Discuss in detail the grounds of ‘Complaints’ and ‘Procedure’ for filing the complaint under the Banking Ombudsman Schemes.

The Banking Ombudsman can receive and consider any complaint relating to the following deficiency in banking services:

• non-payment or inordinate delay in the payment or collection of cheques, drafts, bills etc.;

• non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission in respect thereof;

• non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof;

• non-payment or delay in payment of inward remittances ;

• failure to issue or delay in issue of drafts, pay orders or bankers’ cheques;

• non-adherence to prescribed working hours ;

• failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents;

• delays, non-credit of proceeds to parties' accounts, non-payment of deposit or non-observance of the Reserve Bank directives, if any, applicable to rate of interest on deposits in any savings, current or other account maintained with a bank ;

• complaints from Non-Resident Indians having accounts in India in relation to their remittances from abroad, deposits and other bank related matters;

• refusal to open deposit accounts without any valid reason for refusal;

• levying of charges without adequate prior notice to the customer;

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