The Ombudsman
Scheme is a system of expeditious and inexpensive resolution to customer
complaints. Any person whose grievance against a Bank is not resolved to his
satisfaction by the Bank within a period of two months, he can approach the
Banking Ombudsman if his complaint pertains to any of the matters specified in
the scheme. Banking Ombudsmen have been authorised to look into the complaints
concerning
a. Deficiency in banking service
b. Sanction of loans and advances in so far as they relate to
non-observance of the Reserve Bank of India directives on interest rates,
delays in sanction or non-observance of prescribed time schedule for disposal
of loan application or non observance of any other directions or instructions
of the Reserve Bank, etc. and (c). Other matters as may be specified by
the Reserve Bank. Ombudsman would make recommendations after listening to both
parties. In case the recommendation made by the Banking Ombudsman is not
accepted by either of the parties, Banking Ombudsman proceeds to make an award.
The scheme is applicable to all scheduled commercial banks having business in
India and scheduled primary co-operative banks except Regional Rural Banks. The
procedure for the redressal of grievances under the Banking Ombudsman Scheme is
profiled as under:
1. Written complaint is to be lodged by a person or an authorised
representative
2. Complaint shall include signature of the complainant or an
authorised representative along with the name, address and also name and
address of the bank office/branch along with supportive documents, the nature
and extent of the loss incurred and the relief sought from the Banking
Ombudsman and a statement about the compliance of the conditions referred to in
Sub-clause (3) of this clause.
3. No complaint to the Banking Ombudsman shall lie unless:
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Written representation was made to the bank and either the
bank had rejected the complaint or no reply was received from the bank within
60 days of receipt of complaint or in case of unsatisfactory reply received
from the bank.
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The complaint is made one year after the rejection of the
representation by the bank or dispatch of final reply by the bank on the
representation.
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The complainant is not in receipt of the same subject matter
if settled by the Banking Ombudsman in previous proceeding/s whether received
from the same complainant or any one or more of the parties concerned with the
subject matter.
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The complaint is not the same subject matter, for which any
proceedings before any court, tribunal or arbitrator or any other forum is
pending or a decree or Award or order of dismissal has already been passed by
any such court, tribunal, arbitrator or forum.
-
The complaint if not frivolous or vexatious in nature.
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Name & Address of
Banking Ombudsman
|
Area of operation
|
Shri.G.C.Agarwal
C/O Reserve Bank of India
M.G.Road, Post Box No.82
KANPUR 208001
|
Uttar Pradesh (excluding Ghaziabad
District) |
Shri.S.K.Soni
Jeevan Bharti Building
Tower No.1, 7th Floor
124, Connaught Circus
NEW DELHI 110011
|
Delhi, Haryana, Jammu & Kashmir and
Ghasiabad District of Uttar Pradesh |
Shri.P.V.A.Rama Rao
C/O Reserve Bank of India
Hoshangabad Road
P.O.Box No.32
Bhopal 462011
|
Madhya Pradesh |
Shri.B.K.R.Rao, I.P.S.
C/O Reserve Bank of India
10/3/8, Nrupatunga Road
BANGALORE 560002
|
Karnataka |
Shri.S.A.Rahman
C/O Reserve Bank of India
New Office Building
Sector 17, Central Vista
CHANDIGARH 160017
|
Himachal Pradesh, Punjab and the Union
Territory of Chandigarh |
Shri.S.A.Hussain
C/O Reserve Bank of India
6-1-56, Secretariat Road
Saifabad
HYDERABAD 500004
|
Andhra Pradesh |
C/O Reserve Bank of India
South of Gandhi Maidan
Patna 800001
|
Bihar |
Shri.H.N.Das, I.A.S.
C/O Reserve Bank of India
Station Road, Pan Bazar
GUWAHATI 781001
|
Assam, Arunachal Pradesh, Manipur,
Meghalaya, Mizorum, Nagaland and Tripura |
Dr.Sitakant Mahapatra, I.A.S.
C/O Reserve Bank of India
Pandit Jawaharlal Nehru Marg
BHUBANESWAR 751001
|
Orissa |
Shri.R.Ramalingam, I.P.S.
Challa Mall, 8th Floor
11/11A Sir Thyagaraya Road
T.Nagar, Chennai 600017
|
Tamil Nadu, Pondicherry, Andaman and
Nicobar Islands |
Shri.S.L.Bose, I.A.S.
C/O Reserve Bank of India
15, Netaji Subhash Road
CALCUTTA 700001
|
West Bengal and Sikkim |
Shri.S.A.Kamath
C/O Reserve Bank fo India
La Gajjar Chambers
Ashram Road
AHMEDABAD 380009
|
Gujarat, Dadra and Nagar Haveli and Daman
and Diu |
Shri.C.Harikumar
C/O Reserve Bank of India
THIRUVANANTHAPURAM - 695033
|
Thiruvananthapuram |
Dr.M.C.Bhandari
C/O Reserve Bank of India
Ram Bagh Circle
Tonk Road, P.O.Box No.12
JAIPUR 302004
|
Rajasthan |
Shri.J.R.Prabhu
C/O Reserve Bank of India
Garment House
Ground Floor
Dr.Annie Besant Road
Worli
MUMBAI 400018
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Maharashtra and
|