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Dealing with Complaints


Complaints /Suggestion Box


Complaint Book /Register


Complaint Form


Analysis and Disclosure of Complaints –Disclosure of Complaints / Un-implemented awards of Banking Ombudsman along with financial results


Grievance Redressal Mechanism


Review of Grievances Redressal Machinery


Internal Machinery to Handle Customer Complaints/Grievances


Customer Service Committee of Board


Standing Committee on Customer Service


Customer Service & Grievance Redressal Cell


Nodal Officer and Other Designated Officials to Handle Complaints & Grievances.


Mandatory Display Requirements


Resolution of Grievances


Time Frame


Interaction with customers


Sensitizing Operating Staff on Handling Complaints


In the present scenario of competitive banking, excellence in customer service is the most important tool for sustained business growth. Customer complaints are part of the business life of any corporate entity. This is more so far banks, because banks are service organizations. As a service organization, customer service and customer satisfaction should be the prime concern of any bank. The bank believes that providing prompt and efficient service is essential not only to attract new customers, but also to retain the existing customer base. This policy document aims at minimizing instances of customer complaints and grievances through proper service delivery and review mechanism and to ensure prompt redressal of customer complaints and grievances. The review mechanism should help in identifying shortcomings in product features and service delivery. Customer dissatisfaction would spoil bank’s name and image. The bank’s policy on grievance redressal follows the under noted principles:

  • Customers be treated fairly at all times.
  • Complaints raised by customers are dealt with courtesy and on time.
  • Customers are fully informed of avenues to escalate their complaints/grievances within the organization and their rights to alternative remedy, if they are not fully satisfied with the response of the bank to their complaints.
  • Bank will treat all complaints efficiently and fairly as they can damage the bank’s reputation and business if handled otherwise.
  • The bank employees must work in good faith and without prejudice to the interests of the customer.

The policy document would be made available at all branches. The Complaint handling process and procedure is of general nature. It should therefore be made known to all employees to ensure better customer service and general awareness in the bank / branch.

The Customer complaint arises due to :

  1. The attitudinal aspects in dealing with customers.
  2. Inadequacy of the functions/arrangements made available to the customers or gaps in standards of services expected and actual services rendered.

The customer is having full right to register his complaint if he is not satisfied with the services provided by the bank. He can give his complaint in writing, orally or over telephone. If customer’ s complaint is not resolved within given time or if he is not satisfied with the solution provided by the bank, he can approach Banking Ombudsman with his complaint or other legal avenue available for grievance redressal.


2.1 Complaints/Suggestions Box

Complaints/suggestions box is provided at each branch of the Bank. Further, at every branch a notice requesting the customers to meet the branch manager is displayed regarding grievances, if the grievances remain unredressed.

2.2 Complaint Book/Register

Complaint book in IBA format with perforated copies in each set is introduced and so designed as to instantly provide an acknowledgement to the customers and intimation to the controlling office with the remark of the Branch Head within a time frame.

All branches should maintain a separate complaints register in the prescribed format given for entering all the complaints/grievances received by them directly or through RO/Head Office/Govt. These registers should be maintained irrespective of the fact whether a complaint is received or not in the past.

The complaints registers maintained by branches should be scrutinized by the concerned Regional Head during his periodical visit to the branches and his observations/comments recorded in the relative visit reports. Branches may adopt the aforesaid format and generate copies electronically.

2.3 Complaint Form

Further, a complaint form, along with the name of the nodal officer for complaint redressal, is provided in the homepage itself to facilitate complaint submission by customers. The complaint form indicates that the first point for redressal of complaints is the bank itself and that complainants may approach the Banking Ombudsman only if the complaint is not resolved at the bank level within a month. Similar information is displayed in the boards put up in the bank branches to indicate the name and address of the Banking Ombudsman. In addition, the name, address and telephone numbers of the controlling authority of the Bank (Nodal Officer) to whom complaints can be addressed is also given prominently.

2.4 Analysis and Disclosure of Complaints – Disclosure of Complaints/Un-implemented Awards of Banking Ombudsman along with Financial Results

Bank places a statement of complaints before the Board/Customer Service Committee along with an analysis of the complaints received. The complaints are analysed (i) to identify customer service areas in which the complaints are frequently received, (ii) to identify frequent sources of complaint, (iii) to identify systemic deficiencies and (iv) for initiating appropriate action, to make the grievance redressal mechanism more effective.

