Facing issues with your bank, NBFC, or digital wallet? Don’t worry – the Reserve Bank of India (RBI) has your back. With the Integrated Ombudsman Scheme, you no longer need to feel helpless when financial institutions don’t respond fairly or timely to your complaints.
At Dhan Shiksha, we believe financial awareness is your right. Here’s everything you need to know to take action and get your issues resolved the right way.
🔍 What is the RBI Integrated Ombudsman Scheme?
Launched in November 2021, this scheme unifies various RBI grievance redressal mechanisms into one simple and powerful platform. It covers:
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Banks
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NBFCs
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Payment system operators (like UPI, wallets, etc.)
So whether your problem is with a delayed refund, a failed UPI transfer, or an unfair loan charge, the RBI is ready to help.
✅ Step-by-Step Guide to File a Complaint
Step 1: First, Complain to the Bank or Financial Institution
As per RBI rules, you must first:
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Register a complaint with the concerned financial institution.
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Wait 30 days for a resolution.
If they don't resolve your issue or you’re not satisfied with the response, you can approach the RBI Ombudsman.
Step 2: File a Complaint with RBI
You can lodge your complaint in three easy ways:
🔹 1. Online (Recommended)
Visit: https://cms.rbi.org.in
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Click “File a Complaint”
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Fill in your details and upload supporting documents
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Submit and note your reference number
🔹 2. By Email
Send your complaint with full details to: crpc@rbi.org.in
🔹 3. By Post
Write to:
Centralized Receipt and Processing Centre (CRPC)
Reserve Bank of India,
4th Floor, Sector 17, Chandigarh – 160017
Step 3: Follow-Up and Resolution
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RBI reviews your complaint and may contact you for clarification.
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If needed, they facilitate a settlement or mediation.
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Most complaints are resolved within 90 days.
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If the complaint is found valid, you may receive compensation or correction of the issue.
📝 What Kind of Complaints Can You File?
Here are common issues covered:
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Failed or delayed transactions
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Unauthorized debit/credit
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Excessive or unfair charges
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Misbehavior by bank staff or recovery agents
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Non-response to complaints
🚫 What Is Not Covered?
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Disputes already in court or tribunal
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Anonymous complaints
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HR issues between banks and employees
💡 Dhan Shiksha Tips
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Always keep a written record of emails, messages, and transactions.
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Make your complaint clear and factual, not emotional.
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Attach proof wherever possible (screenshots, statements, etc.)
Final Thoughts
Financial justice shouldn’t be complicated. Thanks to the RBI Integrated Ombudsman Scheme, every Indian has a reliable way to resolve grievances and hold institutions accountable.
At Dhan Shiksha, we empower you with the tools and knowledge to protect your wealth. Don’t hesitate to stand up for your financial rights!
🔔 Have a financial grievance? Try the Ombudsman portal today: https://cms.rbi.org.in
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