Bank Wrongly Deducted Money From Your Account? Do This
There's a formal escalation path, and it's faster than most people think.
First, raise a complaint directly with your bank — through their app, branch, or grievance email — and get a complaint reference number. Banks are required to resolve most disputes within 7-30 working days depending on the type.
If unresolved, or if the bank doesn't respond within 30 days, escalate to the RBI Banking Ombudsman (a free, online complaint process at cms.rbi.org.in) — this is specifically designed for exactly this kind of dispute and doesn't need a lawyer.
For unauthorised digital transactions specifically, RBI rules limit your liability to zero if you report within 3 working days of noticing it, and to a capped amount if reported within a slightly longer window — reporting fast genuinely matters here.
The free, formal complaint-resolution mechanism for banking disputes
Caps your liability for unauthorised transactions if reported quickly
Still wondering about...
How fast should I report an unauthorised transaction?
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