Salary Credited But Balance Not Updated? — citizen guide 2026

The SMS says your salary is credited, but the balance in the app has not moved. Before you panic, know this: in almost every case the money is already in your account, just held or not yet settled. This guide shows you how to tell which, and exactly what to do tonight to get your money moving.

It is the 1st. The SMS reads “Your a/c is credited with ₹62,400 (salary).” You open the app, and the balance is the same sad number from yesterday. The EMI auto-debits tomorrow. Rent is due. The money is right there in the SMS but not in your hands.

Breathe. Nine times out of ten the money has not vanished. It is sitting in your account, just not available yet, or it has been placed on a hold. The trick is to find out which one, fast.

Short on time? Jump to What to do in the next 30 minutes.

Indian banks show you two different numbers and rarely tell you the difference.

• Ledger balance is every rupee in the account on paper, including money that is held or not yet settled.
• Available balance is what you can actually spend or withdraw right now.

When your salary “shows but does not update”, your ledger balance went up but your available balance did not. Something is sitting between the two. Here is what that something usually is. For a deeper understanding of how Indian banks structure these balances, read the UPI balance check and NPCI settlement rules.

Most panic cases are reasons 1 to 4, pure timing. The serious ones are 5, 6 and 7, where money is genuinely held. The rest of this guide helps you tell them apart fast.

Open net-banking or the app and find both numbers. If the ledger is higher than available, your money is in the account but held, so go to Step 3. If the ledger itself has not moved, the credit has not landed yet, so go to Step 2.

Message HR or accounts: “Please share the UTR or transaction reference number and the date and time of this month's salary transfer.” The UTR (Unique Transaction Reference) is proof the money left the company's account. No UTR means the employer has not actually paid yet, and your fight is with HR, not the bank.

In the app, look for a “Hold amount”, “Lien amount” or “Amount on hold” line. Call the bank and ask directly: “Is there a lien, hold or freeze on my account, and under whose instruction?” Get the answer in writing through chat or email. The three serious holds and where to go next:

• Bank's own set-off for your overdue loan. See how to remove a lien on a bank account and whether a bank can deduct your entire salary for an EMI.
• Cyber-fraud freeze. Call 1930 and read how to lift a cyber-fraud account freeze and the NCRP acknowledgement and bank lien decoder.
• Court or garnishee order. Ask for a copy of the order. The holding is lawful only with one.

If a transfer failed (it debited the employer but never credited you), RBI's “Harmonisation of Turn Around Time (TAT) for resolution of customer transactions” framework, 2019 requires an auto-reversal within the prescribed window (T+1 day for NEFT, UPI and IMPS; longer for some card and ATM cases). If the bank misses that window, it must pay you ₹100 per day of delay, automatically, without you even asking. Quote this rule when you complain. The full circular is at rbi.org.in TAT Harmonisation circular.

Do not rely on a phone call. Use the bank's app or website complaint form, or email. State the amount, date and UTR, and ask for resolution. Demand a complaint or docket number. This number is your escalation passport; without it the Ombudsman will not entertain you.

If there is no fix in a reasonable time, escalate to the bank's Nodal Officer and then the Principal Nodal Officer, both listed on the bank's grievance-redressal page. Quote your docket number.

If the bank does not resolve it in 30 days, or rejects you, go to the RBI Integrated Ombudsman Scheme (RB-IOS), 2021, one free window for all banks. Read the step-by-step RBI Ombudsman walkthrough or file directly at cms.rbi.org.in / toll-free 14448. You only need your docket number and the dates. For a broader view of which regulator to approach, see which regulator to complain to in India.

When you see the salary SMS but the balance has not moved, the single most important diagnostic step is to compare your available balance against your ledger balance inside your banking app or net-banking portal.