Bank also shall disclose the following brief details along with the financial results:

Customer Complaints:

No.of complaints pending at the beginning of the year.

No.of complaints received during the year.

No.of complaints redressed during the year.

No.of complaints pending at the end of the year.

Awards Passed by the Banking Ombudsman:

No.of un-implemented Awards at the beginning of the year.

No.of Awards passed by the Banking Ombudsman during the year.

No.of Awards implemented during the year

No.of un-implemented Awards at the end of the year.

Further, Bank shall also place a detailed statement of complaints and its analysis on web-site for information of the general public at the end of each financial year.

2.5 Grievance Redressal Mechanism

Bank shall ensure a suitable mechanism for receiving and addressing complaints from its customers/constituents with specific emphasis on resolving such complaints fairly and expeditiously regardless of source of the complaints.

Bank also shall:

  1. Ensure that the complaint register is kept at prominent place in the branches, which would make it possible for the customers to enter their complaints.

  2. Have a system of acknowledging the complaints, where the complaints are received through letters/forms.

  3. Fix a time frame for resolving the complaints received at different levels.

  4. Ensure that redressal of complaints emanating from rural areas and those relating to financial assistance to Priority Sector and Government’s Poverty Alleviation Programmes also form a part of the above process.

  5. Prominently display at the branches, the names of the officials who can be contacted for redressal of complaints, together with their direct telephone number, fax number, complete address (not Post Box No.) and e-mail address etc., for proper and timely contact by the customers and for enhancing the effectiveness of the redressal machinery.

  6. Ensure that complaints received through e-mail are redressed through e-mail only.

  7. Ensure that complaints on alleged bribery are investigated by officials from the Vigilance Department, Head Office.

Further, as stated above in Para 2.4 A & B, Bank shall disclose brief details regarding the number of complaints, along with the financial results. This statement will include all the complaints received at the Head Office/ Regional Office level and also the complaints received at the branch level. However, if the complaints are redressed within the next working day, bank will not include the same in the Statement of Complaints. This is expected to serve as an incentive to the bank and the branches to redress the complaints within the next working day.

Where the complaints are not redressed within one month, the concerned branch has to forward a copy of the same to the concerned Regional Head under the Banking Ombudsman Scheme and keep him updated regarding the status of the complaint. This would enable the Regional Head to deal with any reference received from the Banking Ombudsman regarding the complaint more effectively. Further, it is also necessary that the customer is made aware of his rights to approach the concerned Banking Ombudsman in case he is not satisfied with the Bank’s response. As such, in the final letter sent to the customer regarding redressal of the complaint, bank will indicate that the complainant can also approach the concerned Banking Ombudsman. The details of the concerned Banking Ombudsman will be included in the letter.

2.6 Review of Grievances Redressal Machinery:

Bank will critically examine on an on-going basis as to how Grievance Redressal Machinery is working and whether the same has been found to be effective in achieving improvement in customer service in different areas.

Bank will identify areas in which the number of complaints is large or on the increase and consider constituting special squads to look into complaints on the spot in branches against which there are frequent complaints.

Bank may consider shifting the managers/officers of branches having large number of complaints to other branches/regional offices/departments at Head Office where contact with public may be relatively infrequent.

In cases where the contention of the complainant has not been accepted, a complete reply is given to him to the extent possible.

Grievances/complaints relating to congestion in the banking premises is examined by the bank’s internal inspectors/auditors on a continuing basis and action taken for augmentation of space, whenever necessary, keeping in view the availability of larger accommodation in the same locality at a reasonable rent and other commercial considerations.


3.1 Customer Service Committee of Board

The committee would formulate a Comprehensive Deposit Policy incorporating the issues such as the treatment of death of a depositor for operations of his account, the product approval process and the annual survey of depositor satisfaction and the tri-enniel audit of such services. The Board would also examine any other issues having a bearing on the quality of customer service rendered & review the functioning of Standing Committee on Customer Service.

