Banking Complaint
Evidence Checklist
Complete document checklist for bank complaints — failed transactions, fraud, charges, loan disputes
The Reserve Bank – Integrated Ombudsman Scheme, 2026 covers all complaints against RBI-regulated entities — banks, NBFCs, and payment system operators. To be eligible, you must first have put the complaint to the bank in writing, and then either: (a) no reply has come within 30 days, or within the longer response period the RBI, NPCI or the card network prescribes for that kind of transaction, or (b) a reply has come and it does not satisfy you — in which case you can file at once, without waiting out the rest of the 30 days. The complaint must be filed within 90 days of the expiry of that response period or of the bank's last communication, whichever is later. This checklist covers the documents needed for bank-level complaints and RBI Ombudsman filings.
Account Holder Identity
Transaction Evidence
Bank Complaint Evidence
Loan / Credit Disputes
RBI Ombudsman Filing
RBI Integrated Ombudsman (cms.rbi.org.in) — free, online, covers all scheduled banks. Also: District Consumer Commission (e-jagriti.gov.in) for consumer product disputes. Cyber Crime Cell (cybercrime.gov.in) for online fraud.
The RBI Ombudsman covers UPI failures, credit card fraud, mis-selling of insurance and investment products by banks, and loan disputes. Approach it once the bank's response period has expired, or sooner if the reply is unsatisfactory, and file within 90 days of that point. Under RB-IOS 2026 the Ombudsman can award up to ₹30 lakh for consequential loss and a further ₹3 lakh for time, expenses and harassment — claim both heads expressly.
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