BBanking Ombudsman Casebook
About

About this casebook

I am a bank customer in India who has used the RBI Ombudsman 40 times between 2022 and 2026. I am not a lawyer and I do not work in banking.

When I started, I could find the rules but not what happens in practice: how long it takes, what the letters look like, what a "win" is. This site is the record I wanted then. It includes the complaints I got wrong, because those taught me the most.

How the case studies were put together

  • Each case is summarised from the RBI's acknowledgement and closure letters, the complaint list on the RBI portal, my correspondence with the entity and the Ombudsman's office, and my own working notes from the time.
  • Dates, complaint numbers, the entity's name, the closure clause and any compensation are as stated in those letters.
  • "Days" is counted from the registration date to the closure date in the closure letter.
  • The entity's position is given as the closure letter records it. The lessons are my own opinion.

What has been removed

My name and contact details, account, card and customer numbers, credit enquiry and service request numbers, and the names of bank staff, RBI officers and any third party. Complaint numbers are kept because they identify the case and nothing else.

Limits

  • This is one person's experience. Forty complaints are not a statistical sample, and most are about credit cards, credit reports and account records. I have no cases on loans in default, fraud losses or recovery agents.
  • The entities named here responded through a regulated process, and in most cases corrected the problem. A complaint being listed here is a statement of what the closure letter says, and nothing more.
  • Rules are described as I understand them on 11 November 2026, from the text of the 2026 Scheme and the RBI's FAQ on it. The Scheme text is the authority.
  • Nothing here is legal or financial advice.

Official sources

Corrections

If something here is wrong or out of date, I want to fix it. Write to contact@bankingombudsmancasebook.in. I cannot file complaints for others or advise on individual cases.