RBI – Integrated Ombudsman Scheme 2021

A Scheme for resolving customer grievances in relation to services provided by entities regulated by Reserve Bank of India in an expeditious and cost-effective manner under Section 35A of the Banking Regulation Act, 1949 (10 of 1949), Section 45L of the Reserve Bank of India Act, 1934 (2 of 1934) and Section 18 of the Payment and Settlement Systems Act, 2007 (51 of 2007).


Chapter I

Preliminary

1. Short Title, Commencement, Extent and Application

  • This Scheme may be called the Reserve Bank - Integrated Ombudsman Scheme, 2021.
  • It shall come into force on such date as the Reserve Bank may specify.
  • It shall extend to the whole of India.
  • The Scheme shall apply to the services provided by a Regulated Entity in India to its customers under the provisions of the Reserve Bank of India Act, 1934, the Banking Regulation Act, 1949, and the Payment and Settlement Systems Act, 2007.

2. Suspension of the Scheme

  • The Reserve Bank, if it is satisfied that it is expedient so to do, may by order suspend for such period as may be specified in the order, the operation of all or any of the clauses of the Scheme, either generally or in relation to any specified Regulated Entity.
  • The Reserve Bank may, by order, extend from time to time, the period of any suspension ordered as aforesaid by such period, as it may deem fit.

3. Definitions

(a) In the Scheme, unless the context otherwise requires:

  1. "Appellate Authority" means the Executive Director in-Charge of the Department of the Reserve Bank administering the Scheme;
  2. "Appellate Authority Secretariat" means the Department in the Reserve Bank which is administering the Scheme;
  3. "Authorised Representative" means a person, other than an advocate, duly appointed and authorised in writing to represent the complainant in the proceedings before the Ombudsman;
  4. "Award" means an award passed by the Ombudsman in accordance with the Scheme;
  5. "bank" means a 'banking company', a 'corresponding new bank', a 'Regional Rural Bank', 'State Bank of India' as defined in the Banking Regulation Act, 1949, a 'co-operative bank' as defined in Section 56 (c) of the Banking Regulation Act, 1949 to the extent not excluded under the Scheme, but does not include a bank in resolution or winding up or under directions or any other bank as specified by the Reserve Bank;
  6. "Complaint" means a representation in writing or through other modes alleging deficiency in service on the part of a Regulated Entity, and seeking relief under the Scheme;
  7. "Deficiency in service" means a shortcoming or an inadequacy in any financial service, which the Regulated Entity is required to provide statutorily or otherwise, which may or may not result in financial loss or damage to the customer;
  8. "Deputy Ombudsman" means any person appointed by the Reserve Bank as such under the Scheme;
  9. "Non-Banking Financial Company" (NBFC) means an NBFC as defined in Section 45-I (f) of the Reserve Bank of India Act, 1934 and registered with the Reserve Bank, to the extent not excluded under the Scheme, but does not include a Core Investment Company (CIC), an Infrastructure Debt Fund-Non-Banking Financial Company (IDF-NBFC), a Non-Banking Financial Company - Infrastructure Finance Company (NBFC-IFC), a company in resolution or winding up / liquidation, or any other NBFC specified by the Reserve Bank; Explanation : The terms CIC and IDF-NBFC shall have the same meaning assigned to them under the RBI Directions.
  10. "Regulated Entity" means a bank or a Non-Banking Financial Company or a System Participant as defined in the Scheme, or any other entity as may be specified by the Reserve Bank from time to time; to the extent not excluded under the Scheme;
  11. "Settlement" means an agreement reached by the parties to the complaint by facilitation or conciliation or mediation, as per the provisions of this Scheme;
  12. "System Participant" means a person other than the Reserve Bank and a System Provider, participating in a payment system as defined in the Payment and Settlement Systems Act, 2007;
  13. "System Provider" means and includes a person who operates an authorised payment system as defined in Section 2 of the Payment and Settlement Systems Act, 2007;
  14. "The Reserve Bank" means Reserve Bank of India constituted under Section 3 of the Reserve Bank of India Act, 1934.

(b) Words and expressions used and not defined in the Scheme, but defined in the Reserve Bank of India Act, 1934, or in the Banking Regulation Act, 1949, or in the Payment and Settlement Systems Act, 2007 or in the Regulations or guidelines or Directions issued by the Reserve Bank in exercise of its powers conferred by the Acts referred to herein above, shall have the meanings respectively assigned to them.


