📋 Your banking rights: As per RBI guidelines, banks must resolve ATM disputes in 5 days, UPI reversals in 5 days, respond to complaints in 30 days. If bank doesn't comply — approach Banking Ombudsman. This service is FREE and the ombudsman's decision is BINDING on banks for claims up to Rs 20 lakh.
| Problem | Immediate Action | Deadline | Escalation |
|---|---|---|---|
| ATM cash not dispensed | Wait 5 days for auto-reversal | 5 working days | Full Guide → |
| UPI payment failed | Check app for refund status | 5 working days | Full Guide → |
| Online banking fraud | Call 1930 immediately | Report within 3 days | Full Guide → |
| KYC update needed | Do Video KYC online | Before account freeze | Full Guide → |
| Account frozen | Visit branch with Aadhaar + PAN | Immediate | Full Guide → |
| Bank not resolving | File on RBI CMS portal | 30 days bank response | Full Guide → |
| Service | Number | Use For |
|---|---|---|
| Cyber Crime Helpline | 1930 | Online fraud, UPI fraud — call immediately! |
| RBI Helpline | 14448 | Banking complaints, consumer issues |
| SBI Customer Care | 1800 1234 | SBI account issues, ATM disputes |
| HDFC Bank | 1800 202 6161 | HDFC account, card issues |
| NPCI (UPI issues) | 1800 120 1740 | UPI payment failures, NPCI complaints |
| IRDAI (Insurance) | 155255 | Insurance claim rejection |
Our banking experts will guide you through the complaint process and help resolve your issue. Free!
Get Free Banking HelpDisclaimer: RBI guidelines as of 2026. Bank processes may vary. Always keep transaction receipts and communication records.