International Consumer Rights Protection Council

 

Action against bank

About  Banking Ombudsman


HOW TO TAKE ACTION AGAINST A BANK

BANKING CODES AND STANDARDS BOARD OF INDIA

To get your grievance redressed, this is what you must do

1) Lodge a complaint, in writing, with the branch concerned.

2) If your grievance is not redressed at the branch, you may approach the higher authorities of the bank (Regional / Zonal Manager) whose contact details should be available at the branch.

3) If you do not receive a reply within 30 days of lodging your complaint with the bank or you are not satisfied with the reply, you may approach the Banking Ombudsman under whose jurisdiction the branch falls. The contact details of the Banking Ombudsman should be available at the branch as also at www.bankingombudsman.rbi.org.in

Banking Codes and Standards Board of India endeavours to bring about systemic changes in the member banks so as to ensure that these banks will at the minimum, render banking services as committed in terms of the Codes. 

Write to

The Banking Codes and Standards Board of India,
Reserve Bank of India Building,
C-7, 4 th Floor,
Bandra Kurla Complex,
Mumbai - 400 051.

Phone

022 - 26573715, 26573724.
Fax 022 - 26573719.
Helpdesk help.bcsbi@rbi.org.in

 

 

 

THE BANKING OMBUDSMAN

The Ombudsman Scheme is a system of expeditious and inexpensive resolution to the 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.

 
Address and Area of Operation of Banking Ombudsman

Sl.
No.

Centre

Address of the Office of
Banking Ombudsman

Area of Operation

1.

Ahmedabad

Shri. Rajesh Kumar
C/o Reserve Bank of India
La Gajjar Chambers,
Ashram Road,
Ahmedabad-380 009

Tel.No.26582357/
26586718 / 2657 5807
Fax No.079-26583325

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

2.

Bangalore

Shri. M. Palanisamy
C/o Reserve Bank of India
10/3/8, Nrupathunga Road
Bangalore-560 001

Tel.No.22210771/22275629
Fax No.080-22244047

Karnataka

3.

Bhopal

Shri A.F. Naqvi
C/o Reserve Bank of India
Hoshangabad Road,
Post Box No.32,
Bhopal-462 011

Tel.No.2573772/2573776
Fax No.0755-2573779

Madhya Pradesh and Chattisgarh

4.

Bhubaneswar

Shri B. K. Mishra,
Banking Ombudsman for Odisha,
C/o Reserve Bank of India
Pt. Jawaharlal Nehru Marg
Bhubaneswar-751 001

Tel.No. 0674-2394844
Fax No. 0674-2393906

Orissa

5.

Chandigarh

Shri R.K. Sood
C/o Reserve Bank of India
4th Floor, Sector 17, Central Vista
Chandigarh 160 017

Tel.No.0172-272 1109/2721011/2784261
Fax No.0172-2721880

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

6.

Chennai

Shri U. Chiranjeevi
C/o Reserve Bank of India,
Fort Glacis,
Chennai 600 001

Tel No. (044) 2539 5964 / 25399170
/25399159/25399158
Fax No.044-25395488

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

7.

Guwahati

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

Tel.No.2542556/2540445
Fax No.0361-2540445

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

8.

Hyderabad

Dr. N. Krishna Mohan
C/o Reserve Bank of India
6-1-56, Secretariat Road
Saifabad,
Hyderabad-500 004

Tel.No.23210013/23243970
Fax No.040-23210014

Andhra Pradesh

9.

Jaipur

Shri N.P.Topno
C/o Reserve Bank of India,
4th floor
Rambagh Circle, Tonk Road
Jaipur-302 052
Tel.No.(0141)5107973/5101331
Fax No.0141-2562220

Rajasthan

10.

Kanpur

Shri A K Naskar
C/o Reserve Bank of India
M.G. Road, Post Box No.82
Kanpur-208 001

Tel.No.(0512) 2306278/2306330
Fax No.0512-2305938

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Uttar Pradesh (excluding Districts of Ghaziabad and Gautam Budh Nagar)
and Uttaranchal

11.

Kolkata

Dr. (Smt) S. Chattopadhyay
C/o Reserve Bank of India
15, Nethaji Subhas Road
Kolkata-700 001

Tel No.(O) : (033)2230-4982
Fax No.033-22305899

West Bengal and Sikkim

12.

Mumbai

Smt. Rose Mary Sebastian
C/o Reserve Bank of India
Garment House,
3rd Floor,
Dr. Annie Besant Road,
Worli, Mumbai-400 018

Tel.No.24924607/24960893/
2493 3358
Fax No.022-24960912

Maharashtra and Goa

13.

New Delhi

Smt. Rashmi Fauzdar
C/o Reserve Bank of India,
Sansad marg,
New Delhi - 110001

Tel No. (011)  23730632/23730633
/23766130/23766131
Fax No. 011- 23725218/23725219

Delhi, Jammu & Kashmir, Haryana (except the districts of Ambala , Yamuna Nagar and Panchkula), and the districts of Ghaziabad and Gautam Budh Nagar of Uttar Pradesh

14.

Patna

Shri Patric Barla
C/o Reserve Bank of India,
Patna-800 001

Tel.No.2322569/2323734
Fax No.0612-2320407

Bihar and Jharkhand

15.

Thiruvananthapuram

Shri A Madasamy
C/o Reserve Bank of India
Bakery Junction
Thiruvananthapuram-
695033

Tel.No.0471-2326852 /2332723/2323959
Fax No.0471-2321625

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

 

 

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International Consumer Rights Protection Council