no way to compare when less than two revisions

Differences

This shows you the differences between two versions of the page.

@@ Line 1: / Line 1: @@
+{{htmlmetatags>
+metatag-keywords=(atm cash not dispensed, atm transaction failed, atm dispute, atm refund, atm rti)
+metatag-description=(ATM debited but no cash. Bank must refund within T+5 working days under RBI guidelines. RTI to bank if delayed. * Auto-credit within T+5 working days (RBI mandate).)
+}}
+====== ATM cash not dispensed but debited — RTI guide (2026) ======
+{{:social:auto:banking-atm-cash-not-dispensed.png?direct&1200 |ATM cash not dispensed but debited — RTI guide (2026) — RTI Wiki}}
+<WRAP info>
+**Quick answer:** Under RBI Master Direction on EBT, banks must auto-credit failed ATM transactions within T+5 working days. Beyond that: Rs 100/day compensation. RTI to bank if not auto-credited.
+</WRAP>
+===== Key facts =====
+  * 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
+===== Step-by-step process =====
+  - **Note exact issue immediately** — Date, time, amount, ATM ID, your card last 4 digits.
+  - **File complaint at home branch** — Within 30 days of incident.
+  - **Get complaint reference no.** — Bank must acknowledge.
+  - **Wait T+5 working days** — Standard recovery window.
+  - **After T+5 — escalate to Banking Ombudsman** — OR file RTI to bank for grievance status.
+  - **RTI to bank for Issue ID + scrutiny report** — Detailed status of your case.
+===== Documents needed =====
+  * Bank passbook / account no.
+  * ATM card photocopy
+  * Transaction slip (if any)
+  * SMS / email confirmation of debit
+===== Common issues + how to handle =====
+  * 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.
+===== If stuck — file an RTI =====
+Most "delays" or "rejections" clear within 7-15 days of an RTI being filed. Use this 5-question template:
+<code>
+. Status of my application no. _____ dated _____ as on date.
+. Name + designation of dealing officer assigned to my file.
+. Reasons for delay beyond the statutory timeline.
+. Copy of any noting / movement of my file in the past 30 days.
+. Likely date of resolution / decision.
+</code>
+**Auto-fill the PIO + your case:** [[:citizen-rti-playbook|Open the AI RTI Drafter →]]
+===== Frequently asked questions =====
+==== Auto-refund time? ====
+T+5 working days. Bank automatically credits.
+==== Compensation rate? ====
+Rs 100/day after T+5 (RBI Master Direction). Auto-credit + interest.
+==== What if multiple banks involved? ====
+Issuing bank responsible for refund; coordinates with acquirer.
+==== Banking Ombudsman vs RTI? ====
+Both — Ombudsman for redress; RTI for documentation. Use both.
+===== Summary + next step =====
+<WRAP center round tip 90%>
+**Bottom line:** Under RBI Master Direction on EBT, banks must auto-credit failed ATM transactions within T+5 working days. Beyond that: Rs 100/day compensation. RTI to bank if not auto-credited. If delayed beyond statutory timeline, file an RTI — most cases clear within 15 days.
+  * **AI RTI Drafter:** [[:citizen-rti-playbook|Auto-fill PIO + your case]]
+  * **More guidance:** [[:audience:unorganised-workers|Schemes for unorganised workers]]
+  * **Browse all banking guides:** [[:banking:start|Index]]
+</WRAP>
+===== Related =====
+  * [[:banking:start|All banking guides]]
+  * [[:check-status:start|25 status-check guides]]
+  * [[:how-to-apply:start|25 how-to-apply guides]]
+  * [[:rejection-recovery:start|16 rejection-recovery guides]]
+  * [[:helplines:start|32 helplines + grievance routes]]
+  * [[:citizen-rti-playbook|Full RTI Playbook]]
+//Last reviewed: 26 April 2026.//
+{{tag>banking atm-cash-not-dispensed citizen-services rti-fallback}}