RBI Grievance Redressal Directive: RBI ke Integrated Ombudsman Scheme ke mutabiq, sabhi banks ke liye mandatory hai ki ve customer complaints ko maximum 30 calendar days ke andar resolve karein. Agar is avadhi mein solution na mile ya complaint bina resolution ke close kar di jaye, toh aapko bina kisi fee ke RBI Ombudsman ke paas appeal karne ka poora adhikaar hai.
SBI Complaint Status Online Kaise Check Karein? (Official Portal)
Official portal sbi.co.in/web/customer-care par visit karein aur wahan "Grievance Redressal" section ke andar diye gaye "Track Complaint Status" link par click karein.
Complaint register karte waqt aapke registered mobile par aaye SMS mein 8 se 10 digit ka Ticket Number / Service Request (SR) No. hoga, usey yahan enter karein.
Apna registered mobile number daalein aur Captcha code enter karke "Send OTP" par click karein. Mobile par aaya 6-digit OTP submit karein.
Aapke screen par current status show hoga:
• Under Investigation / In Process: Bank team aapke mamle ki janch kar rahi hai.
• Resolved: Samasya solve ho chuki hai (remarks mein credit date ya resolution detail hoti hai).
• Closed / Rejected: Agar issue solve huye bina close hua hai, toh turant Escalation Guide follow karein.
SBI Complaint Status Messages Ka Matlab Kya Hai?
| Status Display | Asli Matlab | Aapko Kya Karna Chahiye? |
|---|---|---|
| Open / Registered | Complaint system me record ho gayi hai lekin abhi officer assign nahi hua. | Standard 48–72 ghante wait karein. |
| Under Process / In Investigation | Concerned branch ya technical team transaction log verify kar rahi hai. | Tatkal koi action na lein; timeline breach hone par hi call karein. |
| Information Awaited from Customer | Bank ko passbook copy, ATM slip ya dispute form chahiye. | Apne email/SMS check karein aur branch par document submit karein. |
| Closed - Resolved | Bank ne issue solve kar diya hai (e.g. paisa reverse kar diya). | Bank statement verify karein. Paisa na mila ho toh reopen karein. |
Complaint Ticket / Reference Number Kho Gaya? Kaise Recover Karein
Agar aapka SMS delete ho gaya hai aur aapke paas ticket number nahi hai, toh in tariko se pata karein:
- Old SMS Search: Apne phone ke Messages app mein jaakar "SBI CMS", "CRCF" ya "SBI TKT" search karein. Registration ke time bank hamesha SMS bhejta hai.
- Toll-Free Call Se Status: Apne registered mobile se 1800 1234 ya 1800 2100 dial karein. Phone banking officer ko apna account number verify karwayein aur pichhli registered complaint ka ticket number aur status mangein.
- Home Branch Grievance Desk: Apni branch par account number provide karke branch manager ya grievance officer se pichhli open complaint ki detail nikalwayi ja sakti hai.
SBI Complaint Resolution Timeline (Kitne Din Lagte Hain?)
- General Account/Branch Issues: 7 working days
- ATM Cash Not Dispensed / UPI Failures: 5 se 15 working days
- Online Transaction / Debit Card Disputes: 15 se 30 days
- Chargeback / Fraud / Unauthorized Transactions: 30 se 45 days
Agar 30 working days ke baad bhi status "In Process" hai, toh: SBI escalation & RBI Ombudsman guide follow karein.
💰 Delay Compensation (₹100/Day Rule Under RBI Guidelines)
Agar aapki complaint ATM Cash Dispensation ya Failed UPI/IMPS Transaction se judi hai, toh RBI ke Harmonisation of Turn Around Time (TAT) circular ke anusaar bank ko $T+5$ banking days ke andar auto-reversal karna hota hai. Agar bank is timeline ke baad paisa lautata hai, toh aapko bina kisi alag application ke ₹100 per day ka penalty compensation paane ka haq hai.
