SERVICES OF BANKING OMBUDSMAN SCHEME AND OPERATIONAL AREAS and Details addres of ombudsman in your area

 The Banking Ombudsman Scheme is being applied to the businesses running all banks in India. All Scheduled Commercial Banks, Regional Rural Banks and Scheduled Primary Co-operative Banks are covered under the Banking Ombudsman Scheme. The Banking Ombudsman is an official appointed by the Reserve Bank of India (RBI) to resolve customer complaints against banking services from the customers of Banking Institution. This Scheme is introduced with the object of enabling resolution of complaints relating to certain services rendered by banks and to facilitate the satisfaction or settlement of such complaints.

Customer can file a complaint before the Banking Ombudsman if the reply is not received from the bank within a period of one month after the bank concerned has received complaint from the customer, or the bank rejects the complaint, or if the complainant is not satisfied with the reply given by the bank.

Complaints To Be Received By Banking Ombudsman

The Banking Ombudsman can receive and consider to resolve any complaint related to the following banking services:

1. Non-payment or inordinate delay in the payment or collection of cheques, drafts, bills etc.
2. Non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission in respect thereof.
3. Non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof.
4. Non-payment or delay in payment of inward remittances.
5. Failure to issue or delay in issue of drafts, pay orders or bankers’ cheques.
6. Non-adherence to prescribed working hours.
7. Failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents.
8. Delays, non-credit of proceeds to parties' accounts, non-payment of deposit or non-observance of the Reserve Bank directives, if any, applicable to rate of interest on deposits in any savings, current or other account maintained with a bank.
9. Complaints from Non-Resident Indians having accounts in India in relation to their remittances from abroad, deposits and other bank related matters.
10. Refusal to open deposit accounts without any valid reason for refusal.
11. Levying of charges without adequate prior notice to the customer.
12. Non-adherence to the instructions of Reserve Bank on ATM / Debit Card and Prepaid Card operations in India by the bank or its subsidiaries.
    1. Account debited but cash not dispensed by ATM.
    2. Account debited more than once for one withdrawal in ATM or for POS transaction.
    3. Less / Excess amount of cash dispensed by ATM.
    4. Debit in account without use of the card or details of the card.
    5. Use of stolen / cloned cards
13. Non-adherence by the bank or its subsidiaries to the instructions of Reserve Bank on credit card operations.
    1. Unsolicited calls for Add-on Cards, insurance for cards etc.
    2. Charging of Annual Fees on Cards issued free for life.
    3. Wrong Billing / Wrong Debits.
    4. Threatening calls / inappropriate approach of recovery by recovery agents including non-observance of Reserve Bank guidelines on engagement of recovery agents.
    5. Wrong reporting of credit information to Credit Information Bureau.
    6. Delay or failure to review and correct the credit status on account of wrongly reported credit information to Credit Information Bureau.
14. Non-adherence to the instructions of Reserve Bank with regard to Mobile Banking / Electronic Banking service in India by the bank.
    1. Delay or failure to effect online payment / Fund Transfer.
    2. Unauthorized electronic payment / Fund Transfer.
15. Non-disbursement or delay in disbursement of pension (to the extent the grievance can be attributed to the action on the part of the bank concerned, but not with regard to its employees).
16. Refusal to accept or delay in accepting payment towards taxes, as required by Reserve Bank / Government.
17. Refusal to issue or delay in issuing, or failure to service or delay in servicing or redemption of Government securities.
18. Forced closure of deposit accounts without due notice or without sufficient reason.
19. Refusal to close or delay in closing the accounts.
20. Non-adherence to the fair practices code as adopted by the bank.
21. Non-adherence to the provisions of the Code of Bank's Commitments to Customers issued by Banking Codes and Standards Board of India and as adopted by the bank.
22. Non-observance of Reserve Bank guidelines on engagement of recovery agents by banks.
23. Non-adherence to Reserve Bank guidelines on para-banking activities like sale of insurance / mutual fund /other third party investment products by banks.
24. Any other matter relating to the violation of the directives issued by the Reserve Bank in relation to banking or other services.

COMPLAINTS RELATED TO LOANS AND ADVANCES TO BE RECEIVED BY BANKING OMBUDSMAN

A customer can also lodge a complaint on the following grounds of deficiency in service with respect to loans and advances:

1. Non-observance of Reserve Bank Directives on interest rates.
2. Delays in sanction, disbursement or non-observance of prescribed time schedule for disposal of loan applications.
3. Non-acceptance of application for loans without furnishing valid reasons to the applicant.
4. Non-adherence to the provisions of the fair practices code for lenders as adopted by the bank or Code of Bank’s Commitment to Customers, as the case may be.
5. Nnon-observance of any other direction or instruction of the Reserve Bank as may be specified by the Reserve Bank for this purpose from time to time.

The Banking Ombudsman may also deal with such other matter as may be specified by the Reserve Bank of India (RBI) from time to time.

