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+{{htmlmetatags>
+metatag-keywords=(banking ombudsman, bo complaint, rbi ombudsman, banking ombudsman online)
+metatag-description=(Banking Ombudsman: free, time-bound complaint resolution. Online complaint at cms.rbi.org.in. * BO covers all scheduled commercial banks (PSU + private) * Free; no.)
+}}
+====== Banking Ombudsman complaint — 2026 guide ======
+{{:social:auto:banking-banking-ombudsman.png?direct&1200 |Banking Ombudsman complaint — 2026 guide — RTI Wiki}}
+<WRAP info>
+**Quick answer:** Banking Ombudsman is RBI-appointed adjudicator for bank service deficiencies. Free, online (cms.rbi.org.in), 30-90 day resolution. RTI to bank in parallel.
+</WRAP>
+===== Key facts =====
+  * BO covers all scheduled commercial banks (PSU + private)
+  * Free; no fee at any stage
+  * Online via cms.rbi.org.in
+  * 30-90 day resolution typically
+  * Compensation up to Rs 30 lakh + Rs 1 lakh for mental harassment
+===== Step-by-step process =====
+  - **File complaint at cms.rbi.org.in** — Need bank complaint refused first.
+  - **Submit grievance + bank refusal proof** — Within 1 year of bank refusal.
+  - **BO acknowledges** — 7 days.
+  - **BO calls hearing** — Conciliation OR adjudication.
+  - **Decision in 30-90 days** — Mandatory for bank.
+  - **Compensation + service direction** — Per BO order.
+===== Documents needed =====
+  * Bank complaint reference + bank reply
+  * Identity proof
+  * Account details
+===== Common issues + how to handle =====
+  * BO acknowledges but no movement — RTI to BO secretariat for case allocation.
+  * BO decides against you — appeal to Appellate Authority RBI within 30 days.
+  * Bank not implementing BO decision — file contempt petition or RTI for compliance.
+  * Compensation denied — challenge under §16 of BO scheme.
+===== 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 =====
+==== Free? ====
+Yes — fully free. RBI funds the secretariat.
+==== Time limit? ====
+year from bank's final reply (or 6 months from no reply).
+==== Compensation cap? ====
+Rs 30 lakh financial harm + Rs 1 lakh mental agony (max).
+==== Appeal possible? ====
+Yes — to Appellate Authority RBI within 30 days.
+===== Summary + next step =====
+<WRAP center round tip 90%>
+**Bottom line:** Banking Ombudsman is RBI-appointed adjudicator for bank service deficiencies. Free, online (cms.rbi.org.in), 30-90 day resolution. RTI to bank in parallel. 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:msme-entrepreneurs|Schemes for msme entrepreneurs]]
+  * **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 banking-ombudsman citizen-services rti-fallback}}