Ombudsman Complaint Generator

About the Ombudsman Complaint Generator

India has a free grievance body for most of the companies people deal with every day — but each one takes a complaint only after you have complained to the company first, waited the right time, and filed within a deadline. This generator knows those rules for seven forums: the RBI Ombudsman (banks, NBFCs, wallets, credit bureaus), the Insurance Ombudsman, SEBI SCORES (listed companies, brokers, mutual funds), the National Consumer Helpline after an e-commerce grievance officer, a telecom provider’s Appellate Authority, the electricity CGRF and Ombudsman, and the Grievance Appellate Committee for social media and apps.

Choose the forum and whether you are writing to the company first or escalating. As you fill in the dates, the tool shows when you can file and the last day to do it, flags what would get the complaint rejected (filing too early or too late, going through an advocate, a case already in court), and writes the complaint in the format the forum expects — the RBI Ombudsman’s own form, a complaint under rule 14 of the Insurance Ombudsman Rules, an appeal under regulation 9 of TRAI’s rules — plus text ready to paste into the official online portal.

Common uses

• A bank, NBFC or wallet that has not answered your complaint in 30 days.
• An insurer that rejected or cut a claim and upheld it on appeal.
• A broker or company that will not return your money or shares.
• An online order whose refund never arrived, a wrong telecom bill, an inflated electricity bill, or a social media account suspended without reason.

Which forum, and its conditions

• RBI Ombudsman (Reserve Bank – Integrated Ombudsman Scheme, 2026): banks, most NBFCs, non-bank wallets and credit information companies. Complain to the entity first; if it does not reply within 30 days (or a longer RBI, NPCI or card-network time) or its reply does not satisfy you, file within 90 days of that period ending or of its last reply, whichever is later. No limit on the amount in dispute; compensation up to Rs. 30 lakh for consequential loss and Rs. 3 lakh for time, expenses and harassment. No advocates, unless the advocate is the complainant. Free — cms.rbi.org.in, [email protected], toll-free 14448.
• Insurance Ombudsman (Insurance Ombudsman Rules, 2017): complain to the insurer first; if it rejects you, does not reply within one month, or replies unsatisfactorily, file within one year with the office for where you live or where the insurer’s office is. Awards up to the loss and at most Rs. 50 lakh. Free — cioins.co.in.
• SEBI SCORES: complain to the company or intermediary first, then lodge within one year of the cause of action; the entity answers within 21 days, with two reviews of 15 days each. scores.sebi.gov.in.
• E-commerce: the platform’s grievance officer must acknowledge within 48 hours and redress within one month (E-Commerce Rules r.4(5)); then the National Consumer Helpline (1915) and the Consumer Commission.
• Telecom: complain to the complaint centre (docket number by SMS); appeal to the Appellate Authority within 30 days after the time to resolve ends — up to three months with reasons — free of charge (TRAI regulations of 2012, reg. 9).
• Electricity: grievances go to the distribution company’s CGRF, and from there to the Electricity Ombudsman (Electricity Act s.42(5), (6)); each State Commission sets the time limits.
• Social media and apps: the grievance officer must acknowledge within 24 hours and resolve within 7 days (36 hours for most removal requests, 2 hours for intimate images); then the Grievance Appellate Committee within 30 days (IT Rules 2021 r.3(2), 3A).

What gets complaints rejected

• Skipping the company. Every forum here expects you to have complained to the company first and kept proof — the reference number, the e-mail, the stamped copy.
• Filing too early. The RBI Ombudsman, the Insurance Ombudsman and a telecom Appellate Authority give the company time to answer first: 30 days, one month, or the time to resolve.
• Filing too late. 90 days (RBI, after the waiting period), one year (insurance, SCORES), 30 days (telecom and GAC appeals). The Insurance Ombudsman can condone delay; a telecom Appellate Authority can accept an appeal up to three months with sufficient cause.
• Two forums at once. A matter already pending in a court, consumer commission or arbitration is not taken up (criminal cases and police investigations do not count for the RBI Ombudsman).
• Matters the forum does not handle — for example a bank’s commercial judgement, or unlisted companies on SCORES.

Sources

• Reserve Bank – Integrated Ombudsman Scheme, 2026 — cl. 3, 8, 10, 11, 14–17 and the Annex form · cms.rbi.org.in
• Insurance Ombudsman Rules, 2017 — rr. 13, 14, 16, 17 · offices
• SEBI circular on SCORES and the SCORES FAQs
• Consumer Protection (E-Commerce) Rules, 2020 and the Amendment Rules, 2026 — r.4(4), (5), r.5(3) · National Consumer Helpline
• Telecom Consumers Complaint Redressal Regulations, 2012 and amendments · TRAI FAQs · Appellate Authorities
• Electricity Act, 2003 — s.42(5)–(8)
• IT (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021 — r.3(2), 3A · Grievance Appellate Committee

Limitations

• A generic template, not legal advice. Each forum decides for itself whether your complaint is within its rules.
• Electricity: CGRF and Ombudsman procedures and time limits differ by State — check your State Commission’s regulations and enter the limit.
• Addresses of Insurance Ombudsman offices were read from cioins.co.in; check them before posting. Telecom Appellate Authorities are listed on trai.gov.in.
• It does not file anything. Some portals have their own fields and character limits — paste the text, then check it on the portal.

Privacy

Everything happens in your browser. Your details, account numbers and the facts of your complaint are not uploaded or stored by MySmartCoPilot. If you tick Keep a draft in this browser, the form is saved in this browser’s local storage until you untick it — leave it off on a shared computer.