Tell us when it happened, when you told the bank and what went wrong. You get how much of the loss is yours, the dates the bank has to meet, and the next step if it does not.
Who this is for
Anyone whose account, card or UPI was used without their approval, including small businesses with a current account.
What the free answer tells you
How much of the loss is yours under RBI's rules, the dates the bank must credit it back and resolve your complaint, and when the Ombudsman opens.
See an example, the time it takes and what comes after
Example
A savings account debited on 10 November 2026 and reported on 13 November 2026, three working days later, carries zero liability. The bank must credit the amount back by 26 November 2026 and resolve the complaint by 11 February 2027.
What you can get after
A follow-up letter to your bank that cites RBI's rules for your transaction date, with a sheet of your deadlines. The RBI Ombudsman itself is free.
How long it takes
About a minute. Two dates and two or three taps.
What happens next
Download the bank's deadlines to your calendar. Nothing you enter is stored.
BuildWright does documentation, filing and compliance facilitation. This tool works from the rules cited on this page and does not give legal advice. You complain to the bank and to the Ombudsman yourself; we prepare the papers. Banks set their own policy within these rules, so read yours as well. Complaint route checker.
Money gone from your account? We prepare the complaint to your bank and the RBI Ombudsman for you to file.