PROCEDURE FOR FILING THE COMPLAINT BEFORE THE BANKING OMBUDSMAN

Customer can file a complaint with the Banking Ombudsman simply by writing on a plain paper. Complainant can also file it online at or by sending an email to the Banking Ombudsman. There is a complaint form along with details of the scheme. The Banking Ombudsman does not charge any fee for filing and resolving customers’ complaints.

Here is the list of Banking Ombudsman and their contacts including address, phone number, fax number, emails and operational areas of each Banking Ombudsman.

BANKING OMBUDSMAN, AHMEDABAD

Address: Banking Ombudsman, C/o Reserve Bank of India, 5th Floor, Nr. Income Tax, Ashram Road, Ahmedabad-380 014

Phone Number: 26575807 / 26582357 / 26586718 (STD Code: 079)

Fax:

Email: cms.boahmedabad@rbi.org.in

Area of Operation: Gujarat, Union Territories of Dadra and Nagar Haveli, Daman and Diu

BANKING OMBUDSMAN, BENGALURU

Address: Banking Ombudsman, C/o Reserve Bank of India, 10 / 3 / 8, Nrupathunga Road Bengaluru -560 001

Phone Number: 22277660 / 22180221 (STD Code: 080)

Fax: 22276114

Email: cms.bobengaluru@rbi.org.in

Area of Operation: Karnataka

BANKING OMBUDSMAN, BHOPAL

Address: Banking Ombudsman, C/o Reserve Bank of India, Hoshangabad Road Post Box No. 32, Bhopal-462 011

Phone Number: 2573772 / 2573776 / 2573779 (STD Code: 0755)

Fax:

Email: cms.bobhopal@rbi.org.in

Area of Operation: Madhya Pradesh

BANKING OMBUDSMAN, BHUBANESWAR

Address: Banking Ombudsman, C/o Reserve Bank of India, Pt. Jawaharlal Nehru Marg Bhubaneswar-751 001

Phone Number: 2396207 / 2396008 (STD Code: 0674)

Fax: 2393906

Email: cms.bobhubaneswar@rbi.org.in

Area of Operation: Odisha

BANKING OMBUDSMAN, CHANDIGARH

Address: Banking Ombudsman, C/o Reserve Bank of India, 4th Floor, Sector 17 Chandigarh

Phone Number: 0172 - 2721109 ()

Fax: 0172 - 2721880

Email: cms.bochandigarh@rbi.org.in

Area of Operation: Himachal Pradesh, Punjab, Union Territory of Chandigarh and Panchkula, Yamuna Nagar and Ambala Districts of Haryana.

BANKING OMBUDSMAN, CHENNAI

Address: Banking Ombudsman, C/o Reserve Bank of India, Fort Glacis, Chennai 600 001

Phone Number: 25395964 / 25395488 (STD Code: 044)

Fax:

Email: cms.bochennai@rbi.org.in

Area of Operation: Tamil Nadu, Union Territories of Puducherry (except Mahe Region) and Andaman and Nicobar Islands

BANKING OMBUDSMAN, DEHRADUN

Address: Banking Ombudsman, C/o Reserve Bank of India, 74 / 1 G.M.V.N. Building, 1st floor, Rajpur Road, Dehradun - 248 001

Phone Number: 2742001 (STD Code : 0135)

Fax: 2742001

Email: cms.bodehradun@rbi.org.in

Area of Operation: Uttarakhand and seven districts of Uttar Pradesh viz., Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor and Amroha (Jyotiba Phule Nagar)

BANKING OMBUDSMAN, GUWAHATI

Address: Banking Ombudsman, C/o Reserve Bank of India, Station Road, Pan Bazar Guwahati-781 001

Phone Number: 2734219 / 2512929 (STD Code: 0361)

Fax:

Email: cms.boguwahati@rbi.org.in

Area of Operation: Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland and Tripura

BANKING OMBUDSMAN, HYDERABAD

Address: Banking Ombudsman, C/o Reserve Bank of India, 6-1-56, Secretariat Road Saifabad, Hyderabad-500 004

Phone Number: 23210013 / 23210014 (STD Code: 040)

Fax:

Email: cms.bohyderabad@rbi.org.in

Area of Operation: Andhra Pradesh and Telangana

BANKING OMBUDSMAN, JAIPUR

Address: Banking Ombudsman, C/o Reserve Bank of India, Ram Bagh Circle, Tonk Road, Post Box No. 12, Jaipur-302 004

Phone Number: 2577931 (STD Code: 0141)

Fax:

Email: cms.bojaipur@rbi.org.in

Area of Operation: Rajasthan

BANKING OMBUDSMAN, JAMMU

Address: Banking Ombudsman, C/o Reserve Bank of India, Rail Head Complex, Jammu- 180012

Phone Number: 2477617 / 2477219 (STD Code : 0191)

Fax:

Email: cms.bojammu@rbi.org.in

Area of Operation: Union Territories of Jammu & Kashmir and Ladakh

BANKING OMBUDSMAN, KANPUR

Address: Banking Ombudsman, C/o Reserve Bank of India, M. G. Road, Post Box No. 82 Kanpur-208 001

Phone Number: 2305174 / 2303004 (STD Code: 0512)

Fax:

Email: cms.bokanpur@rbi.org.in

Area of Operation: Uttar Pradesh (excluding Districts of Ghaziabad, Gautam Buddha Nagar, Saharanpur, Shamli (Prabudh Nagar), Muzaffarnagar, Baghpat, Meerut, Bijnor and Amroha (Jyotiba Phule Nagar)

BANKING OMBUDSMAN, KOLKATA

Address: Banking Ombudsman, C/o Reserve Bank of India, 15, Netaji Subhash Road Kolkata-700 001

Phone Number: 22310217 / 22133353 (STD Code: 033)

Fax: 22305899

Email: cms.bokolkata@rbi.org.in

Area of Operation: West Bengal and Sikkim

BANKING OMBUDSMAN, MUMBAI (I)

Address: Banking Ombudsman, C/o Reserve Bank of India, 4th Floor, RBI Byculla Office Building, Opp. Mumbai Central Railway Station, Byculla, Mumbai-400 008

Phone Number: 23022028 (STD Code: 022)

Fax: 23022024

Email: cms.bomumbai1@rbi.org.in

Area of Operation: Districts of Mumbai, Mumbai Suburban and Thane

BANKING OMBUDSMAN, MUMBAI (II)

Address: Banking Ombudsman, C/o Reserve Bank of India, 4th Floor, RBI Byculla Office Building, Opp. Mumbai Central, Railway Station, Byculla, Mumbai-400 008

Phone Number: 2300 1280 (STD Code: 022)

Fax: 23022024

Email: cms.bomumbai2@rbi.org.in

Area of Operation: Goa and Maharashtra, (except the districts of Mumbai, Mumbai Suburban and Thane)

BANKING OMBUDSMAN, PATNA

Address: Banking Ombudsman, C/o Reserve Bank of India, Patna-800 001

Phone Number: 2322569 / 2323734 (STD Code: 0612)

Fax: 2320407

Email: cms.bopatna@rbi.org.in

Area of Operation: Bihar

BANKING OMBUDSMAN, NEW DELHI (I)

Address: Banking Ombudsman, C/o Reserve Bank of India, Sansad Marg, New Delhi

Phone Number: 23725445 (STD Code: 011)

Fax: 23725218

Email: cms.bonewdelhi1@rbi.org.in

Area of Operation: North, North-West, West, South-West, New Delhi and South districts of Delhi

BANKING OMBUDSMAN, NEW DELHI (II)

Address: Banking Ombudsman, C/o Reserve Bank of India, Sansad Marg, New Delhi

Phone Number: 23724856 (STD Code: 011)

Fax: 23725218-19

Email: cms.bonewdelhi2@rbi.org.in

Area of Operation: Haryana (except Panchkula, Yamuna Nagar and Ambala Districts) and Ghaziabad and Gautam Budh Nagar districts of Uttar Pradesh

BANKING OMBUDSMAN, NEW DELHI (III)

Address: Banking Ombudsman, C/o Reserve Bank of India, Sansad Marg, New Delhi

Phone Number: 23715393 (STD Code: 011)

Fax: 23765234

Email: cms.bonewdelhi3@rbi.org.in

Area of Operation: North-East, Central, Shahdara, East and South-East districts of Delhi

BANKING OMBUDSMAN, RAIPUR

Address: Banking Ombudsman, C/o Reserve Bank of India, 54 / 949, Shubhashish Parisar, Satya Prem Vihar Mahadev Ghat Road, Sundar Nagar, Raipur- 492013

Phone Number: 2244246 / 2241819 (STD Code : 0771)

Fax:

Email: cms.boraipur@rbi.org.in

Area of Operation: Chhattisgarh

BANKING OMBUDSMAN, RANCHI

Address: Banking Ombudsman, C/o Reserve Bank of India, 4th Floor, Pragati Sadan, RRDA Building, Kutchery Road, Ranchi Jharkhand 834001

Phone Number: 8521346222 / 9771863111 / 7542975444 (STD Code : 0651)

Fax: 2210511

Email: cms.boranchi@rbi.org.in

Area of Operation: Jharkhand

BANKING OMBUDSMAN, THIRUVANANTHAPURAM

Address: Banking Ombudsman, C/o Reserve Bank of India, Bakery Junction Thiruvananthapuram-695 033

Phone Number: 2332723 / 2323959 (STD Code: 0471)

Fax: 2321625

Email: cms.botrivandrum@rbi.org.in

Area of Operation: Kerala, Union Territory of Lakshadweep and Union Territory of Puducherry (only Mahe Region).