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+{{htmlmetatags>
+metatag-keywords=(rbi complaint, rbi grievance, rbi cms portal, rbi ombudsman appeal)
+metatag-description=(RBI complaint via Reserve Bank Integrated Ombudsman Scheme (RBIOS) at cms.rbi.org.in. For when bank doesn't resolve.)
+}}
+====== RBI complaint — when bank ombudsman fails (2026) ======
+{{ :social:auto:banking-rbi-complaint.png?direct&1200 }}
+<WRAP info>
+**Quick answer:** Reserve Bank Integrated Ombudsman Scheme (RBIOS) replaced separate BO/NBFC/Digital schemes in 2021. Single portal at cms.rbi.org.in. Free, online, 30-90 days.
+</WRAP>
+===== Key facts =====
+  * RBIOS covers banks + NBFCs + digital wallets + payment systems
+  * Single portal cms.rbi.org.in
+  * Free + online + multilingual
+  * 30-90 day resolution
+  * Compensation up to Rs 30L + Rs 1L mental harm
+===== Step-by-step process =====
+  - **Login at cms.rbi.org.in** — OTP-based registration.
+  - **File grievance** — Specific category from drop-down.
+  - **Upload bank rejection / proof** — Mandatory.
+  - **RBIOS allocates case** — Within 7 days.
+  - **Conciliation / adjudication** — Hearing online or in-person.
+  - **Decision** — 30-90 days; mandatory for bank.
+===== Documents needed =====
+  * Bank reply / rejection proof
+  * Identity proof
+  * Account details + dispute
+===== Common issues + how to handle =====
+  * RBIOS rejects "non-jurisdiction" — RTI for jurisdiction matrix.
+  * No movement > 30 days — RTI to RBIOS secretariat.
+  * Decision against — appeal to Appellate Authority RBI.
+  * Bank not implementing — file contempt OR RTI for compliance status.
+===== 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 =====
+==== Difference between RBIOS and BO? ====
+RBIOS is the unified scheme since 2021. Old BO has same powers; RBIOS broader (NBFCs + digital).
+==== Time limit to file? ====
+year from bank/NBFC final reply.
+==== Compensation cap? ====
+Rs 30 lakh + Rs 1 lakh mental agony.
+==== Free? ====
+Yes — RBI funds.
+===== Summary + next step =====
+<WRAP center round tip 90%>
+**Bottom line:** Reserve Bank Integrated Ombudsman Scheme (RBIOS) replaced separate BO/NBFC/Digital schemes in 2021. Single portal at cms.rbi.org.in. Free, online, 30-90 days. 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 rbi-complaint citizen-services rti-fallback}}

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