Chapter II

Offices under The Reserve Bank - Integrated Ombudsman Scheme, 2021

4. Appointment and Tenure of Ombudsman and Deputy Ombudsman

  1. The Reserve Bank may appoint one or more of its officers as Ombudsman and Deputy Ombudsman, to carry out the functions entrusted to them under the Scheme.
  2. The appointment of Ombudsman or the Deputy Ombudsman, as the case may be, shall be made for a period not exceeding three years at a time.

5. Location of the Office of the Ombudsman

  1. The offices of the Ombudsman shall be at such places as may be specified by the Reserve Bank.
  2. In order to expedite disposal of the complaints, the Ombudsman may hold sittings at such places and in such manner as may be considered necessary and proper in respect of a complaint.

6. Establishment of a Centralised Receipt and Processing Centre

  1. The Reserve Bank shall establish the Centralised Receipt and Processing Centre at any place as may be decided by it to receive the complaints filed under the Scheme and process them.
  2. The complaints under the Scheme made online shall be registered on the portal (https://cms.rbi.org.in). Complaints in electronic mode (E-mail) and physical form, including postal and hand-delivered complaints, shall be addressed and sent to the place where the Centralised Receipt and Processing Centre of the Reserve Bank is established, for scrutiny and initial processing.

Provided that the complaints that are received directly in any of the offices of the Reserve Bank shall be forwarded to the Centralised Receipt and Processing Centre for further action.

7. Staffing of the Offices of Ombudsman and Centralised Receipt and Processing Centre

The Reserve Bank shall ensure that the offices of the Ombudsman and the Centralised Receipt and Processing Centre are adequately staffed and shall bear the cost thereof.


Chapter III

Powers and Functions of the Ombudsman

8. Powers and Functions

  1. The Ombudsman / Deputy Ombudsman shall consider the complaints of customers of Regulated Entities relating to deficiency in service.
  2. There is no limit on the amount in a dispute that can be brought before the Ombudsman for which the Ombudsman can pass an Award. However, for any consequential loss suffered by the complainant, the Ombudsman shall have the power to provide a compensation up to Rupees 20 lakh, in addition to, up to Rupees One lakh for the loss of the complainant's time, expenses incurred and for harassment / mental anguish suffered by the complainant.
  3. While the Ombudsman shall have the power to address and close all complaints, the Deputy Ombudsman shall have the power to close those complaints falling under clause 10 of the Scheme and complaints settled through facilitation as stated under clause 14 of the Scheme.
  4. The Ombudsman shall send to the Deputy Governor, Reserve Bank of India, a report, as on March 31st every year, containing a general review of the activities of the office during the preceding financial year, and shall furnish such other information as the Reserve Bank may direct.
  5. The Reserve Bank may, if it considers necessary in the public interest to do so, publish the report and the information received from the Ombudsman in such consolidated form or otherwise, as it may deem fit.


Chapter IV

Procedure for Redressal of Grievance under the Scheme

9. Grounds of Complaint

Any customer aggrieved by an act or omission of a Regulated Entity resulting in deficiency in service may file a complaint under the Scheme personally or through an authorised representative as defined under clause 3(1)(c).

10. Grounds for non-maintainability of a Complaint

(a) No complaint for deficiency in service shall lie under the Scheme in matters involving :

  1. commercial judgment / commercial decision of a Regulated Entity;
  2. a dispute between a vendor and a Regulated Entity relating to an outsourcing contract;
  3. a grievance not addressed to the Ombudsman directly;
  4. general grievances against Management or Executives of a Regulated Entity;
  5. a dispute in which action is initiated by a Regulated Entity in compliance with the orders of a statutory or law enforcing authority;
  6. a service not within the regulatory purview of the Reserve Bank;
  7. a dispute between Regulated Entities; and
  8. a dispute involving the employee-employer relationship of a Regulated Entity.

(2) A complaint under the Scheme shall not lie unless:

(a) the complainant had, before making a complaint under the Scheme, made a written complaint to the Regulated Entity concerned and -

  1. the complaint was rejected wholly or partly by the Regulated Entity, and the complainant is not satisfied with the reply; or the complainant had not received any reply within 30 days after the Regulated Entity received the complaint; and
  2. the complaint is made to the Ombudsman within one year after the complainant has received the reply from the Regulated Entity to the complaint or, where no reply is received, within one year and 30 days from the date of the complaint.

