Banking Ombudsman : How to Approaching? - MYREALITY.In, Real Estate, Share Market, Mutual Fund, Insurance
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Wednesday, March 21, 2018

Banking Ombudsman : How to Approaching?

Whenever you have a grievance against your bank, the bank itself can act as the first point of redressal.

Each and every bank has a box wherein you can drop your complaints &  suggestions. If you feel that it may not get picked up from the box in time or if the grievance is unattended to, you can approach the bank branch manager.

A notice mentioning the name, address, email and telephone numbers of the officials of the bank to whom complaints can be addressed has to be displayed prominently by banks in the branches. So, you can file your complaint with the concerned official as well.

Acknowledged Copy..!.

While a complaint can be filed even on plain paper, some banks may provide a ‘complaint form' either in paper /in electronic form. Once you fill it up, the bank will give you an acknowledged copy of the complaint.

Any such complaint made to the bank must be resolved within 30 days. If you find that the bank has not redressed your grievance even after a 30 day you can approach the Banking Ombudsman.

Alongside the names of the bank officials, details relating to the Banking Ombudsman are also expected to be displayed by banks. You may find these details in the bank's Web site too.

You can approach the Banking Ombudsman  even if you have received a response from the bank but are not satisfied with it.

 Banks are mandated to indicate the fact that you can approach the Banking Ombudsman in the final letter sent to you regarding redressal of the compliant. The details of the concerned Banking Ombudsman  would be included in this letter as well.

Authorised Representative..!

You can file a complaint either on your own or through your authorised representative with the BO under whose jurisdiction the branch/office complained against falls. For complaints relating to credit cards, the complaint should be filed with the Banking Ombudsman under whose jurisdiction the billing address of the customer is located. Either way, the bank should be able to direct you to the right Banking Ombudsman.

There is also a listing of the addresses & area of operation of the different Banking Ombudsman's in the Reserve Bank of India (RBI) Web site along with hyperlinks to mail your complaints to them. You can either click on these links & email the Banking Ombudsman directly or fill up the online complaint form in the RBI Web site. A written complaint can also be filed. A printed form is available for the same. Note that there is no fee / charge for filing.

The complaints, along with supporting documents should be filed within one year (365 days) of receiving the response from the bank. In cases where no response is received, it should be filed within 13 months of representation to the bank.

Maximum Compensation..!

According to RBI, the maximum compensation would be “limited to the amount arising directly out of the act or omission by the bank or Rs. 10 lakh whichever is lower”.

In the case of  credit cards, the Banking Ombudsman may also award compensation (not exceeding Rs. 1 lakh) for mental agony and harassment.

Address and Area of Operation of Banking Ombudsman
Address of the Office of
Banking Ombudsman
                      Area of Operation                      
Shri. Rajesh Kumar
C/o Reserve Bank of India
La Gajjar Chambers,
Ashram Road,
Ahmedabad-380 009

26586718 / 2657 5807
Fax No.079-26583325
Gujarat, Union Territories of Dadra and
Nagar Haveli, Daman and Diu
Shri. M. Palanisamy
C/o Reserve Bank of India
10/3/8, Nrupathunga Road
Bangalore-560 001

Fax No.080-22244047
Shri T. Karunakaran
C/o Reserve Bank of India
Hoshangabad Road,
Post Box No.32,
Bhopal-462 011

Fax No.0755-2573779
Madhya Pradesh and Chattisgarh
Shri B K Bhoi
C/o Reserve Bank of India
Pt. Jawaharlal Nehru Marg
Bhubaneswar-751 001

Fax No.0674-2393906
Shri Jaimal Tashi
C/o Reserve Bank of India
4th Floor, Sector 17, Central Vista
Chandigarh – 160 017

Tel.No.0172-272 1109/2721011/2784261
Fax No.0172-2721880
Himachal Pradesh, Punjab and
Union Territory of Chandigarh and Panchkula,
Yamuna Nagar and Ambala Districts of Haryana.
Shri S. Ganesh
C/o Reserve Bank of India,
Fort Glacis,
Chennai 600 001

Tel No. (044) 2539 9170 / 25395964
Fax No.044-25395488
Tamil Nadu, Union Territories of Puducherry(except Mahe Region) and Andaman and Nicobar Islands
Shri B.B.Sangma
C/o Reserve Bank of India
Station Road,
Pan Bazar
Guwahati-781 001

Fax No.0361-2540445
Assam, Arunachal Pradesh, Manipur,
Meghalaya, Mizoram, Nagaland and Tripura
Shri M. Sebastian
C/o Reserve Bank of India
6-1-56, Secretariat Road
Hyderabad-500 004

Fax No.040-23210014
Andhra Pradesh
Shri N.P.Topno
C/o Reserve Bank of India,
4th floor
Rambagh Circle, Tonk Road
Jaipur-302 052
Fax No.0141-2562220
Smt . Madhavi Sharma
C/o Reserve Bank of India
M.G. Road, Post Box No.82
Kanpur-208 001

Tel.No.(0512) 2306278/2306330
Fax No.0512-2305938
Uttar Pradesh (excluding Districts of Ghaziabad and Gautam Budh Nagar)
and Uttaranchal
Shri M S Soy
C/o Reserve Bank of India
15, Nethaji Subhas Road
Kolkata-700 001

Tel No.(O) : (033)2230-4982
Fax No.033-22305899
West Bengal and Sikkim
Smt. R Sebastian
C/o Reserve Bank of India
Garment House,
3rd Floor,
Dr. Annie Besant Road,
Worli, Mumbai-400 018

2493 3358
Fax No.022-24960912
Maharashtra and Goa
New Delhi
Shri M Rajeshwara Rao
C/o Reserve Bank of India,
Sansad marg,
New Delhi - 110001

Tel No. (011)  23730632/23730633
Fax No. 011- 23725218/23725219
Delhi, Jammu & Kashmir, Haryana (except the districts of Ambala , Yamuna Nagar and Panchkula), and the districts of Ghaziabad and Gautam Budh Nagar of Uttar Pradesh
Shri Shrimohan Yadav
C/o Reserve Bank of India,
Patna-800 001

Fax No.0612-2320407
Bihar and Jharkhand
Shri F R Joseph
C/o Reserve Bank of India
Bakery Junction

Tel.No.0471-2326852 /2332723/2323959
Fax No.0471-2321625
Kerala and Union Territory of Lakshadweep and Union Territory of Puducherry (only Mahe Region).
Oct 18, 2014
Banking Ombudsman : How to Approaching? Reviewed by S. Chitra on March 21, 2018 Rating: 5 Whenever you have a grievance against your bank, the bank itself can act as the first point of redressal. Each and every bank has a box...

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