Consumer Protection8 min readPublished 8 Oct 2026
How to File a Complaint Against a Bank with RBI Ombudsman (cms.rbi.org.in): Step-by-Step
Has your bank ignored your complaint about unauthorized transactions or unfair fees? Learn how to file an official dispute on the RBI CMS portal for free compensation.
Precious Thakur & Banking Research DeskSenior Financial Infrastructure Analyst
Fact-Checked & RBI Compliant
Key Takeaways & Summary
- You can approach the Ombudsman after 30 days if your bank fails to reply or gives an unsatisfactory response.
- The Ombudsman can award compensation up to ₹20 Lakhs for financial loss and ₹1 Lakh for mental anguish.
- The service is 100% free with no legal representation required.
When a commercial bank, NBFC, or payment app ignores your grievance regarding lost funds or unauthorized debits, the Reserve Bank of India Integrated Ombudsman Scheme steps in as an impartial arbitrator with statutory power to penalize lenders.
#RBI Ombudsman#Banking Complaint#cms.rbi.org.in#Consumer Rights#Bank Dispute
Frequently Asked Questions
Can I file a complaint with the Banking Ombudsman directly?
No. You must first lodge a formal complaint with your bank branch or Principal Nodal Officer and wait 30 days before escalating to the RBI.