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: Know when to file an RTI and when to file a complaint in India. Use the document-versus-action test, examples and decision table.
Need help drafting this RTI? Use our free RTI Assistant — describe your problem, get a ready-to-file Section 6(1) application with your name and address pre-filled. Also handles First Appeal and Second Appeal to the CIC/SIC.
Did you know? An RTI application is not a grievance. It does not order action. It only asks for information already on record. The Central Information Commission dismissed thousands of RTIs in 2024 because applicants used them to complain about potholes, pension delays, or electricity bills, instead of requesting the file notings and documents that would prove the failure.
In one line: File an RTI when you need a document or record. File a complaint when you need action. An RTI will not fix a problem. It will only tell you what the government has already decided, written, or recorded about your problem.
When to file an RTI in India and when to file a complaint instead. Real scenarios, a decision table, and the one test that saves months of wasted effort.
Ask yourself one question before drafting.
Am I asking for a document, or am I asking for action?
Using the wrong tool wastes 30 days under the RTI Act and another 45 days on first appeal. That is 75 days lost before the real work begins.
| Your problem | Tool | Where to send it |
|---|---|---|
| You want the inspection report of a school | RTI | School's Central or State Public Information Officer |
| The road outside your house has potholes | Complaint | Municipal corporation helpline or CPGRAMS |
| You want the file noting behind a tender award | RTI | PIO of the awarding authority |
| Your pension has been stopped | Complaint first | CPAO, or PF office, or the pensioner's bank |
| You want to know why your pension was stopped (the reason) | RTI | PIO of the pension-sanctioning authority |
| An officer asked for a bribe | Complaint | CVC, state anti-corruption bureau, or the police |
| You want the number of bribery complaints received last year | RTI | PIO of the CVC or the department |
| Your EPF claim is delayed | Complaint first | EPFiGMS grievance portal |
| You want the status of your EPF claim file | RTI | PIO of the EPFO regional office |
| Your MP or MLA has not answered your letter | Reminder, not RTI | Write again to the office |
| You want to know how many letters your MLA answered in 2024 | RTI | PIO of the Legislative Assembly secretariat |
| You suspect your RTI was wilfully refused | Section 18 complaint | Central or State Information Commission |
Ramesh, 68, is a retired school teacher. His pension has not credited for two months. He files a long RTI asking “Why has my pension been stopped and please restore it immediately.” The PIO replies after 28 days saying this is a grievance, not an information request. Ramesh loses a month.
The better path:
Priya wants to know whether her MP sanctioned a crematorium wall in her ward under MPLADS, and whether it was built.
Arjun's neighbour assaulted him. The police station refused to register an FIR.
An RTI is powerful when you need any of the following.
It is free for Below Poverty Line applicants (see Section 7(5)) and costs Rs 10 for all others.
Do not file an RTI for any of these.
| The problem | The right complaint channel |
|---|---|
| Central Government grievance | CPGRAMS |
| Consumer complaint | National Consumer Helpline (NCH) |
| Income-tax grievance | e-Nivaran portal of the Income-Tax Department |
| Passport issue | mPassport grievance |
| Banking grievance | RBI Integrated Ombudsman Scheme |
| EPF claim delay | EPFiGMS grievance portal |
| Police refusing FIR | Superintendent of Police, then the magistrate under the BNSS, 2023 |
| Judicial grievance | Registrar of the concerned court |
| Railway grievance | Rail Madad portal |
| Municipal grievance | State-level municipal helpline (varies by city) |
| Corruption by a public servant | CVC or the state anti-corruption bureau |
The RTI Act itself has a complaint provision. Section 18 lets you complain directly to the Central or State Information Commission about the PIO if you were wrongly refused, ignored, or misled. That is different from the first or second appeal route under Section 19.
Use Section 18 when the process was wrong, not just the content of the reply. Examples: the PIO never replied, the department refused to accept your application, or the information provided was knowingly false or misleading.
