Banking
What to do when a payment goes wrong, a complaint stalls, or you need to know how safely your bank holds your money.
A banking problem is easier to solve once you identify the route before writing the complaint. An unauthorised payment needs an immediate block and fraud report; a service failure starts with the bank or payment provider; an unresolved regulated-entity complaint can move to the RBI Ombudsman. Sending the same paragraph everywhere at once usually produces acknowledgements, not action.
Keep the evidence while it is easy to collect: the transaction reference, date and time, screenshots, account statement, complaint number and the institution’s response. Do not share an OTP, PIN or password in a complaint. The useful record is a short chronology that lets the next reviewer see what happened, when you reported it and what remedy you asked for.
Safety also depends on knowing what the label on an app or account means. Deposit insurance attaches to eligible deposits with an insured bank, under rules about the depositor, bank and capacity in which the money is held. It is not a blanket guarantee for every company that accepts money. The guides below separate those boundaries before doing the arithmetic.
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DICGC deposit insurance: count by depositor, bank and holding capacity
After lawful set-off, DICGC covers eligible bank deposits up to ₹5 lakh, including interest, per depositor per bank in the same right and capacity.
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How to file an RBI Ombudsman complaint under RB-IOS 2026
Complain to the institution first, then use RBI CMS after an unsatisfactory reply or the applicable response period. The filing window is 90 days.
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Unauthorised UPI or card transaction: the first ten minutes matter
Report the debit to your bank immediately, block the payment channel and call 1930. Here is the RBI liability framework and the evidence to preserve.