Status "Closed" Dikha Raha Hai Lekin Paisa Nahi Aaya?
Aksar bank technical reasons ya paperwork pending hone par ticket "Closed" mark kar dete hain. Aise case mein:
- Grievance portal par usi closed ticket par "Re-open / Disagree" ka option check karein.
- SBI ke Network Nodal Officer (NNO) ko purane ticket number aur bank statement ke proof ke saath email karein.
- Agar 30 din beet chuke hain, toh direct RBI CMS Portal par complain lodge karein.
SBI 3-Level Escalation Hierarchy
Agar status check karne par complaint par koi action na dikhe, toh in 3 levels par escalate karein:
- Level 1 (Branch / Branch Manager): Initial 7 to 10 days resolution window.
- Level 2 (Network Nodal Officer - NNO): Agar branch se samadhan na mile, toh apne Circle ke Nodal Officer ko likhein (Email format:
agmcustomer.[circlename]@sbi.co.in). - Level 3 (Principal Nodal Officer - PNO): General Manager, Customer Service Operations, SBI Corporate Centre, Mumbai (Email:
customercare@sbi.co.in). - External Appeal (RBI Banking Ombudsman): Agar 30 din me solution na mile, toh direct cms.rbi.org.in par appeal karein.
SBI Customer Care For Complaint Follow-up
Toll Free Helpline: 1800 1234 / 1800 2100 / 1800 425 3800
IVR Navigation: Language select karein → Complaints/Status ke liye 4 dabayein → Complaint Tracker select karein.
YONO App Se Complaint Status Check Karne Ka Tarika
Agar aap mobile par bina browser khole ya bina reference number dhoondhe apni complaint track karna chahte hain, toh YONO SBI app se direct status dekh sakte hain:
- YONO SBI app open karein aur MPIN/Password se login karein.
- Home screen ke bottom menu me "Service Request" par tap karein.
- Services list me se "Complaints" option select karein.
- "View Complaint Status" par tap karein.
Tip: Yahan aapke account se linked sabhi past aur active complaints ki list direct remarks ke sath dikh jaati hai bina kisi alag OTP verification ke.
Frequently Asked Questions (FAQ)
1. SBI complaint status check karne ka direct link kya hai?
SBI ka official portal sbi.co.in/web/customer-care hai jahan Grievance section se direct status check hota hai.
2. Complaint reference number kho gaya ho to kya karein?
Aap 1800 1234 par call karke apne registered mobile number aur account details se apna ticket number recover kar sakte hain.
3. Complaint resolve hone me kitna time lagta hai?
Normal issues 7 working days me solve hote hain, jabki complex financial transaction disputes me 15 se 30 din lag sakte hain.
4. Status "Closed" dikha raha hai par issue solve nahi hua?
Aisi sthiti me aapko SBI Nodal Officer ko pichhle reference number ke saath escalation bhejna chahiye ya RBI Ombudsman par file karein.
5. Kya complaint tracking ke liye Net Banking login zaroori hai?
Nahi, bina Net Banking login ke bhi SBI Grievance portal par sirf ticket number aur OTP se status track kiya ja sakta hai.
6. 30 din ke baad bhi status "In Process" ho toh kya karein?
Agar bank 30 din mein issue solve nahi karta, toh aap direct RBI Banking Ombudsman (cms.rbi.org.in) par appeal darj kar sakte hain.
7. Kya tracking portal par koi charge lagta hai?
Nahi, SBI ke official portal par complaint check ya register karne ka koi charge nahi hota.
8. SMS se real-time status pata chal sakta hai?
Bank status change hone par automated SMS bhejta hai, lekin real-time remark dekhne ke liye online portal sabse accurate hai.
Why Trust This Guide?
This guide is structured based on RBI's Master Directions on Customer Service and SBI's published Customer Grievance Redressal Policy. For account-specific details, always verify directly on official bank portals.