RBI Integrated Ombudsman (आरबीआई एकीकृत लोकपाल)
The RBI Integrated Ombudsman is a free, formal escalation channel for complaints against banks and NBFCs, usable once you have complained to the lender and received no satisfactory reply within 30 days. You file online on RBI's complaint management portal, and its decisions bind the lender up to a compensation limit.
Worked example
You dispute a ₹1,180 charge not listed in your KFS; the lender's GRO does not resolve it in 30 days. You file at cms.rbi.org.in with the complaint reference, KFS screenshot and emails — it costs you nothing.