(b) the complaint is not in respect of the same cause of action which is already-

  1. pending before an Ombudsman or settled or dealt with on merits, by an Ombudsman, whether or not received from the same complainant or along with one or more complainants, or one or more of the parties concerned;
  2. pending before any Court, Tribunal or Arbitrator or any other Forum or Authority; or, settled or dealt with on merits, by any Court, Tribunal or Arbitrator or any other Forum or Authority, whether or not received from the same complainant or along with one or more of the complainants / parties concerned;

(c) the complaint is not abusive or frivolous or vexatious in nature;

(d) the complaint to the Regulated Entity was made before the expiry of the period of limitation prescribed under the Limitation Act, 1963, for such claims;

(e) the complainant provides complete information as specified in clause 11 of the Scheme;

(f) the complaint is lodged by the complainant personally or through an authorised
representative other than an advocate unless the advocate is the aggrieved person.

Explanation 1 : For the purposes of sub-clause (2)(a), 'written complaint' shall include complaints made through other modes where proof of having made a complaint can be produced by the complainant.

Explanation 2 : For the purposes of sub-clause (2)(b)(ii), a complaint in respect of the same cause of action does not include criminal proceedings pending or decided before a Court or Tribunal or any police investigation initiated in a criminal offence.

11. Procedure for Filing a Complaint

  1. The complaint may be lodged online through the portal designed for the purpose (https://cms.rbi.org.in).
  2. The complaint may also be submitted through electronic or physical mode to the Centralised Receipt and Processing Centre as notified by the Reserve Bank. The complaint, if submitted in physical form, shall be duly signed by the complainant or by the authorised representative. The complaint shall be submitted in electronic or physical mode in such format and containing such information as may be specified by Reserve Bank.

12. Initial Scrutiny of Complaints

  1. Complaints which are in the nature of offering suggestions or seeking guidance or explanation shall not be treated as valid complaints under the Scheme and shall be closed accordingly with a suitable communication to the complainant.
  2. Complaints which are non-maintainable under clause 10 shall be separated to issue a suitable communication to the complainant.
  3. The remaining complaints shall be assigned to the offices of the Ombudsman for further examination under intimation to the complainant. A copy of the complaint shall also be forwarded to the Regulated Entity against whom the complaint is filed with a direction to submit its written version.

13. Power to Call for Information

  1. The Ombudsman may, for the purpose of carrying out duties under this Scheme, require the Regulated Entity against whom the complaint has been made or any other Regulated Entity which is a party to the dispute to provide any information or furnish certified copies of any document relating to the complaint which are or is alleged to be in its possession. Provided that in the event of failure of a Regulated Entity to comply with the requisition without sufficient cause, the Ombudsman may draw an inference that the Regulated Entity has no information to furnish.
  2. The Ombudsman shall maintain confidentiality of the information or the documents coming to its knowledge or possession in the course of discharging duties and shall not disclose such information or documents to any person except as otherwise required by law, or with the consent of the person furnishing such information or documents.
    Provided that nothing in this sub-clause shall prevent the Ombudsman from disclosing information or documents furnished by the parties to the proceedings to each other, to the extent considered necessary to comply with the principles of natural justice and fair play:
    Provided further that provisions of this sub-clause shall not apply in relation to the disclosure made or information furnished by the Ombudsman to the Reserve Bank or filing thereof before any Court, Forum or Authority.

