Banking Ombudsman Scheme, 2006

Q. What does the Banking Ombudsman Scheme (the Scheme) offer you?
The Banking Ombudsman Scheme, 2006 (which has been brought into force w.e.f 1st January 2006), offers you recourse for resolution of:

  • your complaints, by the Banking Ombudsman, against your bank, in respect of such services of the bank which are stipulated under the Scheme; and
  • resolution of claim of the bank against you, by the Banking Ombudsman (as an arbitrator), provided that the value of the claim in such dispute does not exceed Rs.10 lakhs ;

without affecting your right to go to court, in case you are not satisfied with the Award of the Banking Ombudsman, under the Scheme.

Q. How does Banking Ombudsman assume jurisdiction under the scheme?

  • Under the Scheme, the Banking Ombudsman assumes jurisdiction on receipt of complaints against a bank alleging deficiency in banking service for consideration and resolution of such complaints.
  • As an arbitrator, the Banking Ombudsman assumes jurisdiction on receipt of reference of a dispute (between a bank and its constituents or between a bank and another bank) with mutual consent of both the parties, for arbitration.

Q. What sort of disputes the Banking Ombudsman can consider in respect of deficiency in banking service? Banking Ombudsman is competent to receive and consider complaints of following nature;

  • non-payment/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-issue of drafts to customers and others;
  • non-adherence to prescribed working hours by branches;
  • failure to honour guarantee/letter of credit commitments by banks;
  • claims in respect of unauthorized or fraudulent withdrawals from deposit accounts, or fraudulent encashment of a cheque or a bank draft, etc;
  • complaints pertaining to the operations in any savings, current or any other account maintained with a bank, such as delays, non-credit of proceeds to parties' accounts, non-payment of deposit or non-observance of the Reserve Bank directives, if any, applicable to rate of interest on deposits;
  • complaints from exporters in India such as delays in receipt of export proceeds, handling of export bills, collection of bills, etc. provided the said complaints pertain to the bank's operations in India;
  • complaints from Non-Resident Indians having accounts in India in relation to their remittances from abroad, deposits and other bank-related matters;
  • complaints pertaining to refusal of open deposit accounts without any valid reason for refusal and
  • Any other matter relating to the violation of the directives issued by the Reserve Bank in relation to banking service.
  • Non-adherence by the bank or its subsidiaries to the instructions of Reserve Bank on credit card operations.
  • Non-adherence to the instructions of Reserve Bank on ATM / Debit Card and Prepaid Card operations in India by the bank or its subsidiaries
  • Non-adherence to Reserve Bank guidelines on para-banking activities like sale of insurance / mutual fund /other third party investment products by banks
  • Non-adherence to the instructions of Reserve Bank with regard to Mobile Banking / Electronic Banking service in India by the bank

Q. How does Banking Ombudsman function as an arbitrator?
Banking Ombudsman functions as an arbitrator in respect of any dispute (between a bank and its constituents)

Q. What do you do if you are still not satisfied with the response of the bank
Write to Us

Write to us at Standard Chartered Bank, Customer Care Unit, 19, Rajaji Salai, Chennai 600 001

If you are not satisfied with the response that you have received, you can write to:

Mr. Arun Kumar R
Principal Nodal Officer
Standard Chartered Bank
Customer Care Unit
19, Rajaji Salai,
Chennai 600 001.
Email Address: or You will receive a response within 5 working days.

You can also contact the office of our Principal Nodal Officer at 080 42896718 / 080 28089025 (Monday to Friday - 9:30 AM to 6:30 PM), except on national holidays.

If you are still not satisfied with the response or if you have not received a response from the bank within a month, you can file your complaint before the Banking Ombudsman. For more details on Banking Ombudsman Scheme request you to visit

Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.