• If the ledger balance increased but the available balance stayed flat, your salary has landed in the account but is temporarily held or awaiting settlement. This is the most common scenario and almost always resolves within hours to one working day.
• If neither balance moved, the credit has not reached your bank yet. The SMS you received was likely from your employer's payroll system (an “initiation” SMS), not a bank confirmation. Ask HR for the UTR to verify whether the money actually left the company account.
• If the available balance actually dropped below what you expected, the bank may have auto-debited charges, swept funds toward an overdue loan (right of set-off), or applied a minimum-balance penalty. Check your transaction history for deductions you did not authorise.

A frequent source of confusion is the timing of NEFT bulk batches. Employers submit salary as a single bulk file; if the file is submitted late in the day, it catches the next morning's batch. The payroll system sends the SMS at submission time, not at settlement time, so the gap between “SMS received” and “balance updated” can be 2 to 12 hours. For UPI-specific issues, read what to do when UPI is debited but not received.

A phone call alone is not enough. To build an escalation trail that the RBI Ombudsman will respect, you need a written complaint with a docket number. Here is the exact procedure:

• Step 1 — Gather your evidence. Screenshot the salary SMS, the UTR from HR, and your ledger vs available balance with date and time stamps visible. If there is a hold or lien amount visible in the app, screenshot that too.
• Step 2 — File through the bank's official channel. Use the in-app complaint form, the bank's website grievance page, or email the branch manager. State: amount, date, UTR, and the exact problem (balance not updated / available balance lower than expected / lien placed without notice).
• Step 3 — Demand a complaint or docket number. Every bank is required to issue one under the RBI's Internal Ombudsman Scheme guidelines. If the call centre refuses, escalate to the branch manager in writing.
• Step 4 — Wait for the bank's resolution timeline. Most banks must acknowledge within 24–48 hours and resolve within 7–30 days depending on the issue type (see the bank-wise table below).
• Step 5 — If unresolved, escalate internally to the Nodal Officer, then Principal Nodal Officer. Their contact details are on every bank's grievance-redressal page.
• Step 6 — If still unresolved after 30 days, file free with the RBI Ombudsman at cms.rbi.org.in or call 14448. You need your docket number and the dates.

For a comprehensive guide to the banking ombudsman process, read the full banking ombudsman complaint guide. If your issue involves a suspicious hold, also see what to do about a suspicious-transaction hold.

Sometimes the problem is the opposite: you know it is salary day, colleagues have received their SMS, but you have not. Here is what to check:

• Your employer has not transferred yet. The most common reason. Payroll is processed in batches, and if your record had an error (wrong account number, IFSC mismatch, name mismatch), your entry may have been flagged and held back. Ask HR whether your payment was included in the batch.
• SMS gateway delay. Banks use third-party SMS gateways that can lag by hours. Check your app's transaction history directly — the credit may have posted even if the SMS did not arrive. This is why you should never rely on the SMS alone.
• DND (Do Not Disturb) registration. If you activated DND on your number, transactional SMS should still come through (they are classified as “transactional”, not promotional), but some telcos misroute them. Check with your telecom operator or file a complaint with TRAI about missing SMS.
• Wrong registered mobile number. If you changed your phone number and did not update it with the bank, the SMS goes to your old number. Update it at the branch or via the bank's app.
• Account number mismatch. If your employer has an old account number on file, the salary may have been sent to a dormant or closed account. Ask HR for the UTR and trace it.

If you are a government employee and the salary comes through the DBT (Direct Benefit Transfer) pipeline, delays can also be tracked through the DBT Bharat portal. Read more about how to track subsidy and DBT payment status via RTI.