14. Resolution of Complaints

  1. The Ombudsman / Deputy Ombudsman shall endeavour to promote settlement of a complaint by agreement between the complainant and the Regulated Entity through facilitation or conciliation or mediation.
  2. The proceedings before the Ombudsman shall be summary in nature and shall not be bound by any rules of evidence. The Ombudsman may examine either party to the complaint and record their statement.
  3. The Regulated Entity shall, on receipt of the complaint, file its written version in reply to the averments in the complaint enclosing therewith copies of the documents relied upon, within 15 days before the Ombudsman for resolution.
    Provided that the Ombudsman may, at the request of the Regulated Entity in writing to the satisfaction of the Ombudsman, grant such further time as may be deemed fit to file its written version and documents.
  4. In case the Regulated Entity omits or fails to file its written version and documents within the time as provided in terms of sub-clause (3), the Ombudsman may proceed ex-parte based on the evidence available on record and pass appropriate Order or issue an Award. There shall be no right of appeal to the Regulated Entity in respect of the Award issued on account of non-response or non-furnishing of information sought within the stipulated time.
  5. The Ombudsman / Deputy Ombudsman shall ensure that the written version or reply or documents filed by one party, to the extent relevant and pertaining to the complaint, are furnished to other party and follow such procedure and provide additional time as may be considered appropriate.
  6. In case the complaint is not resolved through facilitation, such action as may be considered appropriate, including a meeting of the complainant with the officials of Regulated Entity, for resolution of the complaint by conciliation or mediation may be initiated.
  7. The parties to the complaint shall cooperate in good faith with the Ombudsman / Deputy Ombudsman, as the case may be, in resolution of the dispute and comply with the direction for production of any evidence and other related documents within the stipulated time.
  8. If any amicable settlement of the complaint is arrived at between the parties, the same shall be recorded and signed by both the parties and thereafter, the fact of settlement may be recorded, annexing thereto the terms of settlement, directing the parties to comply with the terms within the stipulated time.
  9. The complaint would be deemed to be resolved when :

(a) it has been settled by the Regulated Entity with the complainant upon the intervention of the Ombudsman; or
(b) the complainant has agreed in writing or otherwise (which may be recorded) that the manner and the extent of resolution of the grievance is satisfactory; or
(c) the complainant has withdrawn the complaint voluntarily.

15. Award by the Ombudsman

  1. Unless the complaint is rejected under clause 16, the Ombudsman shall pass an Award in the event of:
  2. (a) non-furnishing of documents / information as enumerated in clause 14(4); or
    (b) the matter not getting resolved under clause 14(9) based on records placed, and after
    affording a reasonable opportunity of being heard to both the parties.

  3. The Ombudsman shall also take into account, in addition, the principles of banking law and practice, directions, instructions and guidelines issued by the Reserve Bank from time to time and such other factors as may be relevant, before passing a reasoned Award.
  4. The Award shall contain, inter alia, the direction, if any, to the Regulated Entity for specific performance of its obligations and in addition to or otherwise, the amount, if any, to be paid by the Regulated Entity to the complainant by way of compensation for any loss suffered by the complainant.
  5. Notwithstanding anything contained in sub-clause (3), the Ombudsman shall not have the power to pass an Award directing payment by way of compensation, an amount which is more than the consequential loss suffered by the complainant or Rupees 20 lakh whichever is lower. The compensation that can be awarded by the Ombudsman shall be exclusive of the amount involved in the dispute.
  6. The Ombudsman may also award a compensation not exceeding Rupees one lakh to the complainant, taking into account the loss of the complainant's time, expenses incurred, harassment and mental anguish suffered by the complainant.
  7. A copy of the Award shall be sent to the complainant and the Regulated Entity.
  8. The Award passed under sub-clause (1) shall lapse and be of no effect unless the complainant furnishes a letter of acceptance of the Award in full and final settlement of the claim to the Regulated Entity concerned, within a period of 30 days from the date of receipt of the copy of the Award. Provided that no such acceptance may be furnished by the complainant if he has filed an appeal under sub-clause (3) of clause 17.
  9. The Regulated Entity shall comply with the Award and intimate compliance to the Ombudsman within 30 days from the date of receipt of the letter of acceptance from the complainant, unless it has preferred an appeal under sub-clause (2) of clause 17.

16. Rejection of a Complaint

(a) The Deputy Ombudsman or the Ombudsman may reject a complaint at any stage if it appears that the complaint made :

  1. is non-maintainable under clause 10; or
  2. is in the nature of offering suggestions or seeking guidance or explanation

(b) The Ombudsman may reject a complaint at any stage if:


  1. in his opinion there is no deficiency in service; or
  2. the compensation sought for the consequential loss is beyond the power of the Ombudsman to award the compensation as indicated in clause 8(2); or
  3. the complaint is not pursued by the complainant with reasonable diligence; or
  4. the complaint is without any sufficient cause; or
  5. the complaint requires consideration of elaborate documentary and oral evidence and the proceedings before the Ombudsman are not appropriate for adjudication of such complaint; or
  6. in the opinion of the Ombudsman there is no financial loss or damage, or inconvenience caused to the complainant.

