Sree Subramanyeswara Co-opera ve Bank Ltd.

, Bengaluru
THE RESERVE BANK - 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

(1) This Scheme may be called the Reserve Bank - Integrated Ombudsman Scheme, 2021.
(2) It shall come into force on such date as the Reserve Bank may specify.
(3) It shall extend to the whole of India.
(4) 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

(1) 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.
(2) 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

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

(a) “Appellate Authority” means the Executive Director in-Charge of the Department
of the Reserve Bank administering the Scheme;
(b) “Appellate Authority Secretariat” means the Department in the Reserve Bank
which is administering the Scheme;

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(c) “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;
(d) “Award” means an award passed by the Ombudsman in accordance with the
Scheme;
(e) “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;
(f) “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;
(g) “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;
(h) “Deputy Ombudsman” means any person appointed by the Reserve Bank as such
under the Scheme;
(i) “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.
(j) “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;

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 (k) “Settlement” means an agreement reached by the parties to the complaint by
facilitation or conciliation or mediation, as per the provisions of this Scheme;
(l) “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;
(m) “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;
(n) “The Reserve Bank” means Reserve Bank of India constituted under Section 3 of
the Reserve Bank of India Act, 1934.
(2) 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.

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 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 andProcessing

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.

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 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.

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 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

(1) No complaint for deficiency in service shall lie under the Scheme in matters involving:
(a) commercial judgment/commercial decision of a Regulated Entity;
(b) a dispute between a vendor and a Regulated Entity relating to an outsourcing
contract;
(c) a grievance not addressed to the Ombudsman directly;
(d) general grievances against Management or Executives of a Regulated Entity;
(e) a dispute in which action is initiated by a Regulated Entity in compliance with the
orders of a statutory or law enforcing authority;
(f) a service not within the regulatory purview of the Reserve Bank;
(g) a dispute between Regulated Entities; and
(h) 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 -
(i) 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
(ii) 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.

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

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(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 8

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.

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 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.

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(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:
(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.
(2) 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.
(3) 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.
(4) 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
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lower. The compensation that can be awarded by the Ombudsman shall be exclusive of the
amount involved in the dispute.

(5) 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.
(6) A copy of the Award shall be sent to the complainant and the Regulated Entity.
(7) 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.
(8) 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

(1) The Deputy Ombudsman or the Ombudsman may reject a complaint at any stage if it
appears that the complaint made:
(a) is non-maintainable under clause 10; or
(b) is in the nature of offering suggestions or seeking guidance or explanation
(2) The Ombudsman may reject a complaint at any stage if:
(a) in his opinion there is no deficiency in service; or
(b) 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
(c) the complaint is not pursued by the complainant with reasonable diligence; or
(d) the complaint is without any sufficient cause; or
(e) 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
(f) in the opinion of the Ombudsman there is no financial loss or damage, or
inconvenience caused to the complainant.
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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

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 (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.

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 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.

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 Annex
FORM OF COMPLAINT (TO BE LODGED) WITH THE OMBUDSMAN
[Clause 11(2) of the Scheme]
(TO BE FILLED UP BY THE COMPLAINANT)
All the fields are mandatory except wherever indicated otherwise
To
The Ombudsman

Madam/Sir,
Sub: Complaint against ……………………(place of Regulated Entity’s branch or office) of
………………………………………………………………………………(name of the Regulated
Entity)

Details of the complaint:

1. Name of the complainant …………………………………………………………….
2. Age (years)………….
3. Gender……..………..
4. Full address of the complainant ………………………………………………………
……………………………………………………………………………………………….
……………………………………………………………………………………………….
Pin Code ………………..
Phone No. (if available)……………. …
Mobile Number. .……………………….
E-mail (if available) …………………….
5. Complaint against (Name and full address of the branch or office of the Regulated Entity)
………………………….……………………………………………………………... ……..
………………………………………………………………………………………………….
Pin Code …………………….
6. Nature of relationship/account number (if any) with the Regulated Entity
……………………………………………………………….…………………………………

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7. Transaction date and details, if available
……………………………………………………………….…………………………………
(a) Date of complaint already made by the complainant to the Regulated Entity
(Please enclose a copy of the complaint)
……………………………………………………………….…………………………………
(b) Whether any reminder was sent by the complainant? Yes/No
(Please enclose a copy of the reminder)
……………………………………………………………….…………………………………
8. Please tick the relevant box (Yes/No)
Whether your complaint:

(i) is sub-judice/under arbitration1? Yes No

is made through an advocate, except when the advocate is Yes No

(ii) the aggrieved party?