Your salary shows in the ledger, but every UPI payment fails with “Insufficient balance” or a generic error. This is a specific and frustrating variant of the balance-not-updated problem:

• Available balance is still zero. UPI draws from your available balance, not your ledger balance. If the salary is credited to the ledger but held (for any of the 10 reasons above), UPI will reject payments. Wait for the available balance to update, or resolve the hold.
• UPI reconciliation lag. Even after the available balance updates, the NPCI UPI rail can take a few minutes to reconcile. If you try a payment immediately after the balance updates, it may fail. Wait 5 to 10 minutes and retry.
• Bank-side UPI downtime. Your bank's UPI switch may be down. Check npci.org.in for status, or try a small ₹1 test payment to see if the rail is working. For recurring UPI failures, read UPI fraud and failed-payment recovery.
• Daily UPI limit reached. NPCI imposes a per-day limit (typically ₹1 lakh, higher for specific merchant categories). If you already hit the limit today, UPI will block further transactions even with sufficient balance. Check the UPI transaction limits for 2025.
• UPI Lite balance not reflected. If you use UPI Lite (on-device wallet), the on-device balance can desync from the server after a salary credit. Force-refresh the app or check UPI Lite troubleshooting.

If you are a government employee (central or state) and your salary or arrears are delayed, the RTI Act is a powerful tool because:

• Government departments are public authorities under the RTI Act, 2005. You can file an RTI with your own department's Central Public Information Officer (CPIO) asking for the status and reason for the delay.
• Public-sector banks (SBI, PNB, Bank of Baroda, Canara Bank, etc.) are also public authorities. The Central Information Commission has upheld this position repeatedly. You can file an RTI asking for the dated record of when your salary credit was received and processed, and why it was held.
• Private banks (HDFC, ICICI, Axis, Kotak) are not public authorities, so RTI does not reach them directly. However, you can RTI the RBI (which is a public authority — see Reserve Bank of India v. Jayantilal N. Mistry, (2016) 3 SCC 525) about its regulatory framework for salary credits and failed transactions.

What to ask in your RTI application:

• “Please provide the date and time on which my salary credit of ₹[amount] UTR [number] was received by [bank/department].”
• “Please provide the reason for any delay in making the credited amount available for withdrawal.”
• “Please provide a certified copy of the batch processing log or settlement record for [date].”
• “Please state whether any lien, hold or freeze was placed on my account, and under whose authority.”

File it for as little as ₹10 (free for BPL cardholders). Draft a clean application in minutes with the AI RTI Drafter. For step-by-step guidance, read how to write an effective RTI application and the banking and insurance RTI guide. If your RTI itself gets delayed, see RTI vs grievance portals — which to use when.

This is the most alarming variant: the SMS says credited, but the app shows ₹0 or a negative balance. Here is what is likely happening:

• Full set-off for an overdue loan or credit card. If you have an overdue EMI, personal loan, or credit card with the same bank, the bank can invoke its right of set-off (also called lien) and sweep the entire credited amount toward the outstanding dues. This is legal under banking law, but the bank must notify you. Read can a bank deduct your entire salary for an EMI and challenge it if the amount or notice is questionable.
• Minimum balance penalty on a converted account. If your salary account was converted to a regular savings account (because salary stopped coming in for 2–3 months), the bank may have levied MAB (Minimum Average Balance) penalties that wiped out the balance. Read how to claim a refund of salary-account MAB penalty.
• Cyber-fraud freeze with debit block. A 1930 cybercrime complaint may have caused a full debit freeze. The balance shows as zero or “frozen” because the cyber cell instructed the bank to block all debits. Call 1930, get the complaint reference, and read how to lift a cyber-fraud freeze.
• Dormant account reactivation pending. If the account was dormant (no transactions for 12+ months), the salary credit may have been received but the account is in a “credit-only” state until you submit a reactivation request at the branch. The balance is there but not accessible.
• Negative balance from earlier charges. If your account was already in a negative balance (from penalties, failed cheque charges, etc.), the salary credit may have been absorbed entirely to cover the negative balance.

What to do right now: Call the bank, ask “Why is my available balance zero despite a salary credit of ₹[amount] on [date]?” and demand the reason in writing. If it is a set-off you were not notified about, or a wrongful freeze, you have grounds for an Ombudsman complaint.

