Reserve Bank Integrated Ombudsman Scheme, 2026 RBI Ombudsman
A free RBI route to complain about a bank, NBFC or other RBI regulated entity when it has not resolved your complaint within 30 days.
Last updated on
- Status
- Open
- Run by
- Reserve Bank of India
What you get
- Free. There is no fee to file or resolve a complaint
- No lawyer needed
- No limit on the amount in dispute
- The Ombudsman can award up to ₹30 lakh for consequential loss and up to ₹3 lakh for loss of time, expenses, harassment and mental anguish
- Covers commercial banks, regional rural banks, state and district co-operative banks, certain urban co-operative banks, certain NBFCs, non-bank prepaid instrument issuers and credit information companies
- You can appeal an award within 30 days, with up to 30 more days allowed for good reason
Who can apply
- You must first complain to the bank or lender
- You can go to the Ombudsman if there is no reply within 30 days or you are not satisfied with the reply
- File within 90 days after that 30 days ends or after the lender's last reply, whichever is later
- Not for matters already before a court or other forum, commercial decisions of the lender, or disputes between a vendor and the lender
How to apply
- Complain to the bank or lender first and keep the complaint number
- Wait 30 days for a reply
- File online at cms.rbi.org.in, by email to crpc@rbi.org.in or by post to the Centralised Receipt and Processing Centre in Chandigarh
- Call the RBI contact centre on 14448 for guidance or to check status. It cannot take complaints. Agents answer 8 am to 10 pm, Monday to Saturday
In person, email crpc@rbi.org.in, or post to the Centralised Receipt and Processing Centre of the Reserve Bank of India in Chandigarh
In Kerala, File online from anywhere in Kerala. Complaints are received centrally, not at a local office.
Where we found this
An independent guide by The Company of Four, not a government website. Schemes change often, so check every detail on the official website before you apply. Links marked ↗ open external websites that we do not run, and we are not responsible for their content. Seen something out of date? Tell us and we will look into it.