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BANKING OMBUDSMAN AND ITS ROLE

  The Banking Ombudsman is an authority created by the Reserve Bank of India (RBI) to address customer grievances regarding banking services. It provides a cost-free, quick, and impartial resolution process for complaints against banks.  Customers can file complaints if they are dissatisfied with the services of a bank or have not received a satisfactory response from the bank within 30 days of lodging a complaint. Complaints given to Ombudsman Cover  -  Non-payment or delay in payment of cheques, drafts, or bills. Issues related to loans or advances. Non-adherence to fair practices code. Unauthorized debits or service charges. Complaints regarding internet banking or mobile banking. Delay in providing banking services. Unauthorized ATM withdrawals. Wrongful Charges. Ombudsman cannot accept complaints those are  handled by a court, tribunal, or arbitrator. Cases older than one year from the cause of action also do not entertained by Ombudsman.  How to File ...
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Different Departments/Wings in Bank

Banks have several wings through which banks do the operations and keep tracking and maintain checks and balances. Normal wings of banks are
1. Human Resource                                  2. General Administration
3. Priority Credit                                       4. MSME
5. Inspection                                             6. Corporate Credit
7. Vigilance                                               8. Transaction Banking
9. Financial Management                         10. Customer Service
11. Strategic Planning and Development   12. Risk Management
13. Integrated Treasury                            14. Department of Information Technology
15. Recovery

Although in abstract, banks have main departments like below -
Human Resource Department , Cash Department, Accounts Department, Loan/Advances Department, Investment department, Information Technology department and treasury department.

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