Different banks have different internal timelines for acknowledging and resolving salary-credit complaints. The table below shows typical response windows for major Indian banks. Note: Under the RBI Integrated Ombudsman Scheme 2021, if the bank does not resolve your complaint within 30 days of you filing it (with a docket number), you can escalate to the Ombudsman for free.

RBI's mandatory compensation: If the salary transfer failed (debited employer, never credited to you) and the bank did not auto-reverse it within the TAT window (T+1 for NEFT/UPI/IMPS), the bank owes you ₹100 per day of delay — automatically, without you asking. This is mandated by the RBI Harmonisation of TAT circular, 2019.

The RBI Integrated Ombudsman Scheme (RB-IOS), 2021 is your free, statutory escalation route when the bank fails to resolve your salary-credit complaint. Here is exactly how to use it:

• When you can file: Only after you have filed a written complaint with the bank and either (a) 30 days have passed without resolution, or (b) the bank rejected your complaint and you disagree.
• What you need: Your bank complaint docket number, the dates, the amount, the UTR, and any written communication from the bank. You do not need a lawyer.
• Where to file: Online at cms.rbi.org.in (the RBI Complaint Management System), or call toll-free 14448, or by post to the RBI Ombudsman office for your region.
• Cost: Completely free. The scheme is funded by the RBI, not by complainants.
• What the Ombudsman can do: Order the bank to credit the amount, pay compensation (including the ₹100/day TAT penalty if applicable), release a wrongful lien or freeze, and pay up to ₹1 lakh (or more in exceptional cases) for mental harassment and inconvenience.
• Timeline: The Ombudsman typically issues directions within 30 days of hearing. The bank must comply within the timeline the Ombudsman sets.

For the complete walkthrough, read the RBI Integrated Ombudsman Scheme walkthrough and the banking ombudsman complaint guide. If you want to understand how RTI can supplement your Ombudsman complaint (especially for public-sector banks), see banking and insurance RTI.

• The salary credit SMS or email
• The UTR or reference number from your employer
• Screenshots of ledger vs available balance, with the date and time visible
• Your bank complaint docket number
• Any lien or hold reference the bank gives you
• Your salary slip or payroll record for the month in question
• Written communication (emails, chat transcripts) with the bank and HR

• Trusting the SMS over the available balance. The SMS fires on the ledger credit, not on settlement.
• Phoning instead of writing. No docket number means no Ombudsman case later.
• Not asking for the UTR. Half of so-called bank delays are actually employers who have not transferred.
• Accepting “system issue, please wait” forever. Pin them to the TAT rule and a date.
• Ignoring a silent lien. A set-off for an old loan can quietly eat your salary. Challenge it in writing.
• Not checking whether the account was converted from salary to savings. If salary stopped for 2–3 months, the bank may have converted the account and started levying MAB penalties. See MAB penalty refund guide.
• Filing the Ombudsman complaint too early. You must wait until 30 days after your bank docket number, or the Ombudsman will reject it as premature.

Sometimes, but only for public-sector banks. SBI, PNB, Bank of Baroda and other nationalised banks are public authorities under the RTI Act, 2005, a position the Central Information Commission has upheld repeatedly. So you can file a Section 6(1) RTI asking for the dated record of when your salary credit was received and why it was held. Private banks such as HDFC, ICICI and Axis are not public authorities, so RTI does not reach them. You can, however, RTI the RBI, which is a public authority (see Reserve Bank of India v. Jayantilal N. Mistry, (2016) 3 SCC 525), about its failed-transaction and compensation framework. Draft a clean letter in minutes with the AI RTI Drafter or learn the fundamentals in how to write an effective RTI application.

