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Grievance Redressal Mechanism

Flow Chart

Step 1:

  • Grievance Received from Customer: This is the starting point of the grievance handling process.

Step 2: Receival Methods

  • Modes of Receipt: Grievances can be received through various channels, including:

    • Online Form: Click here!

    • Physical Complaint Letter: Submitted at a bank branch.

    • RBI Ombudsman CMS Portal: Formal complaints lodged through the Reserve Bank of India’s portal.

    • Other Modes: Including phone or email communications.

Step 3: Internal Routing

  • Internal Routing: Received grievances are systematically directed to the appropriate department for further action.

    • Forwarded to Respective Branch/Department: Based on the nature of the grievance, it is directed to the specific branch or department best equipped to address the issue.

    • Forwarded to Customer Grievance Cell: Complaints are channeled to the Grievance Cell, which is handled by the Nodal Officer.

Step 4: Resolution

  • Resolution Provided to Grievance: This final step signifies that the grievance has been addressed and a resolution has been provided to the customer.

Action Plan for Cyber & Digital Frauds

Flowchart

1. Fraud Detection

  • Unauthorized transaction identified (ATM, ECOM and POS).

2. Immediate Block (Self-Action)

  • Digital: Use the Mobile App or Internet Banking to instantly Block/Hotlist your card.

  • Phone: Call Customer Care at 022-62664100 (24×7) to report and freeze services.

3. Report to Authorities

4. Acknowledgement

  • Save the Acknowledgement Number generated by the portal.

5. Investigation

  • The Cyber Cell/Police begins investigation. Maintain the reference number for all future coordination with the NCRP portal.