to lodge complaint

Goa and Maharashtra, (except the districts of Mumbai, Mumbai Suburban and Thane)

16.

Patna

Shri Rajesh Jai Kanth C/o Reserve Bank of India Patna-800 001

STD Code: 0612

Tel. No. 2322569/2323734 Fax No. 2320407

Click here to lodge complaint

Bihar

17.

New Delhi (I)

Shri R.K. Moolchandani C/o Reserve Bank of India, Sansad Marg, New Delhi STD Code: 011

Tel. No. 23725445

Fax No. 23725218

Click here to lodge complaint

North, North-West, West, South-West, New Delhi and South districts of Delhi


18.

New Delhi (II)

Ms. Ruchi A S H

C/o Reserve Bank of India Sansad Marg, New Delhi STD Code: 011

Tel. No. 23724856

Click here to lodge complaint

Haryana (except Panchkula, Yamuna Nagar and Ambala Districts) and Ghaziabad and Gautam Budh Nagar districts of Uttar Pradesh

19.

New Delhi (III)

Ms. Suchitra Maurya C/o Reserve Bank of India Sansad Marg, New Delhi STD Code: 011

Tel. No. 23715393

Fax No. 23765234

Click here to lodge complaint

North-East, Central, Shahdara, East and South-East districts of Delhi

20.

Raipur

Shri J. P. Tirkey

C/o Reserve Bank of India 54/949, Shubhashish Parisar, Satya Prem Vihar

Mahadev Ghat Road, Sundar Nagar, Raipur- 492013

STD Code : 0771

Telephone: 2244246

Click here to lodge complaint

Chhattisgarh

21.

Ranchi

Smt Chandana Dasgupta

C/o Reserve Bank of India 4th  Floor, Pragati Sadan, RRDA Building,

Kutchery Road, Ranchi Jharkhand 834001

STD Code : 0651

Telephone : 8521346222/9771863111/

7542975444

Fax : 2210511

Click here to lodge complaint

Jharkhand

22.

Thiruvananthapuram

Shri G Ramesh

C/o Reserve Bank of India Bakery Junction Thiruvananthapuram-695 033

STD Code: 0471

Tel. No. 2332723/2323959 Fax No. 2321625

Click here to lodge complaint

Kerala, Union Territory of Lakshadweep and Union Territory of Puducherry (only Mahe Region).

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