• Open net-banking and compare available vs ledger balance, and screenshot both.
• Message HR or accounts for the UTR and transfer date and time.
• Call the bank and ask, in these words: “Is there a lien, hold or freeze, and under whose instruction?” Get it in writing.
• If a transfer failed, quote the RBI TAT rule and the ₹100-a-day compensation.
• File the complaint online and save the docket number.
• If your account shows zero balance, check for a set-off or dormant-account conversion — see set-off rules.

The SMS fires when the amount hits your ledger balance, but your available balance only updates after the credit settles or a hold is released. Compare both numbers in your app. If the ledger went up but available did not, the money is in the account but held or unsettled.

A pure settlement delay should clear within one working day. For a failed transfer, RBI's TAT framework requires auto-reversal in the prescribed window (T+1 for NEFT, UPI and IMPS), after which the bank owes ₹100 per day. A lien or freeze for a loan, cyber complaint or court order can last longer, but the bank must tell you the reason and authority when you ask in writing.

Ledger balance is the total on paper, including held or unsettled funds. Available balance is what you can actually spend or withdraw now. A gap between them means part of your money is on hold. Ask the bank to identify the hold and its authority.

Tell your employer at once and ask for the UTR; the bank can trace it. If it reached a wrong but valid account, recovery needs the other holder's consent or a bank-led dispute. If it was a failed or returned credit, the RBI auto-reversal applies. Read how to recover money sent to the wrong bank account.

Yes. If your account is flagged as a layer in a 1930 or NCRP complaint, banks can place a lien on the disputed sum. Call 1930, get the complaint reference, and submit proof such as your salary slip and the employer UTR to your bank's Nodal Officer to release a wrongful hold quickly. See the cyber-fraud freeze guide.

Get a written docket number, then escalate to the Nodal Officer and Principal Nodal Officer. If it is unresolved in 30 days, file free with the RBI Ombudsman at cms.rbi.org.in or 14448. “Technical issue” with no date and no docket is a stall, so pin them down in writing.

No. The RBI Integrated Ombudsman Scheme, 2021 is completely free. You need your bank complaint docket number, the relevant dates and proof of the issue. You can file online, by email or by post. Check your bank's reply against the rules with the PIO Reply Checker.

Banks can levy a monthly average balance penalty on a regular savings account, but a genuine salary account is usually exempt. If a penalty wrongly hit your salary account, read how to claim a refund of a salary-account MAB penalty and raise it in writing.

UPI draws from your available balance, not your ledger balance. If the salary is in the ledger but held, UPI will reject payments. Wait for the available balance to update. If the available balance is correct but UPI still fails, it may be a bank-side UPI switch issue or a daily limit cap — see UPI failure recovery and UPI transaction limits.

Yes, but only if the bank is a public-sector bank (SBI, PNB, Bank of Baroda, etc.) or a government department if you are a government employee. Private banks (HDFC, ICICI, Axis) are not public authorities. However, you can RTI the RBI about its regulatory framework. File at rtionline.gov.in and read banking and insurance RTI.

If your salary stopped coming into the account for 2–3 months, the bank may have reclassified it as a regular savings account and levied MAB (Minimum Average Balance) penalties. These are often refundable if you challenge them in writing. Read the MAB penalty refund guide for the exact procedure.

If the salary transfer failed and the bank did not auto-reverse it within the TAT window (T+1 for NEFT/UPI/IMPS), you are entitled to ₹100 per day of delay — automatically. If you escalate to the Ombudsman, you can also claim additional compensation for mental harassment and inconvenience, up to ₹1 lakh or more in exceptional cases. See the RBI TAT Harmonisation circular.

Banks have a right of set-off for overdue loans with the same bank, but they must give you reasonable notice and cannot leave you with zero means. If your entire salary was swept without notice, you have grounds to challenge it. Read can a bank deduct your entire salary for an EMI for the full legal position.

Possibly. SMS gateways can lag by hours. Check your app's transaction history directly — the credit may have posted even if the SMS did not arrive. If colleagues received their SMS but you did not, ask HR whether your payment was included in the payroll batch and verify the registered mobile number with your bank.

