The grievance ladder
01
Entity
Submit through the lender/NBFC's official grievance channel.
02
Escalate
Use the next-level internal grievance mechanism where available.
03
RBI route
Check current eligibility and use the official RBI complaint mechanism where applicable.
04
Other routes
Consider cybercrime, police, consumer or qualified legal routes where appropriate.
Build the complaint pack
One-page chronology
Loan / KFS documents
Bank and payment evidence
Recovery messages / calls
Third-party contact evidence
Previous grievance + acknowledgement
Exact relief requested
All reference/ticket numbers
VERIFY BEFORE YOU PUBLISH OR FILE
Regulatory procedures, coverage and official contacts can change. Verify the current RBI scheme, the entity's regulated status and the correct official route before relying on this page.
Regulatory procedures, coverage and official contacts can change. Verify the current RBI scheme, the entity's regulated status and the correct official route before relying on this page.
Complaint writing rule
State facts. Give dates and amounts. Identify the exact conduct. Attach evidence. Ask for a written response. Avoid threats, fabricated stories and unsupported legal conclusions.
See the complaint templates →