17. Appeal before the Appellate Authority

  1. There shall not be any right of appeal to a Regulated Entity for an Award issued for non-furnishing of documents / information under clause 15(1)(a).
  2. The Regulated Entity may, aggrieved by an Award under clause 15(1)(b) or closure of a complaint under clauses 16(2)(c) to 16(2)(f), within 30 days of the date of receipt of communication of Award or closure of the complaint, prefer an appeal before the Appellate Authority.
    (a) Provided that in the case of an appeal by a Regulated Entity, the period of 30 days for filing an appeal shall commence from the date on which the Regulated Entity receives the letter of acceptance of Award by the complainant:
    (b) Provided further that an appeal may be filed by a Regulated Entity only with the previous sanction of the Chairman or the Managing Director / Chief Executive Officer or, in their absence, the Executive Director / Official of equal rank.
    (c) Provided that the Appellate Authority may, if he is satisfied that the Regulated Entity had sufficient cause for not making the appeal within the time, may allow a further period not exceeding 30 days.
  3. The complainant may, aggrieved by an Award under clause 15(1) or rejection of a complaint under clauses 16(2)(c) to 16(2)(f), within 30 days of the date of receipt of the Award or rejection of the complaint, prefer an appeal before the Appellate Authority.
    Provided that the Appellate Authority may, if he is satisfied that the complainant had sufficient cause for not making the appeal within the time, may allow a further period not exceeding 30 days.
  4. The Appellate Authority's Secretariat shall scrutinise and process the Appeal.
  5. The Appellate Authority may, after giving the parties a reasonable opportunity of being heard :
    (a) dismiss the appeal; or
    (b) allow the appeal and set aside the Award or order of the Ombudsman; or
    (c) remand the matter to the Ombudsman for fresh disposal in accordance with such directions as the Appellate Authority may consider necessary or proper; or
    (d) modify the order of the Ombudsman or Award and pass such directions as may be necessary to give effect to the order of the Ombudsman or Award so modified; or
    (e) pass any other order as it may deem fit.
  6. The order of the Appellate Authority shall have the same effect as the Award passed by Ombudsman under clause 15 or the order rejecting the complaint under clause 16, as the case may be.

18. Regulated Entity to Display Salient Features of the Scheme for Knowledge of the Public

  1. The Regulated Entity to which the Scheme is applicable shall facilitate the smooth conduct of the Scheme by ensuring meticulous adherence to the requirements under the Scheme, failing which, the Reserve Bank may take such action as it may deem fit.
  2. The Regulated Entity shall appoint a Principal Nodal Officer at their head office who shall not be a rank less than a General Manager or an officer of equivalent rank and shall be responsible for representing the Regulated Entity and furnishing information on behalf of the Regulated Entity in respect of complaints filed against the Regulated Entity. The Regulated Entity may appoint such other Nodal Officers to assist the Principal Nodal Officer as it may deem fit for operational efficiency.
  3. The Regulated Entity shall display prominently for the benefit of their customers at their branches / places where the business is transacted, the name and contact details (Telephone / mobile number and E-mail ID) of the Principal Nodal Officer along with the details of the complaint lodging portal of the Ombudsman (https://cms.rbi.org.in).
  4. The Regulated Entity to which the Scheme is applicable shall ensure that the salient features of the Scheme are displayed prominently in English, Hindi and the regional language in all its offices, branches and places where the business is transacted in such a manner that a person visiting the office or branch has adequate information on the Scheme.
  5. The Regulated Entity shall ensure that a copy of the Scheme is available in all its branches to be provided to the customer for reference upon request.
  6. The salient features of the Scheme along with the copy of the Scheme and the contact details of the Principal Nodal Officer shall be displayed and updated on the website of the Regulated Entity.


Chapter V

Miscellaneous

19. Removal of Difficulties

If any difficulty arises in giving effect to the provisions of the Scheme, the Reserve Bank may make such provisions not inconsistent with the Reserve Bank of India Act, 1934, or the Banking Regulation Act, 1949, or the Payment and Settlement Systems Act, 2007, or the Scheme, as it may consider necessary or expedient for removing any difficulty.

20. Repeal of the Existing Schemes and Application to Pending Proceedings

  1. The Banking Ombudsman Scheme, 2006, the Ombudsman Scheme for Non-Banking Financial Companies, 2018, and the Ombudsman Scheme for Digital Transactions, 2019, hereby stand repealed.
  2. The adjudication of pending complaints, appeals and execution of the Awards already passed, as on the date of commencement of the Reserve Bank - Integrated Ombudsman Scheme, 2021, shall continue to be governed by the provisions of the respective Ombudsman Schemes and instructions of the Reserve Bank issued thereunder.


