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29 Jul, 2024
By Online Legal India
Published On 06 Nov 2020
Updated On 06 Jan 2025
Category Consumer Complaint
The State Bank of India (SBI) is India’s one of the most reputed, oldest, and largest commercial banks and serves millions of customers across the country. The bank is also reputed for opening small kiosks to reach the customers of root-level customers. The bank reaches the people with their small and large loans for their small or large business establishment. Though it has the largest customer base and excellent support for the customers, consumers face some issues that make the bank dissatisfied. This raises a lot of consumer complaints against SBI.
However, to resolve the issues, SBI has some channels. You have to follow all those procedures before going for raising a consumer complaint against them. SBI and other banks have some customer resolution strategies. They have customer care services that take care of your issues. You have to keep records of every step so that you can show your proof to the designated authority of the consumer complaint forum. They always want proof of the fact that you have taken the initiative to resolve the issues through direct interaction with the bank authority directly or through customer care services.
Contact Customer Care Service:
If you face any issues related to money deduction, abnormal transition, money transaction issues, server down, and related issues faced on the application, business transaction, and so on. You should instantly call the customer care service to get a resolution to the issue. Surely they will take care of your issues. Today, problem resolution can be done through email or direct calls to customer care.
The toll-free number of SBI is 1800 1234. Follow the instructions of IVR (Interactive Voice Response). Suppose, you will get option 4 for “Loans, Deposits, Feedback & Complaints”; Press “6” for “FTC & Prepaid Card services”. Choose your desired option here. Contact customer care authority to inform them of your issue directly. According to their website, the service is available 24/7. Apart from the mentioned toll-free number, you can also contact 1800-2100, 1800-11-2211, 1800-425-3800 or 080-26599990.
For reporting Unauthorized Electronic transactions:
E-mail them at:
If the issue does not get resolved, what will you do then? You have to call the appellate authority of the SBI.
Appellate Authority
If customer care does not resolve the issue, you can contact the appellate authority of SBI customer service. They are the highest grievance resolution authority for solving SBI bank-related issues. Contact them. The Central Board of Reserve Bank is the appellate authority of the State Bank of India.
WhatsApp Banking
You can scan the QR code to get connected with the state bank WhatsApp banking and issue resolution service. Here you will get all banking-related services along with some minor issue resolution services.
Contact Directly with the Bank
If customer service of SBI bank cannot resolve the issues you are facing, you have to contact the branch of the bank directly where your personal bank account exists. Contact the customer point and then the manager of the bank. He has the authority and capability to resolve all the issues that you are facing except in some exceptional cases. So, if your complaint is legitimate, you can get a resolution from the manager.
If still the problem remains and it is not getting resolved, you can raise a consumer complaint to the right department.
When the bank authority as well as their customer care does not support your concern and neglects you, you can contact the consumer forum to get justice. The entire process will be discussed now. But before that, you have to learn what the common issues that the SBI customers face are. Here is a list of a few such issues.
SBI (State Bank of India) Customers May Face A Variety of Issues, Including:
What if SBI doesn’t resolve my complaint?
These issues may vary based on location and specific services used. If you face any issue that seems to have some monetary illegitimate dispute or time-consuming matter that hampers your comfort, and they have not been resolved even after frequent trials with them, you can raise a consumer complaint against them. Before processing the consumer complaint, you must keep in mind that in every step that you have taken to cooperate with them, they have not. Keep the records of every step you have taken. Phone call records (if possible), conversational records, email records, and similar other proof you have to keep handy. This proof is essential for further progress.
Mediation and Arbitration
Before raising the case to the consumer court or the Supreme Court, you can try mediation and arbitration. These two processes are mandatory today before approaching the court case. Through mediation and arbitration, the problem gets resolved out of the court in a friendly manner. The process is also faster than the court case and economical too.
If you want to raise a consumer complaint against SBI, you have to keep in mind the type of monetary dispute caused on their end and they have not provided any resolution. There are three consumer complaint departments for getting rid of the issue you are facing with SBI. They are:
The three types of consumer complaint departments in India are:
When should you raise an issue with all these consumer dispute Redressal commissions? Here is the explanation.
District Consumer Dispute Redressal Commission (DCDRC)
When the dispute amount is less than 50 lac, you have to raise the complaint against SBI to the district consumer dispute Redressal commission. They will provide the resolution in accordance with the Consumer Protection Act. You will get a fruitful resolution about the case.
State Consumer Dispute Redressal Commission (SCDRC)
When the disputed amount crosses 50 lac but less than 2 crores, you have to raise your concern to the State Consumer Dispute Redressal Commission (SCDRC).
National Consumer Disputes Redressal Commission (NCDRC)
The customer may have a disputed amount of 2 crore or more in some cases. In that matter, you have raised a complaint to the National Consumer Dispute Redressal Commission (NCDRC).
Supreme Court of India
If the issue is not resolved in all these three courts which are dedicated to consumer complaints resolution, you have to raise a complaint to the Supreme Court of India. They are the highest authority in India to resolve any type of consumer case. There is no other authority where you can get a resolution unless you get your desired resolution here.
Conclusion
If SBI does not resolve your complaint in time, does a long delay with no importance or you are suffering from a huge monetary issue for the negligence of SBI bank authorities, you can raise a consumer complaint to the consumer court. However, you can go to the Supreme Court if the consumer court does not resolve the issue. File a complaint against SBI through Online Legal India if you do not have any way out to get it resolved from the bank’s end.
Frequently Asked Questions:
How can I file a consumer complaint with SBI?
You can file a complaint with SBI by visiting their official website, using the SBI YONO app, or by sending an email to their customer care address. Additionally, complaints can be lodged in person at an SBI branch or through their customer care helpline number.
Who can raise a complaint against SBI?
Any consumer suffering from service deficiency or monetary issue with the SBI bank can raise a complaint to consumer forum.
Do I need any documents to file a complaint against SBI?
Yes, you have to keep the following documents handy:
How much does it cost to file a Consumer Complaint?
According to the disputed amount, the cost of the consumer complaint varies. You have to pay the court fees according to the law. If you hire any advocate, you have to pay for it. However, some dispute Redressal consultants may charge you differently. Be aware of them and their terms and conditions.
What type of issues can be reported in an SBI consumer complaint?
SBI consumer complaints can be related to issues such as:
What is the process to escalate an SBI complaint if unresolved?
If your complaint is not resolved within the specified time (usually 30 days), you can escalate it:
If no resolution is provided, you can approach the Banking Ombudsman or file a case with the Consumer Court.
How long does it take for SBI to resolve a consumer complaint?
SBI typically resolves complaints within 30 days from the date of filing. However, the time frame can vary based on the nature of the complaint and the complexity of the issue. If not resolved within this period, you can raise a consumer complaint case to the specific court mentioned before.
Can I seek compensation for the inconvenience or losses caused by SBI?
Yes, if you can prove that SBI's services caused financial loss or inconvenience, you may be entitled to compensation. This could be pursued through the Banking Ombudsman or consumer courts, depending on the severity of the issue.
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