Right to Information Wiki

Banking Ombudsman complaint — 2026 guide

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:36 +0000

2026/05/03 15:49	current
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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 }}
	+
	+	<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>
	+	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.
	+	</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? ====
	+	1 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}}

RBI complaint — when bank ombudsman fails (2026)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:36 +0000

2026/05/03 15:49	current
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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. * RBIOS covers banks + NBFCs + digital wallets.)
	+	}}

	+	====== 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>
	+	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.
	+	</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? ====
	+	1 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}}

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

anonymous@undisclosed.example.com (Anonymous) — Sun, 26 Apr 2026 01:52:12 +0000

2026/05/03 15:49	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(banking grievance, atm dispute, banking ombudsman, rbi complaint, banking rti)
	+	metatag-description=(6 banking guides for citizens. With RTI escalation route.)
	+	}}

	+	====== Banking Grievance + RTI Guides — ATM, loan rejection, ombudsman, RBIOS ======
	+
	+	<WRAP info>
	+	6 banking guides — each with direct answer + step-by-step process + RTI escalation template if you get stuck.
	+	</WRAP>
	+
	+	===== Index =====
	+
	+	* [[:banking:atm-cash-not-dispensed\|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: ...
	+	* [[:banking:bank-loan-rejection\|Bank loan rejection]] — Bank must give written rejection reason under RBI Master Direction on Customer Service. Generic reasons (e.g., "credit p...
	+	* [[:banking:credit-card-dispute\|Credit card dispute]] — Credit card disputes: file within 60 days. Bank investigates + files chargeback if applicable. RTI to bank for transacti...
	+	* [[:banking:banking-ombudsman\|Banking Ombudsman complaint]] — Banking Ombudsman is RBI-appointed adjudicator for bank service deficiencies. Free, online (cms.rbi.org.in), 30-90 day r...
	+	* [[:banking:rbi-complaint\|RBI complaint]] — Reserve Bank Integrated Ombudsman Scheme (RBIOS) replaced separate BO/NBFC/Digital schemes in 2021. Single portal at cms...
	+	* [[:banking:kyc-issues\|Bank KYC issues]] — KYC required: at account opening + periodic update (every 2-10 years based on risk). Non-update = account frozen. Re-KYC...
	+
	+	===== Stuck? File an RTI =====
	+	Every page above ends with an RTI escalation template — most stuck cases clear within 15 days of an RTI being filed.
	+
	+	* AI RTI Drafter: [[https://righttoinformation.wiki/tools/ai-rti-draft-app.html\|Auto-fill PIO + Act sections]]
	+	* Helplines + grievance: [[:helplines:start\|32 helplines]]
	+	* Browse all yojanas: [[:yojana:start\|Sarkari Yojana index]]
	+	* Audience hubs: [[:audience:start\|10 audience-hub guides]]
	+
	+	//Last reviewed: 26 April 2026.//
	+
	+	{{tag>banking landing-page}}

ATM cash not dispensed but debited — RTI guide (2026)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:36 +0000

2026/05/03 15:49	current
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	+	{{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 }}
	+
	+	<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>
	+	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.
	+	</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}}

Bank loan rejection — reasons + RTI route (2026)

anonymous@undisclosed.example.com (Anonymous) — Sun, 03 May 2026 08:28:36 +0000

2026/05/03 15:49	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(bank loan rejection, loan denied, loan rejection reasons, bank loan rti)
	+	metatag-description=(Bank loan rejected without specific reason. RTI to bank for rejection rationale + comparison data. * Rejection reason mandatory in writing (RBI) * Common reasons:.)
	+	}}

