1. By Approaching the Bank

• Make a phone call to your bank branch and try to get a resolution to your grievance

• Physically visit the bank branch to find a solution

• Write down your grievance and give it to the bank manager for a resolution

• Wait for 3-5 days for resolution

• Revisit the bank and enquire about the progress of the complaint

• Wait for 3-5 days

• If the complaint is not resolved, or, you are dissatisfied with the resolution, file a complaint with the RBI

2. By Approaching the RBI Ombudsman

• If the bank does not provide a solution to your issue, or, if you are unhappy with the resolution, you can file a complaint with the RBI.

• Your complaint is addressed to the RBI Ombudsman.

• For further details on how to complain to the RBI, go here (link to be added)

3. By Using the Integrated Ombudsman Scheme

• As per the One Nation One Ombudsman character of the scheme, you don’t have to identify the grounds, jurisdiction, department and authority before filing your complaint.

• The portal automatically assigns “Deficiency of Service” as the ground for the complaint.

• Your complaint cannot be rejected easily as no Ombudsman can now say it is outside their jurisdiction.