Contact details of CRPC, RBI:-
Centralized Receipt and Processing Centre
Reserve Bank of India,
4th Floor Sector-17, Chandigarh – 160017”
Email: crpc@rbi.org.in

Addresses of Banking Ombudsmen

Sl. No.

Centre

Name & Address of the Office of Banking Ombudsman

Name and Contact details of Nodal Officer

1.

Ahmedabad

Smt. N Sara Rajendra Kumar
C/o Reserve Bank of India
4th Floor, "Riverfront House", Behind H.K. Arts College,
Between Gandhi & Nehru Bridge,
Pujya Pramukh Swami Marg (Riverfront Road - West),
Ahmedabad-380 009
STD Code: 079
Tel. No. 26582357
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. Moti Lal Meena

Dy. General Manager,

Bank of Baroda,

Zonal Office,

6th floor, Bank of Baroda Tower,

Nr. Law Garden, Ellis bridge,

Ahmedabad 380 006 (Gujarat).

Tele. No: 079 -26473186

Email: dgm.ngz@bankofbaroda.com

 

2.

Bengaluru

Ms Saraswathi Shyamprasad
C/o Reserve Bank of India
10/3/8, Nrupathunga Road
Bengaluru -560 001
STD Code: 080
Tel. No. 22277660/22180221
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. B Shivaram

Deputy General Manager

Bank of Baroda,

Zonal Office,

2nd Floor, Vijaya Tower, 41/2 MG Road,

Bengaluru-560 001 (Karnataka).

Tele. No: 080-25011500

Email : dgm.karap@bankofbaroda.com

 

3.

Bhopal

Shri Hemant Kumar Soni
C/o Reserve Bank of India
Hoshangabad Road
Post Box No. 32, Bhopal-462 011
STD Code: 0755
Tel. No. 2573772/2573779
Email: crpc@rbi.org.in
Click here to lodge complaint

Smt. Mausumi Mitra

Dy. General Manager

Bank of Baroda,

Zonal Office,

Plot no.202,

Ganga Jamuna Complex,

Maharana.Pratap.Nagar, Zone-1,

Bhopal-462011 (Madhya Pradesh).

Tele No. 0755-4049032

Email: DZH.mpz@bankofbaroda.com

 

4.

Bhubaneswar

Shri Biswajit Sarangi
C/o Reserve Bank of India
Pt. Jawaharlal Nehru Marg
Bhubaneswar-751 001
STD Code: 0674
Tel. No. 2396207
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. Rajiv Krishna

Regional Head,

Bank of Baroda,

Regional Office,

1st Floor, Bivab Gulmohar,

Behera Sahi Nayapalli,

Bhubaneswar – 751012 (Orissa).

Tel No. 0674-2421210

Email: rm.bhubaneswar@bankofbaroda.com

 

5.

Chandigarh

Shri Rajeev Dwivedi
C/o Reserve Bank of India
4th Floor, Sector 17
Chandigarh
STD Code: 0172
Tel. No. - 2721109, 2721011, 2727118
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri Suresh Gajendren

Deputy Zonal Head,

Bank of Baroda,

Zonal Office,

Chandigarh Zone,

SCO -185-187, Sector 9C,

Chandigarh-160009.

Tele. No. 0172-2717324

Email : dzh.chandigarh@bankofbaroda.co.in

 

6.

Chennai

Dr (Smt) Tuli Roy
C/o Reserve Bank of India
Fort Glacis, Chennai 600 001
STD Code: 044
Tel No. 25395964
Fax. 25395488
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. K Rajavel

Deputy Zonal Head,

Bank of Baroda,

Zonal Office,

Baroda Pride,

41, Luz Church Road,

Mylapore,

Chennai 600 004 (Tamil Nadu)

Tele: 044 - 23454337

Email: complaints.sz@bankofbaroda.com

 

7.

Dehradun

Shri Arun Bhagoliwal
C/o Reserve Bank of India
74/1 G.M.V.N. Building, 1st floor,
Rajpur Road,
Dehradun - 248 001
STD Code: 0135
Tel No.: 2742001
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. Anoop Sharma

Assistant General Manager,

Bank of Baroda,

Regional Office,

410, Indira Nagar Colony,

Dehradun - 248001,

Tele No: 0135-2769952

Email: rm.dehradun@bankofbaroda.com

 

8.

