📢 Need Guidance on Filing Complaint with RBI Ombudsman (NSDL Payments Bank Account Closure Issue)

[rohit_]

Hello everyone,

I had submitted a request to close my NSDL Payments Bank account about a month ago by emailing all relevant documents (account closure form, PAN card with signature, alternate bank account passbook, etc.) to their official support emails: care@nsdlbank.co.in, nodalofficer@nsdlbank.co.in, and digihelpdesk@nsdlbank.co.in, and also raise closure request through their app.

Despite also sending a follow-up reminder recently, I’ve received no acknowledgment or resolution. It’s now nearly a full month without any response.

I’m planning to escalate this issue to the RBI Ombudsman and need guidance on the following:

1. I read online that as per RBI regulations, if a bank fails to resolve a grievance within 7 working days, the customer may be entitled to compensation (e.g., ₹100 per day). Can anyone confirm if this rule applies to account closure delays for payments banks like NSDL?
2. In the RBI CMS portal complaint form, there is a section:
   • “Compensation sought for dispute, if any (in Rupees)”
   • Also, another section mentions harassment or mental distress.

My questions:
✅ Should I enter the calculated compensation (e.g., ₹100/day after 7 working days) in that first section?
✅ Or should it go under the “Harassment compensation” section?
✅ How exactly should I calculate the amount — only count working days beyond T+7? Or is it okay to mention a round figure like ₹10,000 or ₹1 lakh based on delay and mental stress?

Any clarity on these RBI rules and how to present my claim properly in the complaint will be greatly appreciated.

Thanks in advance 🙏

 

[6ix9ine]

My questions:
✅ Should I enter the calculated compensation (e.g., ₹100/day after 7 working days) in that first section?

No, that's only for cases where there is a disputed amount. Since no money is involved in closing the account, you don't need to enter anything.

✅ Or should it go under the “Harassment compensation” section?

Yes, it will go here (if you want it)

Rest queries can be answered by others, as I’ve never had to involve RBIO in any case, so I can’t say for sure.

 

[rohit_]

No, that's only for cases where there is a disputed amount. Since no money is involved in closing the account, you don't need to enter anything.

Okay

Yes, it will go here (if you want it)

yes want it reason if ac not closed then again in june they charge approx rs. 6 like may

 

[6ix9ine]

Okay

yes want it reason if ac not closed then again in june they charge approx rs. 6 like may

Since you said it's been more than a month, they must've deducted ~6 in may too right? Then disputed amount mai ₹6 daldo bhai.

 

[rohit_]

Since you said it's been more than a month, they must've deducted ~6 in may too right? Then disputed amount mai ₹6 daldo bhai.

yes they deducted in may and if not then they also deduct in june

 

[6ix9ine]

yes they deducted in may and if not then they also deduct in june

Filfaal toh ₹6 hi dalo as we only have that on record 😅

 

[rohit_]

Filfaal toh ₹6 hi dalo as we only have that on record 😅

. haan .