Tax, Banking & FEMA · Banking Disputes
A frozen NRO account, an unauthorised transaction, a deceased parent’s deposit or a bank that will not respond — escalate to the right forum from abroad.
Tell us the bank, the account type and what has gone wrong.
In short
Complain to the bank in writing first. If the bank does not reply within 30 days or the reply is unsatisfactory, a complaint can go to the RBI Ombudsman under the Reserve Bank – Integrated Ombudsman Scheme, 2021. Consumer commissions and civil courts remain available for larger or complex disputes.
Common situations
Problems NRIs raise most often.
KYC lapses or inoperative accounts.
Money lost through fraud or a card misuse.
Claims by heirs and nominees.
Old deposits moved after years of inactivity.
Access to or loss from a bank locker.
A transfer stuck for weeks.
Your options
Start with the bank and escalate.
To the branch and the bank’s grievance officer.
Complaint under the Integrated Ombudsman Scheme.
The RBI’s portal to search for unclaimed deposits.
For deficiency in service.
Report on the national cybercrime portal or helpline 1930.
For large or complex claims.
The law
RBI directions and consumer law.
Step by step
From abroad
The RBI complaint portal can be used from abroad.
Inform your bank immediately to limit liability.
A POA helps a representative deal with the branch.
Update your email and mobile number with the bank.
Add nominees to accounts and lockers.
Save every acknowledgment.
Avoid these
FAQs
Yes, through the online complaint portal.
Ask the bank and search the RBI’s UDGAM portal for unclaimed deposits.
Usually it is a KYC or inactivity issue; the bank will list what it needs.
An award binds the bank if you accept it; you can pursue other remedies if you don’t.
Related
Collecting deposits and securities.
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Moving money out of India.
Explore →
Rules for NRIs and OCIs.
Explore →
Defective goods and services.
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For records and pensions.
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The full category.
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Speak to a lawyer in India by phone or video about your banking problem.
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The information provided is for general educational purposes only and does not constitute legal advice. Applicable laws and procedures may vary depending on the facts, jurisdiction, and circumstances of each matter. Consult a qualified legal professional before taking action. Last reviewed: November 2026.
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