Bank complaint (bank, then RBI Ombudsman)
A written complaint to your bank, the step needed before the RBI Ombudsman.
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How the paper begins
With Dastavo's sample details; the people and places are fictional. The words in blue are the ones you fill in.
To,
The Branch Manager,
Amar Co-operative Bank Ltd., Main Branch, Amarnagar
Subject: Complaint about account No. 00000067890
Sir/Madam,
1.That the applicant holds account No. 00000067890 with your branch.
2.That ₹1,180 was debited on 02-10-2026 as "SMS and maintenance charges" although my account is a basic savings account.
3.That it is requested that you reverse the wrong debit, and reply in writing within thirty days.
4.That if the complaint is not resolved within thirty days, or the reply is not satisfactory, the applicant will approach the RBI Ombudsman under the Reserve Bank - Integrated Ombudsman Scheme, 2021, through cms.rbi.org.in.
Thanking you,
Date: 12-10-2026
Asha Rani
House No. 12, Street No. 3, Nanak Nagar, Amarnagar, Tehsil and District Amarnagar, Punjab
Phone: 0000000001
What to bring
Papers to bring
- Your passbook or account statement showing the entries in question
- The transaction details: date, amount, reference or UTR number, and the card number (last four digits only)
- Copies of earlier complaints to the bank, with the complaint or ticket number and any reply
- Aadhaar card or another photo identity proof (photocopy; the original to show)
Where to go
Given at the branch (ask for an acknowledgement) or sent to the bank's grievance address or portal. If there is no reply within 30 days, or the reply does not satisfy you, complain to the RBI Ombudsman online at cms.rbi.org.in.
Fee
No fee to complain to the bank or to the RBI Ombudsman.
Good to know
- Go to the Ombudsman within one year of the bank's reply (or of the 30 days, if there was none); a matter already in a court or consumer commission is not taken.
- For online fraud, also call 1930 at once: see "Cyber fraud complaint".
- Keep a copy with the office's receiving stamp, or the complaint or diary number, to follow it up.
Papers and fees can change. Check with the office before you go. Guidance only, not yet reviewed by a lawyer.
Stamp paper
Plain paper is enough.