	+	====== Bank loan rejection — reasons + RTI route (2026) ======
	+
	+	{{ :social:auto:banking-bank-loan-rejection.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: Bank must give written rejection reason under RBI Master Direction on Customer Service. Generic reasons (e.g., "credit policy") are insufficient. RTI to bank for specific rejection grounds.
	+	</WRAP>
	+
	+	===== Key facts =====
	+	* Rejection reason mandatory in writing (RBI)
	+	* Common reasons: low CIBIL, income mismatch, profile risk
	+	* RTI to bank PSU under §6(1)
	+	* Private banks NOT under RTI but subject to BO grievance
	+	* Banking Ombudsman handles loan rejection complaints
	+
	+	===== Step-by-step process =====
	+	- Get written rejection from bank — In 30 days of decision.
	+	- Check rejection grounds — Specific reasons required (not generic).
	+	- Get CIBIL report — Free annual report from CIBIL/Equifax/Experian/CRIF.
	+	- File RTI to PSU bank for grievance — For rejection rationale + similar applicant approvals.
	+	- Banking Ombudsman complaint — If bank doesn't respond.
	+	- Try multiple banks — Different lenders have different criteria.
	+
	+	===== Documents needed =====
	+	* Loan application no.
	+	* Bank statement (12 months)
	+	* CIBIL report
	+	* Income proof
	+
	+	===== Common issues + how to handle =====
	+	* Generic rejection reason — file RTI for specific grounds + CIBIL score used.
	+	* CIBIL score updated — request bank to re-pull + re-evaluate.
	+	* Income mismatch — provide updated salary slips + IT returns.
	+	* Multiple rejections same reason — file pattern complaint to BO.
	+
	+	===== 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>
	+	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.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the AI RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Can RBI mandate banks to lend? ====
	+	No — RBI sets prudential norms. Lending is bank discretion.
	+
	+	==== CIBIL score below 750 — auto-reject? ====
	+	Most banks. Some accept 700+ with higher interest.
	+
	+	==== Co-applicant possibility? ====
	+	Yes — improve loan-to-income + share guarantee.
	+
	+	==== Loan via SLBC? ====
	+	For priority sector loans, State Level Bankers Committee can intervene if bank denies.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Bank must give written rejection reason under RBI Master Direction on Customer Service. Generic reasons (e.g., "credit policy") are insufficient. RTI to bank for specific rejection grounds. 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 bank-loan-rejection citizen-services rti-fallback}}

Credit card dispute — chargeback + RTI guide (2026)

anonymous@undisclosed.example.com (Anonymous) — Sun, 26 Apr 2026 01:52:12 +0000

2026/05/03 15:49	current
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	+	{{htmlmetatags>
	+	metatag-keywords=(credit card dispute, chargeback, credit card complaint, credit card rti)
	+	metatag-description=(Credit card dispute (unauthorised charge, billing error, fraud). Chargeback within 60 days. RTI to bank for transaction proof.)
	+	}}

	+	====== Credit card dispute — chargeback + RTI guide (2026) ======
	+
	+	{{ :social:auto:banking-credit-card-dispute.png?direct&1200 }}
	+
	+	<WRAP info>
	+	Quick answer: Credit card disputes: file within 60 days. Bank investigates + files chargeback if applicable. RTI to bank for transaction proof + investigation rationale.
	+	</WRAP>
	+
	+	===== Key facts =====
	+	* Dispute window: 60 days from statement date
	+	* Bank investigates + files chargeback
	+	* Chargeback decision: 30-90 days
	+	* Compensation if dispute upheld
	+	* RTI to bank for transaction logs + investigation
	+
	+	===== Step-by-step process =====
	+	- Notify bank within 24 hours of fraud — Block card immediately.
	+	- File written dispute — With bank within 60 days.
	+	- Bank investigates + responds — Within 30 days.
	+	- Chargeback raised if applicable — Network resolves with merchant.
	+	- Final decision — Within 90 days typically.
	+	- RTI to bank for full transaction trail — When channels exhausted.
	+
	+	===== Documents needed =====
	+	* Card statement showing dispute
	+	* Police FIR (for fraud)
	+	* Communication with merchant
	+
	+	===== Common issues + how to handle =====
	+	* Bank denies chargeback — RTI for investigation rationale + merchant response.
	+	* Chargeback delayed > 90 days — file Banking Ombudsman.
	+	* Fraud not auto-blocked — RTI for bank fraud-detection criteria.
	+	* Compensation denied — RTI for bank fraud-protection policy.
	+
	+	===== 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>
	+	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.
	+	</code>
	+
	+	Auto-fill the PIO + your case: [[:citizen-rti-playbook\|Open the AI RTI Drafter →]]
	+
	+	===== Frequently asked questions =====
	+	==== Liability for unauthorised use? ====
	+	Card holder liable until reported. After reporting: bank liable.
	+
	+	==== Chargeback timeline? ====
	+	30 days for response; 90 days for chargeback decision.
	+
	+	==== Banking Ombudsman complaint? ====
	+	After bank fails to respond in 30 days.
	+
	+	==== RTI to private bank? ====
	+	No — private banks not under RTI. Use BO + court if needed.
	+
	+	===== Summary + next step =====
	+
	+	<WRAP center round tip 90%>
	+	Bottom line: Credit card disputes: file within 60 days. Bank investigates + files chargeback if applicable. RTI to bank for transaction proof + investigation rationale. 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 credit-card-dispute citizen-services rti-fallback}}