• Auto-credit within T+5 working days (RBI mandate)
• Compensation Rs 100/day after T+5
• Issue ID required for tracking
• RTI to bank if no resolution in 30 days
• Banking Ombudsman if RTI doesn't work

1. Note exact issue immediately — Date, time, amount, ATM ID, your card last 4 digits.
2. File complaint at home branch — Within 30 days of incident.
3. Get complaint reference no. — Bank must acknowledge.
4. Wait T+5 working days — Standard recovery window.
5. After T+5 — escalate to Banking Ombudsman — OR file RTI to bank for grievance status.
6. RTI to bank for Issue ID + scrutiny report — Detailed status of your case.

• Bank passbook / account no.
• ATM card photocopy
• Transaction slip (if any)
• SMS / email confirmation of debit

• Bank denies ATM transaction — RTI for ATM logs + CCTV footage.
• Refund delayed > T+5 — file Banking Ombudsman complaint + RTI.
• Compensation Rs 100/day denied — RTI to bank for compensation calculation.
• Multiple ATM disputes — pattern; RTI for institutional response time.

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 →

T+5 working days. Bank automatically credits.

Rs 100/day after T+5 (RBI Master Direction). Auto-credit + interest.

Issuing bank responsible for refund; coordinates with acquirer.

Both — Ombudsman for redress; RTI for documentation. Use both.

• 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.