3.2 Standing Committee on Customer Service

The Standing Committee on Customer Service will be chaired by the Managing Director of the bank. Besides Chief General Manager, General Manager, three senior executives of the bank, the committee would also have two or three eminent persons drawn from the public as members. The committee would have the following functions.

  • Evaluate feed-back on quality of customer service received from various quarters. The committee would also review comments/feed-back on customer service and implementation of commitments in the Code of Bank’s Commitments to Customers received from BCSBI.

  • The Committee would be responsible to ensure that all regulatory instructions regarding customer service are followed by the bank. Towards this, the committee would obtain necessary feed-back from regional heads / functional heads.

  • The Committee also would consider unresolved complaints/grievances referred to it by functional heads responsible for redressal and offer its advice.

  • The Committee would submit report on its performance to the Customer service committee of the Board at regular intervals.

3.3 Customer Service & Grievance Redressal Cell:

A dedicated Customer Service & Grievance Redressal Cell under the Planning & Development Department will attend to matters/issues relating to Customer Grievance or Service.

3.4 Nodal Officer and Other Designated Officials to Handle Complaints and Grievances

Assistant General Manager, Planning & Development is designated as Nodal Officer who will look after the implementation of customer service and complaint handling for the entire bank. The bank may also appoint /designate Quality Assurance Officer at Regional offices to handle complaints / grievances in respect of branches falling under their control.

3.5 Mandatory Display Requirements

Every branch of the bank is provided with information as to:

  • Appropriate arrangements for receiving complaints and suggestions.
  • The name, address and contact number of Nodal Officer.
  • Contact details of Banking Ombudsman of the area.
  • Code of bank’s commitments to customer/Fair Practice code.

3.6 Resolution of Grievances

Branch Head is responsible for the resolution of complaints/grievances in respect of customer’s service by the branch. He would be responsible for ensuring closure of all complaints received at the branches. It is his foremost duty to see that the complaint should be resolved completely to the customer’s satisfaction. When an issue remains unresolved after expiry of the stipulated period and if the customer is not satisfied, then he should be provided with alternate avenues to escalate the issue. If the Branch Head feels that it is not possible at his level to solve the problem he can refer the case to Regional Office for guidance. Similarly, if Regional Office finds that they are not able to solve the problem, such cases may be referred to Head Office.

3.7 Time Frame

Complaint has to be seen in the right perspective because they indirectly reveal a weak spot in the working of the bank. Complaint received should be analyzed from all possible angles. If customer’s complaint is not resolved within one week the same shall be referred by the branch to the respective Regional Office for redressal within two weeks. If the customer still feels unsatisfied, he can refer the matter to Head Office. Such complaints will be disposed off within 3 weeks. Even after one month if the complainant is not satisfied, he may approach Banking Ombudsman appointed by Reserve Bank of India or other legal avenues available for grievance redressal. Branch Head should try to resolve the complaint within the specified time frame of one month.

Communication of bank’s stand on any issue to the customer is a vital requirement. Complaints received, which would require some time for examination of issues involved, should invariably be acknowledged promptly. Branch and Regional Office must send Action Taken Report on complaints received to the Head Office at the end of every month. Specific time frame to acknowledgement and redressal of complaints has been stipulated at paragraph 7.1 of the Code of Bank’s Commitment to Customers made available to the customers.

3.8 Interaction with Customers

The bank recognizes that customers’ expectation/requirement/ grievances can be better appreciated through personal interaction with customers by bank’s staff. Structured customer meets, say once a month will give a message to the customers that the bank cares for them and values their feedback/suggestions for improvement in customer service. Many of the complaints arise on account of lack of awareness among customers about bank services and such interactions will help the customers appreciate banking services better. As for the bank, the feedback from customers would be valuable input for revising its product and services to meet customers’ requirements.

3.9 Sensitizing Operating Staff On Handling Complaints

Staff should be properly trained for handling complaints. Bank is dealing with people and hence difference of opinion in areas of friction can arise. With an open mind and a smile on the face, Bank should be able to win the customers’ confidence. It would be the responsibility of the Nodal Officer to ensure that internal machinery for handling complaints/grievances operates smoothly and efficiently at all levels. He should give feedback on training needs of staff at various levels to the HR& IR Department.

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