Money & banking › Bank charges, mis-selling or service
Bank deducted minimum balance charges
What usually matters in this situation, and the papers to keep ready before you meet an advocate or free legal aid (call 15100).
Make my own list — free, 2 minutesYour situation
- What is the problem? Wrong or unexplained charges
Papers to gather
- Account statement showing the issue
Shows charges, debits or restrictions. Where: Net banking / passbook. - Account number, branch and customer ID
Every complaint form asks for it. Where: Passbook / app. - A short dated timeline of what happened
Makes your complaint clear and complete. Where: Write it yourself. - Bank's schedule of charges or product terms
Charges outside it are disputable. Where: Bank website.
You may also need, depending on your answers
- Written complaint to the bank and its reply — Required before RBI.
- Send a written complaint to the bank (email or grievance portal) — Starts the 30-day clock.
- File on cms.rbi.org.in — Free and binding on the bank if you accept the award.
What the law says
Under the RBI Integrated Ombudsman Scheme, you must first complain to the bank. If there is no reply in 30 days, or the reply is unsatisfactory, you can complain on cms.rbi.org.in — generally within one year of the bank's reply.
General information, not legal advice.
Saboot will also ask
- Have you complained in writing to the bank?
Similar situations
- Bank sold me insurance saying it was a fixed deposit
- Valuables missing from my bank locker
- Bank closed my account without telling me
- Bank branch refuses to serve my elderly parent
- Bank is not answering my complaint for weeks
- Cheque book or debit card charges I never asked for
- Fixed deposit broken or not paid on maturity
- Nominee not being paid the money in a bank account
Sources
The full guide: Bank problem — wrong charges, mis-sold policy, account closed, locker or poor service · All situations