Write a letter to the manager of Axis Bank, Kolkata, complaining him/her about undue delay/rejection of loan approval.
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Answers
You can approach the RBI Banking Ombudsman to register a complaint under the following categories:
Non-payment or inordinate delay in the payment or collection of cheques, drafts, bills etc.
Non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose, and for charging of commission in respect thereof.
Non-acceptance, without sufficient cause, of coins tendered and for charging of commission in respect thereof.
Non-payment or delay in payment of inward remittances.
Failure to issue or delay in issue of drafts, pay orders or bankers’ cheques.
Non-adherence to prescribed working hours.
Failure to provide or delay in providing a banking facility (other than loans and advances) promised in writing by a bank or its direct selling agents.
Delays, non-credit of proceeds to parties’ accounts, non-payment of deposits or non-observance of the Reserve Bank directives, if any, applicable to rate of interest on deposits in any savings, current or other accounts maintained with a bank.
Complaints from Non-Resident Indians having accounts in India in relation to their remittances from abroad, deposits and other bank-related matters.
Refusal to open deposit accounts without any valid reason for refusal.
Levying of charges without adequate prior notice to the customer.
Non-adherence by the bank or its subsidiaries to the instructions of Reserve Bank on ATM/Debit Card operations or Credit Card operations.
Non-disbursement or delay in disbursement of pension (to the extent the grievance can be attributed to the action on the part of the bank concerned, but not with regard to its employees).
Refusal to accept or delay in accepting payment towards taxes, as required by Reserve Bank/Government.
Refusal to issue or delay in issuing, or failure to service or delay in servicing or redemption of Government securities.
Forced closure of deposit accounts without due notice or without sufficient reason.