Loan Complaint Karna Hai? Yahan Se Shuru Karo.
Any RBI-registered NBFC or bank has a three-tier grievance process — Grievance Officer → Nodal Officer → RBI Banking Ombudsman. The Ombudsman service is free and binding. Here's how to use it.
Find the NBFC behind your loan
The loan app brand is often a DSA, not the actual lender. Search the legal NBFC name (from your loan agreement or disbursement bank statement) below. The result page has the verified GRO email, phone, and RBI Ombudsman escalation path.
Email the Grievance Redressal Officer
Once you've found the NBFC, the result page lists its Grievance Redressal Officer (GRO) with email and phone. Send a written complaint with:
- Loan account number and disbursement date
- A short, factual description of the issue
- Supporting screenshots, recordings, or documents
- What resolution you're asking for
Keep the email. RBI rules require the NBFC to acknowledge within 7 days and resolve within 30 days. If they don't, the timestamp on this email is your proof to escalate.
Escalate to the RBI Banking Ombudsman
If the NBFC doesn't resolve within 30 days, file with the RBI Banking Ombudsman — it's free, online, and the decision is binding on the NBFC.
RBI CMS Portal
cms.rbi.org.inYou'll need: the original complaint email + acknowledgement (or proof it was ignored), loan documents, and a brief summary. No lawyer required.
Need help with the paperwork?
Loan Kavach drafts the complaint email, the Ombudsman filing, and handles follow-ups with the NBFC's legal team on your behalf — for harassment, hidden fees, unauthorized debit, or recovery agent misconduct.
Get Loan Kavach support →GoCredit is not a lender or regulator. NBFC contact details are sourced from RBI public records; verify on the lender's official site before sending sensitive documents. The RBI Banking Ombudsman service is provided by the Reserve Bank of India and is free of charge.