• Reserve Bank of India — official website, rules and circulars.
• RBI Harmonisation of Turn Around Time (TAT) and customer compensation for failed transactions, 2019 — the ₹100/day auto-compensation rule.
• RBI Complaint Management System — Integrated Ombudsman Scheme 2021 complaint portal, toll-free 14448.
• RBI Internal Ombudsman Scheme guidelines — mandatory docket numbers for bank complaints.
• DBT Bharat Portal — Direct Benefit Transfer tracking for government salary and subsidy payments.
• RTI Online Portal — file RTI applications for public-sector banks and government departments.
• National Cyber Crime Reporting Portal — helpline 1930 for cyber-fraud freezes.
• NPCI (National Payments Corporation of India) — UPI settlement and transaction-limit rules.
• Reserve Bank of India v. Jayantilal N. Mistry, (2016) 3 SCC 525 — RBI is a public authority under the RTI Act.
• RTI Act, 2005 — Section 6(1) for filing RTI with public-sector banks.

• Can a bank deduct your entire salary for an EMI?
• Why your salary is lower this month: hidden deductions explained
• How to remove a lien amount on your bank account
• Bank account frozen after a cyber-fraud complaint
• RBI Integrated Ombudsman Scheme walkthrough
• Banking ombudsman complaint guide
• Refund a salary-account minimum balance penalty
• Banking and insurance RTI guide
• UPI debited but not received: action plan
• UPI fraud and failed-payment recovery
• UPI transaction limits for 2025
• Suspicious transaction bank account hold
• Which regulator to complain to in India
• How to write an effective RTI application
• The RTI Playbook for the full citizen guide, drafting to second appeal.

Salary credited but balance not updated — complete guide on tracking and fixing the bank account issues:

1. Step 1: What does “salary credited but balance not updated” mean? (a) the salary — is credited — to the bank account — but the available balance — does not reflect — the credit, (b) this happens because: (i) the credit — is pending — or the processing — (the bank — has received the credit — but not posted — to the account), (ii) the hold — or the lien — on the account — (the bank — has put a hold — on the amount — for the KYC — or the loan — or the court order), (iii) the technical issue — (the core banking system — has not updated — the balance), (iv) the timing — (the credit — is after the cut-off — and the balance — is updated — the next day), © the issue — is common — in the salary accounts — and the savings accounts — and can cause — the cheque bounce — and the EMI bounce — and the financial stress.
2. Step 2: How to check if salary is credited but balance not updated. (a) check the bank statement: (i) check the mini statement — at the ATM — or the mobile banking — or the passbook, (ii) the credit — may be shown — in the statement — but the available balance — may be less, (b) check the SMS: (i) the bank — sends the SMS — for the credit — but the available balance — in the SMS — may be different — from the actual balance, © check the net banking: (i) the net banking — shows the ledger balance — and the available balance — separately, (ii) the ledger balance — includes the credit — but the available balance — may be less — due to the hold, (d) contact the bank: (i) visit the bank — or call the customer care — and ask — for the reason — of the difference — between the ledger — and the available balance.
3. Step 3: Common reasons and solutions. (a) the hold or lien: (i) the bank — puts a hold — on the account — for: (a) the KYC — pending — (the KYC — is not updated — and the account — is frozen — or the debit — is restricted), (b) the loan — default — (the EMI — is bounced — and the bank — puts the hold — on the salary credit), © the court order — (the attachment — by the court — or the income tax), (d) the minimum balance — (the penalty — is debited — and the balance — is less), (ii) the solution: (a) update the KYC — at the bank, (b) pay the EMI — and clear the hold, © check the court order — and the income tax attachment, (b) the technical issue: (i) the core banking system — has not updated — the balance — due to the technical glitch, (ii) the solution: (a) wait for 24 hours — for the auto-update, (b) contact the bank — and report the issue, © the timing: (i) the credit — is after the cut-off — (the cut-off — is usually 4 PM — and the credit — after 4 PM — is posted — the next day), (ii) the solution: (a) wait for the next day — for the balance update, (d) the DBT issue: (i) the salary — is credited — through the DBT — and the processing — takes time, (ii) the solution: (a) wait for the processing — and check the balance — after 24 hours.
4. Step 4: How to resolve the issue. (a) Step 1 — check the statement: check the bank statement — for the credit — and the balance — and identify — the difference, (b) Step 2 — check the hold: check — if there is a hold — or lien — on the account — and the reason, © Step 3 — update the KYC: if the KYC — is pending — update it — at the bank — and the account — is unfrozen, (d) Step 4 — contact the bank: visit the bank — or call the customer care — and report the issue — and ask for the resolution, (e) Step 5 — file a grievance: file a grievance — with the bank — on the grievance portal — and the reference number — is generated, (f) Step 6 — file RTI: if the bank — is the public sector bank — file RTI — with the bank — for the balance issue — and the hold reason, (g) Step 7 — approach the Banking Ombudsman: if the bank — does not resolve — within 30 days — approach the Banking Ombudsman — on the RBI portal — rbi.org.in — under the Integrated Ombudsman Scheme.
5. Step 5: File RTI on salary credited but balance not updated. File RTI with the bank (if the public sector bank) asking for: (a) the balance: “Provide the account balance — for the account number [number] — as on [date] — including: (i) the ledger balance, (ii) the available balance, (iii) the hold — if any — and the reason, (iv) the lien — if any — and the reason”, (b) the credit: “Provide the credit status — for the salary credit — on [date] — to the account [number] — including: (i) the credit — received — and the amount, (ii) the posting — done or not — and the date, (iii) the hold — on the credit — and the reason”, © the hold: “Provide the hold details — on the account [number] — including: (i) the hold amount, (ii) the hold reason, (iii) the hold date, (iv) the authority — who ordered the hold”, (d) the grievance: “Provide the grievance status — for the complaint — filed on [date] — reference number [number] — including: (i) the complaint details, (ii) the action taken, (iii) the resolution”.
6. Step 6: The bank and the RBI as public authorities. (a) the public sector banks — (SBI, PNB, Bank of Baroda, etc.) — are public authorities — under the RTI Act — and the CPIO — is at the bank — headquarters — and the branch, (b) the private banks — and the foreign banks — are NOT public authorities — under the RTI Act — and the RTI — cannot be filed — directly — but the RBI — can be filed — for the regulatory action, © the RBI — is a public authority — and the RTI — can be filed — with the RBI — for the banking issues — and the Banking Ombudsman, (d) the RTI application — can be filed: (i) online — on the bank's website — or the Department of Posts portal, (ii) by post — to the CPIO — of the bank, (iii) the application fee — is Rs 10 — by the IPO — or the online payment.
7. Step 7: Practical tips. (a) check the statement (check the bank statement — and the available balance — regularly — to identify the issue — early), (b) update the KYC (update the KYC — at the bank — regularly — to avoid the account freeze — and the hold), © contact the bank (contact the bank — immediately — if the balance — is not updated — and ask for the reason), (d) file a grievance (file a grievance — with the bank — and keep the reference number — for the follow-up), (e) approach the Ombudsman (if the bank — does not resolve — within 30 days — approach the Banking Ombudsman — on the RBI portal), (f) file RTI (if the bank — is the public sector bank — file RTI — for the balance issue — and the hold reason), (g) Example: An employee — received the salary credit SMS — but the available balance — was not updated — he checked the statement — and found — that the ledger balance — was updated — but the available balance — was less — he visited the bank — and was told — that the KYC — was pending — and the account — was frozen — he updated the KYC — and the account — was unfrozen — and the balance — was updated — within 24 hours.

See Salary Balance Issue and TDS Refund Status.