NRI and cross-border guides
RBI Ombudsman as of 1 July 2026: Bank, certain NBFC, prepaid-instrument and credit-information complaints go under the Reserve Bank - Integrated Ombudsman Scheme, 2026, which replaced RB-IOS 2021 from 1 July 2026. First complain to the entity. If there is no reply in 30 days (or the longer NPCI/card-network window, if it applies) or you reject the reply, file free at cms.rbi.org.in within 90 days. The Ombudsman can award up to Rs 30 lakh for consequential loss and up to Rs 3 lakh for time, expenses and harassment. Complaints received before 1 July 2026 stay under the 2021 scheme. Source: RBI FAQ, updated 1 July 2026 and the RB-IOS 2026 FAQ PDF dated 1 July 2026.
Quick Reply: Frozen NRI accounts, inherited land stuck in mutation, property decisions from abroad. Remedies that work without flying to India.
Reviewed on: 2026-06-12.
You live in Dubai or Toronto. Your NRE account gets frozen for re-KYC even after you mailed the documents. A field you inherited in your home district has been waiting two years for mutation. A redevelopment builder wants your signature on an agreement you have never read. This category is for people managing Indian money, property and status from outside India: NRI and NRO banking, inherited and ancestral property, OCI matters and cross-border business such as export registrations.
The scope line matters. If your problem is a passport, a visa, an apostille or something that went wrong at the airport, that lives under travel, passport and NRI documents. This hub is about assets and accounts inside India while you are outside it.
The good news is that almost every remedy here works remotely. The RBI Integrated Ombudsman accepts complaints online at cms.rbi.org.in. CPGRAMS at pgportal.gov.in reaches central departments. State RTI portals and the central RTI portal accept applications from NRIs, and revenue records in most states are now online. A power of attorney, properly attested at the Indian mission, handles the steps that still need a physical presence. The guides below give the exact sequence for each problem.
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