Excerpts of the Banking Ombudsman Scheme 2006 are enclosed for your reference.
No complaint to the Banking Ombudsman shall lie unless:
(a) the complainant before making a complaint to the Banking Ombudsman, had made a written representation to the bank and the bank had rejected the complaint or the complainant had not received any reply within a period of one month after the bank received his representation or the complainant is not satisfied with the reply given to him by the bank;
(b) the complaint is made not later than one year after the complainant has received the reply of the bank to his representation or, where no reply is received, not later than one year and one month after the date of the representation to the bank;
(c) the complaint is not in respect of the same subject matter which was settled or dealt with on merits by the Banking ombudsman in any previous proceedings whether or not received from the same complainant or along with one or more complainants or one or more of the parties concerned with the subject matter;
(d) the complaint does not pertain to 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 has been passed by any such court, tribunal, arbitrator or forum;
(e) the complaint is not frivolous or vexatious in nature; and
(f) the complaint is made before the expiry of the period of limitation prescribed under the Indian Limitation Act, 1963 for such claims.
The details of the Banking Ombudsman and any further information on the Banking Ombudsman Scheme can be procured from our nearest branch or you may also visit www.bankingombudsman.rbi.org.in for the same.