RBI complaint — when bank ombudsman fails (2026)

• RBIOS covers banks + NBFCs + digital wallets + payment systems
• Single portal cms.rbi.org.in
• Free + online + multilingual
• 30-90 day resolution
• Compensation up to Rs 30L + Rs 1L mental harm

1. Login at cms.rbi.org.in — OTP-based registration.
2. File grievance — Specific category from drop-down.
3. Upload bank rejection / proof — Mandatory.
4. RBIOS allocates case — Within 7 days.
5. Conciliation / adjudication — Hearing online or in-person.
6. Decision — 30-90 days; mandatory for bank.

• Bank reply / rejection proof
• Identity proof
• Account details + dispute

• RBIOS rejects “non-jurisdiction” — RTI for jurisdiction matrix.
• No movement > 30 days — RTI to RBIOS secretariat.
• Decision against — appeal to Appellate Authority RBI.
• Bank not implementing — file contempt OR RTI for compliance status.

Most “delays” or “rejections” clear within 7-15 days of an RTI being filed. Use this 5-question template:

1. Status of my application no. _____ dated _____ as on date.
2. Name + designation of dealing officer assigned to my file.
3. Reasons for delay beyond the statutory timeline.
4. Copy of any noting / movement of my file in the past 30 days.
5. Likely date of resolution / decision.

Auto-fill the PIO + your case: Open the AI RTI Drafter →

RBIOS is the unified scheme since 2021. Old BO has same powers; RBIOS broader (NBFCs + digital).

1 year from bank/NBFC final reply.

Rs 30 lakh + Rs 1 lakh mental agony.

Yes — RBI funds.

• All banking guides
• 25 status-check guides
• 25 how-to-apply guides
• 16 rejection-recovery guides
• 32 helplines + grievance routes
• Full RTI Playbook

Last reviewed: 26 April 2026.