Guwahati

Shri Thotngam Jamang
C/o Reserve Bank of India
Station Road, Pan Bazar
Guwahati-781 001
STD Code: 0361
Tel.No. 2542556/ 2512929
Email: crpc@rbi.org.in
Click here to lodge complaint

Smt. Aileen D Diengdoh

Assistant General Manager,

Bank of Baroda,

Regional Office,

G.S. Road, Bhangagarh,

Guwahati - 781005 (Assam)

Tele No.:0361-2525475

Email: rm.northeast@bankofbaroda.com

 

9.

Hyderabad

Shri T Srinivasa Rao
C/o Reserve Bank of India
6-1-56, Secretariat Road
Saifabad, Hyderabad-500 004
STD Code: 040
Tel. No. 23210013
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. K. Vinod Babu

Dy. Zonal Head,

Bank of Baroda,

Zonal Office,

H No. 3-6-289,

Kareem Manzil,

Hyderguda, Hyderabad – 500029 (Telangana)

Tele No : 040 – 23287200

Email : dzh.hyderabad@bankofbaroda.com

 

10.

Jaipur

Ms. Rekha Chandanaveli
C/o Reserve Bank of India,
4th floor Rambagh Circle,
Tonk Road, Jaipur - 302 004
STD Code: 0141
Tel. No. 2577931
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. R C Yadav

Deputy General Manager,

Bank of Baroda,

Zonal Office,

Baroda Bhavan,

Plot No. 13,  Airport plaza,

Tonk Road, Durgapura,

Jaipur -302018

Tele No.: 0141-2727103

Email: dyzm.rz@bankofbaroda.com

 

11.

Jammu

Shri Ramesh Chand
C/o Reserve Bank of India,
Rail Head Complex,
Jammu- 180012
STD Code: 0191
Tel No.: 2477905
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. Satpal Mehra

Assistant General Manager

Bank of Baroda, Regional Office,

First Floor,Near Longa Devi Mandir, Town Hall, Amritsar

143001

Tele. No. 0183-5192042

Email : rm.amritsar@bankofbaroda.com

 

12.

Kanpur

Shri P K Nayak
C/o Reserve Bank of India
M. G. Road, Post Box No. 82
Kanpur-208 001
STD Code: 0512
Tel. No. 2305174/2303004
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. Ashok Kumar Singh

Deputy Zonal Head,

Bank of Baroda, Zonal Office,

Baroda House, V-23 Vibhuti Khand Nagar

Lucknow 266010  

Tele. No. 0522- 6677704

Email: dgm.upu@bankofbaroda.com

 

13.

Kolkata

Shri Rabindra Kishore Panda
C/o Reserve Bank of India
15, Netaji Subhash Road
Kolkata-700 001
STD Code: 033
Tel. No. 22310217
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. Pradip Kumar Das

Deputy Zonal Head,

Bank of Baroda,

Zonal Office,

Block: GN, Plot No.38/2(5th &6th Floor)

Salt Lake City, Sector – V,

Kolkata – 700 091 (West Bengal)

Tele. No. (033) 23401704

Email: dyzm.ez@bankofbaroda.com

 

14.

Mumbai (I)

Dr. Neena Rohit Jain
C/o Reserve Bank of India
4th Floor, RBI Byculla Office Building,
Opp. Mumbai Central Railway Station,
Byculla, Mumbai-400 008
STD Code: 022
Tel No. 23022028
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. Pitabash Pattanayak

Deputy Zonal Head,

Bank of Baroda,

Zonal Office,

Third Floor,

3, Walchand Hirachand Marg,

Ballard pier,

Mumbai – 400 001(Maharashtra).

Tele No. : 022-42120702

E Mail : dzh.ops.gmz@bankofbaroda.com

15.

Mumbai (II)

Dr. Sushanta Kumar Kar
C/o Reserve Bank of India,
4th Floor, RBI Byculla Office
Building, Opp. Mumbai Central
Railway Station, Byculla,
Mumbai-400 008
STD Code: 022
Tel No.: 23001483
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. Chandra Mani Tripathy

Deputy General Manager

Bank of Baroda,

Zonal Office,

2nd floor, Sharda Centre,

Erandwane,

Pune -  411004 (Maharashtra)

Tele No. : 020-25937102

E Mail: dzh.mgz@bankofbaroda.com

16.

