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Banking Grievance + RTI Guides — ATM, loan rejection, ombudsman, RBIOS

6 banking guides — each with direct answer + step-by-step process + RTI escalation template if you get stuck.

Index

ATM cash not dispensed but debited — Under RBI Master Direction on EBT, banks must auto-credit failed ATM transactions within T+5 working days. Beyond that: …
Bank loan rejection — Bank must give written rejection reason under RBI Master Direction on Customer Service. Generic reasons (e.g., “credit p…
Credit card dispute — Credit card disputes: file within 60 days. Bank investigates + files chargeback if applicable. RTI to bank for transacti…
Banking Ombudsman complaint — Banking Ombudsman is RBI-appointed adjudicator for bank service deficiencies. Free, online (cms.rbi.org.in), 30-90 day r…
RBI complaint — Reserve Bank Integrated Ombudsman Scheme (RBIOS) replaced separate BO/NBFC/Digital schemes in 2021. Single portal at cms…
Bank KYC issues — KYC required: at account opening + periodic update (every 2-10 years based on risk). Non-update = account frozen. Re-KYC…

Every page above ends with an RTI escalation template — most stuck cases clear within 15 days of an RTI being filed.

Last reviewed: 26 April 2026.

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