Banking and finance guides

Reviewed on: 2026-06-12.

This category is about borrowing and investing. It covers loans and EMIs, credit reports and credit scores, and investment holdings such as shares and broker accounts. If your problem is with the bank account itself, see banking and money. If a payment failed or was wrongly debited, see banking, UPI and payment failures.

Three regulators matter here. For loans, BNPL dues and lender conduct, the route runs from the lender's grievance cell to the RBI Integrated Ombudsman at cms.rbi.org.in. For wrong entries on your credit report, you raise a dispute with the credit bureau, and the bureau and the lender usually get 30 days to respond. For broker ledgers, demat holdings and corporate actions like bonus shares, the route is the broker, then the exchange, then SEBI SCORES.

One warning applies across this category. Private banks, NBFCs, fintech lenders and brokers are not public authorities, so you cannot file RTI against them directly. You can still use RTI with RBI and SEBI for the action taken on your complaint. The guides below cover both routes where they apply.

• BNPL account showing unknown dues and hurting your credit report
• Car loan NOC lost after closure: getting a duplicate
• Bank auction notice on a secured loan: what the borrower can do
• FD lien not released after loan or guarantee closure
• Broker ledger does not match your records
• Bonus shares not reflected in your demat account

Browse all practical guides for problems outside this category.