Patna

Shri Rajesh Jai Kanth
C/o Reserve Bank of India
Patna-800 001
STD Code: 0612
Tel. No. 2322569/2323734
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. Sanjeev Choudhary

Deputy General Manager,

Bank of Baroda,

Zonal Office,

First Floor,

Anand Vihar,

West Boring Canal Road,

Patna – 800001(Bihar)

Tel No.: 0612-2557159

Email: dgm.bojz@bankofbaroda.com

17.

New Delhi (I)

Shri R.K. Moolchandani
C/o Reserve Bank of India,
Sansad Marg, New Delhi
STD Code: 011
Tel. No. 23725445
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. B. S. Gupta

Deputy General Manager,

Bank of Baroda,

Zonal Office,

6th floor, Bank of Baroda Building

16, Sansad Marg

New Delhi - 110 001

Tele. No. 011-23329825

Email : dzh.nz@bankofbaroda.com

 

18.

New Delhi (II)

Ms. Ruchi A S H
C/o Reserve Bank of India
Sansad Marg, New Delhi
STD Code: 011
Tel. No. 23724856
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. B. S. Gupta

Deputy General Manager,

Bank of Baroda,

Zonal Office,

6th floor, Bank of Baroda Building

16, Sansad Marg

New Delhi - 110 001

Tele. No. 011-23329825

Email : dzh.nz@bankofbaroda.com

 

19.

New Delhi (III)

Ms. Suchitra Maurya
C/o Reserve Bank of India
Sansad Marg, New Delhi
STD Code: 011
Tel. No. 23715393
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. B. S. Gupta

Deputy General Manager,

Bank of Baroda,

Zonal Office,

6th floor, Bank of Baroda Building

16, Sansad Marg

New Delhi - 110 001

Tele. No. 011-23329825

Email : dzh.nz@bankofbaroda.com

 

20.

Raipur

Shri J. P. Tirkey
C/o Reserve Bank of India
54/949, Shubhashish Parisar, Satya Prem Vihar
Mahadev Ghat Road, Sundar Nagar, Raipur- 492013
STD Code: 0771
Tel. No: 2244246
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri.  Satya Ranjan Mahapatra

Assistant General Manager,

Bank of Baroda,

Regional Office,

Jeevan Prakash, Jeevan Bima Marg, Pandri,

Raipur-492004 (Madhya Pradesh).

Tele No. 0771-4222606

Email:  rm.raipur@bankofbaroda.com

 

21.

Ranchi

Smt Chandana Dasgupta
C/o Reserve Bank of India
4th Floor, Pragati Sadan,
RRDA Building,
Kutchery Road, Ranchi Jharkhand 834001
STD Code: 0651
Tel No.: 8521346222/9771863111/
7542975444
Email : crpc@rbi.org.in
Click here to lodge complaint

Shri. Manoj Kumar

Assistant General Manager,

Bank of Baroda,

Regional Office, Ranchi

Tele No. 6287395610

Email:  rm.ranchi@bankofbaroda.com

 

22.

Thiruvananthapuram

Shri G Ramesh
C/o Reserve Bank of India
Bakery Junction
Thiruvananthapuram-695 033
STD Code: 0471
Tel. No. 2332723/2323959
Email: crpc@rbi.org.in
Click here to lodge complaint

Shri. Ziyad Rahuman

Deputy General Manager,

Bank of Baroda,Zonal Office,

KMRL MG Road

Metro Station Complex,

Ernakulam-682035 (Kerala)

Tele: 0484-2867802

Email: zm.ernakulam@bankofbaroda.com

 

Add this website to home screen

Are you Bank of Baroda Customer?

This is to inform you that by clicking on continue, you will be leaving our website and entering the website/Microsite operated by Insurance tie up partner. This link is provided on our Bank’s website for customer convenience and Bank of Baroda does not own or control of this website, and is not responsible for its contents. The Website/Microsite is fully owned & Maintained by Insurance tie up partner.


The use of any of the Insurance’s tie up partners website is subject to the terms of use and other terms and guidelines, if any, contained within tie up partners website.


Proceed to the website


Thank you for visiting www.bankofbaroda.in

X
We use cookies (and similar tools) to enhance your experience on our website. To learn more on our cookie policy, Privacy Policy and Terms & Conditions please click here. By continuing to browse this website, you consent to our use of cookies and agree to the Privacy Policy and Terms & Conditions.