Yes. Most seasoned practitioners do. The complaint seeks action, and a parallel RTI produces the file notings that either support or demolish the department's response to the complaint. Keep them as two separate letters, sent to the right authority.
No. CPGRAMS is for grievances against Central Government services. It does not compel disclosure of documents. It is faster for resolution but gives you no paper trail. Use both in tandem.
Redraft the application to ask for specific documents relating to your grievance. Do not phrase the request in action language. Then re-file it. If the PIO again refuses, file a first appeal under Section 19(1) within 30 days.
No. The grievance and RTI routes run in parallel. File both, monitor both, keep both letters filed.
Only if the institution is a public authority under Section 2(h) of the Act, which includes bodies that are substantially financed by the government. A fully private school or hospital is not. Instead, use the sector regulator or the consumer forum. See Thalappalam Co-op Bank v. State of Kerala (SC, 2013) and Explanation: substantially financed.
If you still want to proceed with an RTI, use the standard first-RTI template. For complaints, use the grievance portal that matches your problem from the table above. For a refresher on what the Act can and cannot do, read the RTI Act 2005 (as amended) and the RTI FAQ.
Last —- More comparisons: browse every RTI-vs-alternative side-by-side in RTI vs Alternatives: the full comparison hub <!– rti-wiki-comparisons-hub-2026-vs-start –>
===== RTI vs complaint: When to use which remedy (2026) ===== - Step 1: What is the difference between RTI and a complaint? (a) RTI: (i) purpose: seek information from public authorities, (ii) legal basis: RTI Act 2005, (iii) outcome: information disclosure, (iv) timeline: 30 days, (v) cost: Rs 10, (vi) scope: only public authorities, (b) Complaint: (i) purpose: seek redress for grievance or wrongdoing, (ii) legal basis: varies — service rules, Consumer Protection Act, CPC, CrPC, (iii) outcome: corrective action or penalty, (iv) timeline: varies, (v) cost: varies, (vi) scope: public and private. - Step 2: Comparison table — RTI vs complaint vs grievance vs PIL. (a) RTI: (i) purpose: information, (ii) authority: CPIO of public authority, (iii) timeline: 30 days, (iv) appeal: First appeal → CIC/SIC, (v) cost: Rs 10, (vi) best for: getting records, status, reasons for delay, (b) Complaint: (i) purpose: redress, (ii) authority: department head, ombudsman, (iii) timeline: 30-60 days, (iv) appeal: higher authority, (v) cost: free, (vi) best for: service deficiency, officer misconduct, © Consumer complaint: (i) purpose: compensation, (ii) authority: consumer forum, (iii) timeline: 3-6 months, (iv) appeal: state/national commission, (v) cost: minimal, (vi) best for: deficiency in service, (d) PIL: (i) purpose: public interest, (ii) authority: High Court/Supreme Court, (iii) timeline: months-years, (iv) appeal: Supreme Court, (v) cost: substantial, (vi) best for: systemic issues. - Step 3: When to use RTI vs complaint. (a) Use RTI when: (i) you need information or documents, (ii) you want to know the status of an application, (iii) you want to expose delays or irregularities, (iv) you need data for a complaint or litigation, (b) Use complaint when: (i) you want corrective action, (ii) you suffered loss or harm, (iii) you want officer held accountable, (iv) you want compensation, © Best strategy: file RTI first to gather evidence, then file complaint with facts. - Step 4: How RTI supports a complaint. (a) Step 1: File RTI to get documentary evidence, (b) Step 2: Analyze information received, © Step 3: File complaint with specific facts and documents, (d) Step 4: Use RTI response as evidence in proceedings, (e) Step 5: File further RTI to track complaint status. - Step 6: Practical tips. (a) file RTI first to gather evidence, (b) use RTI response in complaint, © file complaint for corrective action, (d) file consumer complaint for compensation, (e) file PIL for systemic issues, (f) Example: A citizen's pension was delayed; filed RTI; discovered file was pending for 6 months; filed complaint with proof; pension released in 15 days. See RTI vs Complaint and How to File RTI and RTI First Appeal and RTI Second Appeal.