Verified: 12 May 2026 05:30 am IST
Industry: Banking & Financial Services
Jurisdiction: India
Primary Regulator: Reserve Bank of India (RBI)
Important Safety Warning: Beware of the “KYC Update & Account Block Scam.” Scammers frequently buy ads on Google and Social Media displaying fake Bank of India customer care numbers. This is a scam. BOI staff will never ask for your BOI Mobile app password, Internet Banking login, ATM PIN, OTP, or request you to download screen-sharing apps (like AnyDesk) to process a refund or unblock an account.
Level 1: Customer Support (Initial Complaint)
How to complain: Register your complaint (failed ATM withdrawals, unauthorized digital transactions, or branch service issues) directly via the Customer Grievance Redressal portal on the official BOI website (bankofindia.bank.in). For immediate 24x7 telephonic assistance, call their primary centralized toll-free contact centers at 1800-103-1906 or 1800-220-229. You can also utilize their WhatsApp Banking at +91-7997987601 or email the central helpdesk directly at BOI.Callcentre@bankofindia.bank.in.
Availability: The toll-free IVR, digital portals, and WhatsApp desk operate 24x7. Branch banking hours are typically Monday to Friday 10:00 AM to 4:00 PM, and alternating Saturdays.
Timeline: Bank of India must acknowledge digital payment failure complaints immediately. According to their 2026 Grievance Redressal Policy, they aim to resolve standard Level 1 queries within 5 to 7 working days.
Level 2: Internal Escalation (Chief Grievance Redressal Officer)
Who to contact: If Level 1 support fails, your refund is stalled, or you receive an unsatisfactory resolution after 7 days, you must formally escalate. You must email the Chief Grievance Redressal Officer (CGRO) / Principal Nodal Officer directly at cgro.boi@bankofindia.bank.in. You must include your registered mobile number, Account Number, and your Level 1 Complaint Ticket Number. Written legal notices and formal grievances can be sent to their Corporate Headquarters (Bank of India Head Office, Star House, C-5, “G” Block, Bandra Kurla Complex, Bandra East, Mumbai, Maharashtra - 400051).
Timeline: Under RBI banking regulations, the internal grievance officers must acknowledge escalated disputes and provide a final, reasoned resolution within a maximum of 30 days from the initial date of the complaint.
Level 3: Regulatory Authority (RBI Integrated Ombudsman)
Authority: If the BOI Chief Grievance Redressal Officer rejects your claim, fails to provide a satisfactory resolution, or does not reply within 30 days of your initial complaint, you must escalate the matter to the banking regulator.
Portal/Contact: You must submit your grievance to the Reserve Bank of India under the Reserve Bank - Integrated Ombudsman Scheme (RB-IOS). Complaints must be filed through the centralized Complaint Management System (CMS) portal at cms.rbi.org.in. Alternatively, you can email your complaint to the central processing center at crpc@rbi.org.in.
Timeline: Grievances escalated to the RBI Ombudsman are investigated with a targeted resolution window of 30 to 60 days. The Ombudsman has the power to mandate compensation for actual financial loss and mental harassment.
Level 4: Legal Action (Final Step)
Pre-Litigation: Financial service deficiencies fall under the Consumer Protection Act. The RBI Ombudsman and the National Consumer Helpline (NCH - 1915) act as your final administrative mediation steps. Since Bank of India is a Public Sector Undertaking, you must also utilize the CPGRAMS portal (pgportal.gov.in) to flag the issue directly to the Department of Financial Services (Ministry of Finance).
Court/Arbitration: If you have suffered significant financial loss due to banking negligence or systemic failures that the Ombudsman could not fully resolve, you must file a formal complaint with the appropriate Consumer Disputes Redressal Commission using the newly integrated e-Jagriti portal (e-jagriti.gov.in).
Timeline: You must file the consumer case within two years from the date the cause of action (the financial service failure) occurred.
Community Action: Is Bank of India refusing to reverse a failed UPI transaction, or are you looking for the correct template to formally escalate a branch-level dispute to the Bandra Kurla Complex Headquarters? Reply below (do not share your passwords, bank details, or your exact Account Numbers), and our community will point you to the right resources!