Direct Benefit Transfer (DBT) not credited, or poor service from a bank
Responsible Concerned bank branch / Reserve Bank of India (Banking Ombudsman)
Where to complain
- File online cms.rbi.org.in →
- Phone 14448
- Department site cms.rbi.org.in →
What to have ready
- Account number
- Transaction reference
- Copy of the prior complaint made to the bank
Having these to hand before you start makes the complaint faster to file and much stronger if you later need to escalate it.
If it is not resolved · escalate in this order
Typical timeframe 30 days at bank level before RBI escalation is permitted
- 01 Your bank branch You start here Complaining to the bank first is mandatory. Keep the account number and transaction reference.
- 02 Bank's nodal grievance officer if the branch does not resolve it
- 03 RBI Banking Ombudsman only after 30 days unresolved, or an unsatisfactory reply File at cms.rbi.org.in and attach your earlier complaint to the bank.
Keep your complaint reference number at every stage. It is the only thing that lets any office — or this platform's follow-up support — trace what actually happened to your case.
Worth knowing
A complaint to the bank itself is a mandatory first step before the Ombudsman route