Banking & Financial Complaint Helplines

1. Immediate Financial Fraud Reporting (MOST IMPORTANT)

 1930 – National Cyber Crime Helpline (Financial Fraud Emergency)

Purpose:
For immediate reporting of:

• UPI fraud

• Debit/Credit card fraud

• Net banking fraud

• Fake investment/trading scams

• QR code scams

• SIM swap fraud

• Digital arrest scams

• OTP scams

Why this is critical:
If you report within the “Golden Hour” (ideally within 1–2 hours), authorities may freeze the beneficiary account before money is withdrawn.

Operated by:
Indian Cyber Crime Coordination Centre under Ministry of Home Affairs

Also file complaint online:
https://cybercrime.gov.in

Information you must provide:

• Transaction ID

• Amount

• Date & time

• Bank name

• Your account number (last 4 digits sufficient)

• Screenshots

2. RBI – Banking Complaints & Ombudsman

 14440 – RBI Complaint Helpline

Operated by:
Reserve Bank of India

RBI Complaint Portal (CMS)

Website: https://cms.rbi.org.in

Covers complaints against:

• All Banks (Public, Private, Cooperative)

• NBFCs

• Payment Banks

• Credit Card Companies

• Prepaid Wallet Companies

What You Can Complain About

• Unauthorized transactions

• Delay in refund

• ATM cash not dispensed but amount debited

• Credit card billing errors

• Excess interest charges

• Loan harassment

• Wrong CIBIL reporting

• Bank refusing service

• Account freezing without reason

• KYC issues

RBI Complaint Process (Step-by-Step)

Step 1: First complain to your Bank

• Email or written complaint

• Bank must respond within 30 days

Step 2: If not satisfied or no reply

File complaint with RBI CMS portal.

Step 3: RBI Ombudsman Review

• Case assigned digitally

• Bank asked to respond

• Resolution or compensation ordered

Step 4: Appeal (if required)

Appeal to RBI Appellate Authority within 30 days.

Compensation RBI May Award

• Refund of amount

• Interest compensation

• ₹1 lakh compensation for mental harassment (in some cases)

• Credit score correction order

3. Credit Card & Digital Payment Complaints

NPCI (For UPI & RuPay Issues)

Operated by:
National Payments Corporation of India

Website: https://www.npci.org.in

Covers:

• UPI disputes

• Failed UPI transactions

• Wrong UPI transfer

• RuPay card disputes

• BHIM app complaints

 First complain to your bank before approaching NPCI.

4. Stock Market & Investment Complaints

SEBI SCORES Portal

Operated by:
Securities and Exchange Board of India

Website: https://scores.sebi.gov.in

Complain against:

• Stock brokers

• Mutual fund companies

• Portfolio managers

• Insider trading

• IPO fraud

• Unauthorized trading in your account

Resolution timeline: Usually 30–45 days

5. Insurance Complaints

IRDAI Grievance Cell

Regulator:
Insurance Regulatory and Development Authority of India

Helpline: 155255 or 1800 4254 732

Website: https://www.irdai.gov.in

Covers:

• Claim rejection

• Delay in claim settlement

• Mis-selling of insurance

• Policy cancellation issues

6. Pension & NPS Complaints

PFRDA (National Pension System)

Regulator:
Pension Fund Regulatory and Development Authority

Website: https://www.npscra.nsdl.co.in

Helpline: 1800 110 708

7. Consumer Court (If Bank Fails to Resolve)

If RBI or regulator resolution fails:

File case at:

• District Consumer Commission

• State Commission

• National Commission

Under Consumer Protection Act.

You can claim:

• Compensation

• Refund

• Litigation cost

• Mental harassment damages

8. Banking Fraud Legal Sections (For FIR)

In case of serious fraud, file FIR under:

• 318 BNS (Cheating)

• IT Act 66C, 66D

• Relevant cybercrime sections

Also inform your bank in writing immediately.

Important Timelines You Must Know