has already been dealt with or is under process on the same Yes No
(iii) ground with the Ombudsman?

is in the nature of general complaint/s against Management Yes No

(iv) or Executives of a Regulated Entity?

is on account of a dispute between Regulated Entities? Yes No

(v)

involves employer-employee relationship? Yes No

(vi)

9. Subject matter of the complaint

………………………………………………………………………………………………….
10. Details of the complaint:
(If space is not sufficient, please enclose a separate sheet)
…………………………………………………………………………………………………
…………………………………………………………………………………………………

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…………………………………………………………………………………………………………
…………………………………………………………………………………………………………
…………………………………………………………………………………………………………
_________________________
1 Complaint is sub-judice/under arbitra on if the complaint in respect of the same cause of ac on is already pending/dealt with
on merits by any Court, Tribunal or Arbitrator or any other Authority, whether individually or jointly.

11. Whether any reply has been received from the Regulated Entity within a period of 30 days
of receipt of the complaint by it? Yes/No
(if yes, please enclose a copy of the reply)
12. Relief sought from the Ombudsman
…………………………………………………………………………………………………………
…………………………………………………………………………………………………………
(Please enclose a copy of documentary proof, if any, in support of your claim)
13. Nature and extent of monetary loss, if any, claimed by the complainant by way of
compensation (please refer to clauses 15 (4) & 15 (5) of the Scheme)
Rs.………………………………………………………………………………………………………
…………………………………………………………………………….…………………………….
14. List of documents enclosed:

Declaration
(i) I/We, the complainant/s herein declare that:
a) the information furnished above is true and correct; and
b) I/We have not concealed or misrepresented any fact stated above, and in the documents
submitted herewith.
(ii) The complaint is filed before the expiry of a period of one year reckoned in accordance
with the provisions of clause 10 (2) of the Scheme.

Yours faithfully
(Signature of the Complainant/Authorised Representative)

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 AUTHORISATION

If the complainant wants to authorise a representative to appear and make submission on

her/his behalf before the Ombudsman, the following declaration should be submitted:

I/We …………….. hereby nominate Shri/Smt………………………………………….. as my/our

authorised representative whose contact details are as below:
Full Address …………………………………………………………………………………………...
…………………………………………………………………………………………………………..
…………………………………………………………………………………………………. ………
Pin Code ……………..……………..
Phone No:……………….…………..
Mobile Number. .……………………
E-mail ………………………..………

(Signature of the Complainant)

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 CONTACT DETAILS OF CREDIT INSTITUTION FOR COMPLAINANTS / ESCALATIONS
Digital
Your Credit Institution Contact
Lendor Name Level Officers Name Designation Email ID Weblink to raise Credit Bureau Dispute Working Hours Office Address
/BANK/NBFC name Number
(If any)
SREE SUBRAMANYESWARA https://www.subcobank.com/assets/pdfs/Eng No.106,RAJATHA BHAVANA,RV
UBD KA550P 1 First point of Contact KRISHNAIAH SETTY K.N GENERAL MANAGER(I/C) 9900607365 gm@subcobank.com 10.00 AM TO 6.00PM
CO-OPERATIVE BANK LTD., /ombudsman.pdf ROAD,VVPURAM,BANGALORE-04
https://www.subcobank.com/assets/pdfs/Eng No.106,RAJATHA BHAVANA,RV
2 Escalation Manager KISHORE KUMAR K.S ASSISTANT 9986733803 creditinfo@subcobank.com 10.00 AM TO 6.00PM
/ombudsman.pdf ROAD,VVPURAM,BANGALORE-04
https://www.subcobank.com/assets/pdfs/Eng No.106,RAJATHA BHAVANA,RV
PURUSHOTHAMA.G ASSISTANT 9980533472 creditinfo@subcobank.com 10.00 AM TO 6.00PM
/ombudsman.pdf ROAD,VVPURAM,BANGALORE-04
https://www.subcobank.com/assets/pdfs/Eng No.106,RAJATHA BHAVANA,RV
3 Nodal officer KRISHNA.M Dy.GENERAL MANAGER 9886497745 dgm@subcobank.com 10.00 AM TO 6.00PM
/ombudsman.pdf ROAD,VVPURAM,BANGALORE-04
https://www.subcobank.com/assets/pdfs/Eng No.106,RAJATHA BHAVANA,RV
4 Escalation above Nodal officer KRISHNAIAH SETTY K.N GENERAL MANAGER(I/C) 9900607365 gm@subcobank.com 10.00 AM TO 6.00PM
/ombudsman.pdf ROAD,VVPURAM,BANGALORE-04