Questions people ask

No. There is no fee for filing or pursuing a complaint.

No, and a complaint filed through an advocate is not maintainable unless the advocate is the aggrieved customer. You can authorise a family member or other representative.

On the RBI's Complaint Management System at cms.rbi.org.in. Email (crpc@rbi.org.in) and post to the Centralised Receipt and Processing Centre in Chandigarh are also accepted. The contact centre on 14448 gives guidance and status but cannot register a complaint.

As soon as the bank rejects your complaint or gives a reply you are not satisfied with, or after 30 days of silence. Calculate your dates.

Yes. Under the 2026 Scheme, 90 days from the end of the bank's 30 days (or longer prescribed period) or from its last communication, whichever is later. It was one year under the 2021 Scheme.

Yes, credit information companies are covered. But if the wrong data came from a lender, complain against the lender. Why.

Yes, as their authorised representative. One of my cases was filed for a family member.

You do not choose. Complaints are received centrally and allocated. Mine have been handled by different offices regardless of where I live.

Mine ranged from 2 to 154 days, with a median of 28. Complaints rejected at intake closed in about 12 days; ones that were examined and fixed took about 32.

On the CMS portal with the complaint number from your acknowledgement, or by calling 14448.

That is your decision. If you accept, confirm in writing exactly what was agreed. If you decline, say so in writing and say what is still outstanding. An offer you have not accepted does not close the complaint by itself, though the office may treat the issue as addressed.

Yes, at any stage, from "Track a complaint" on the CMS portal.

The portal form is in English and Hindi, and the description box accepts any language. Email and postal complaints can be in any language.

Yes. Email them to the address the case correspondence came from, quoting the complaint number. Template. Do not file a new complaint.

Send your comments anyway, immediately. The letter says that without comments the case will be decided on what is on file, so late is better than never, but it may already be closed.

The ceilings are ₹30 lakh for consequential loss and ₹3 lakh for harassment, time and expenses. My actual payments were ₹1,000 to ₹50,000. What drives the amount.

Write to the bank with a three-day deadline, then file a fresh complaint quoting the original number. Template.

Only against an Award, within 30 days, to the Appellate Authority. Closures and rejections cannot be appealed under the 2026 Scheme. Other routes.

If the defect can be cured, yes. A premature complaint can be filed again after the 30 days; I did that and it was resolved. A duplicate or a commercial-decision closure will meet the same end unless something has changed.

Within the Scheme, usually yes: you cannot file the same matter again. Outside it, you can still go to a consumer commission or a court.

I have filed against the same banks several times and still hold accounts and cards with them. A complaint is a regulated process the bank is required to handle.

No. It is a personal project with no connection to the RBI or any bank. About.

No. The site does not offer filing services or individual advice. The RBI itself says complainants need not approach any third-party agency or pay any fee.