Regulators: where to complain
The official bodies behind each ladder: what each one handles and how to reach it.
- Health insurance claim rejected: what to doHealth claim rejected or short-paid in India? Escalate in order: insurer grievance officer, IRDAI Bima Bharosa, Insurance Ombudsman. Deadlines, free letter.
- Insurance Ombudsman offices: which one covers your stateAll 18 Insurance Ombudsman centres in India: address, phone, email and areas covered, with a state-by-state lookup, copied from the official CIO site.
- How to file an RBI Ombudsman complaint on the CMS portalBank, NBFC or wallet complaint unresolved? Reach the RBI Ombudsman under the 2026 scheme: 30-day wait, 90-day window, CMS portal, email or post, and tracking.
- Complaint deadline calculator: when to escalate and the last date to fileFree complaint deadline calculator for India: when you can go to the Insurance Ombudsman or RBI Ombudsman, and the last date to file, from official rules.
- Consumer court complaint online on e-Jagriti (formerly e-Daakhil): step by stepFile a consumer court complaint online on e-Jagriti, which replaced e-Daakhil: which commission, fees (nil up to ₹5 lakh), the 2-year limit and each step.
- National Consumer Helpline (NCH 1915): how to complain and what happens nextFile a complaint with the National Consumer Helpline: call 1915 or 1800-11-4000, WhatsApp 8800001915, app or portal, get a docket number, and what comes next.
- CPGRAMS grievance: how to register, file, track status and appealFile a CPGRAMS grievance on pgportal.gov.in: register and log in, lodge it free, track status with your registration number, the 21-day target and the appeal.
- AirSewa complaint: how to complain against an airline in IndiaComplain against IndiGo, Air India or any airline: the airline's nodal officer and appellate authority, then AirSewa or CPGRAMS, and DGCA compensation rules.
The official bodies, in one place
| Body | What it handles | Where to start (official) |
|---|---|---|
| IRDAI (Insurance Regulatory and Development Authority of India) | Complaints about insurers and insurance intermediaries, after you have tried the insurer first | Bima Bharosa portal; toll-free 155255 or 1800 4254 732; complaints@irdai.gov.in (as published on the portal, checked 23 October 2026) |
| Insurance Ombudsman (Council for Insurance Ombudsmen) | Free dispute resolution for individual policyholders, claims up to the limit in the Rules | cioins.co.in |
| RBI Ombudsman (Reserve Bank - Integrated Ombudsman Scheme, 2026) | Service deficiency by banks, NBFCs, non-bank prepaid wallet issuers and credit information companies covered by the Scheme | cms.rbi.org.in; contact centre 14448; crpc@rbi.org.in (as published by RBI, checked 23 October 2026) |
More regulators guides are added regularly. See how we check facts.
Disclaimer. This page is general information to help you find the right official channel. It is not legal, financial or insurance advice, and it is not affiliated with any regulator, insurer, bank or company. Rules and contact details change, so always confirm with the official body before you act. Each guide links its official sources with the date we checked them. If your case is complex or the amount is large, talk to a qualified professional.