Reviewed on: 2026-06-12.
This category is about your account and the money parked in it. It covers savings and current accounts, fixed deposits, freezes and liens, account closure, and what happens to the money after the account holder dies. Loans, EMIs, credit reports and investments sit in banking and finance. Failed transfers and wrong debits sit in banking, UPI and payment failures.
The freeze guides are the most read. Accounts get frozen for KYC gaps, for cybercrime complaints filed anywhere in India, and for liens marked by police or courts. The fix differs in each case, and the first step is always the same: get the freeze reason and the ordering authority in writing from the branch. The succession guides cover nominee claims, survivorship in joint accounts, and locker access after a death. RBI norms set timelines for settling deceased claims, and the guides quote them.
For every problem here, the ladder is the branch, then the bank's nodal officer, then the RBI Integrated Ombudsman at cms.rbi.org.in after 30 days. RTI works against public sector banks and against RBI, not against private banks.
Browse all practical guides for problems outside this category.