Other Grounds

A customer can also file a complaint on the following grounds of deficiency in service with respect to loans and advances:

1. The Banking Ombudsman may also deal with such other matter as may be specified by the Reserve Bank from time to time.

2. Without any valid reason non - acceptance of application of loans.

3. Any violation of the provisions of the fair practices code for lenders as adopted by the bank or Code of Bank's Commitment to Customers, as the case may be.

4. Any type of violation of the instruction, guidelines, recommendations of the RBI

5. If any non - observance of Reserve Bank Directives on interest rates;

6. Any delays in sanction of loan applications

GROUNDS OF COMPLAINTS

ONE CAN FILE A COMPLAINT ON THE FOLLOWING GROUNDS OF COMPLAINTS:

1. Any excessive delay or non - payment of collection of cheques, drafts, bills etc.

2. Without any sufficient cause non acceptance of small denomination notes.

3. Charging any commission for acceptance of small denominations notes

4. Any delay in payment of inward remittances or non payment of inward remittances.

5. If any banking organization refuses to accept taxes or any delaying in accepting taxes (as required by RBI or Government of India).

6. Any delay in issuing government securities

7. Refusal to issue or redemption of government securities.

8. Without any sufficient reason, forced close the deposit accounts by bankers.

9. If any banker refuse to close the accounts

10. If any banker deliberately delaying in closing the accounts.

11. Non compliance of the provisions of Banking Codes and Standard Board of India.

12. If any banker commits non - observance of Reserve Bank of India's guidelines or instructions or any violation of the directives issued by the Reserve Bank in relation to banking or other services.

13. Without any sufficient cause, non acceptance of coins tendered or charging of commission in respect thereof.