The SBI Complaint Online facility allows State Bank of India customers to lodge and track complaints relating to accounts, UPI, debit cards, ATM transactions, Internet Banking, YONO, loans, deposits, branch services and other eligible banking services.
SBI has introduced the Complaint Resolution Hub (CRH) as its newer customer-resolution platform. The Bank describes CRH as a one-stop solution for Query, Request, Complaint and Feedback, replacing or revamping the earlier CRCF complaint-resolution journey.
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| Lodge an SBI complaint through the official Complaint Resolution Hub, track its status and escalate unresolved issues through the proper channels. |
After a complaint is registered, the customer should preserve the complaint or ticket number because it can be used for status tracking, follow-up and escalation.
Table of Contents
- SBI Complaint: Quick Information
- What Is SBI Complaint Resolution Hub?
- Old CRCF vs New CRH
- Query vs Request vs Complaint vs Feedback
- How to Lodge SBI Complaint Online
- Details to Keep Ready
- How to Describe the Problem Correctly
- Documents and Screenshots
- SBI Complaint Number
- How to Track SBI Complaint Status
- Tracking through YONO and WhatsApp
- Complaint Status through SMS
- SMS UNHAPPY Service
- Complaint through SBI Contact Centre
- Complaint through Email
- Complaint at an SBI Branch
- SBI Complaint Resolution Timeline
- Digital Transaction Complaints
- SBI UPI Complaint
- ATM and Debit Card Complaint
- Net Banking and YONO Complaint
- Unauthorised Transaction – Urgent Action
- How to Escalate an SBI Complaint
- Network Nodal Officer
- Principal Nodal Officer
- What Is SBI Internal Ombudsman?
- When to Approach RBI Ombudsman
- RBI Integrated Ombudsman Scheme 2026
- How to File RBI Ombudsman Complaint
- RBI Ombudsman Filing Deadline
- RBI Ombudsman Compensation
- Complaint Closed but Issue Not Resolved
- Common Problems and Solutions
- Complaint Security Tips
- Frequently Asked Questions
- Official Sources
- Final Summary
SBI Complaint Online: Quick Information
| Current SBI complaint portal | Complaint Resolution Hub (CRH) |
|---|---|
| Official CRH URL | https://crh.sbi.bank.in/ |
| Main CRH functions | Query, Request, Complaint and Feedback |
| SMS UNHAPPY | UNHAPPY to 8008202020 |
| Contact Centre | 1800 1234 / 1800 2100 / 1800 11 2211 / 1800 425 3800 |
| Other SBI contact number | 080-26599990 |
| General complaint acknowledgement | Within 3 working days |
| General redressal target | Maximum 20 calendar days |
| Final decision | Within 30 calendar days |
| RBI complaint portal | https://cms.rbi.org.in/ |
| Current RBI Ombudsman Scheme | Reserve Bank – Integrated Ombudsman Scheme, 2026 |
What Is SBI Complaint Resolution Hub?
The Complaint Resolution Hub, or CRH, is SBI's newer digital customer-resolution platform.
SBI states that the platform was developed by revamping the earlier complaint-resolution portal and integrating digital channels into a single solution.
CRH is intended to support customer journeys involving:
- Queries
- Service requests
- Complaints
- Feedback
The exact menus, categories and verification fields shown on CRH can change as SBI updates the platform.
Old SBI CRCF vs New CRH
Older SBI pages, screenshots and search results may still refer to terms such as:
- CRCF
- Customer Request and Complaint Form
- CRM-CMS
- Customer Complaint Form
SBI's FY 2025-26 reporting states that the existing complaint-resolution portal was revamped into the Complaint Resolution Hub (CRH).
Therefore, customers looking for the current online complaint journey should begin with:
Do not use a third-party website merely because it uses an old SBI complaint-form name.
Query vs Request vs Complaint vs Feedback
| Type | When to use it |
|---|---|
| Query | When information or clarification is required. |
| Request | When asking SBI to perform an eligible banking or service action. |
| Complaint | When there is a deficiency, error, delay, failed service or unresolved banking issue. |
| Feedback | For comments about a completed service or customer experience. |
Choosing the correct type can help the issue reach the appropriate SBI resolution team.
How to Lodge an SBI Complaint Online through CRH
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| Open the official SBI CRH portal, choose the complaint journey, enter the required details and save the complaint number after submission. |
The general process is:
- Open the official SBI Complaint Resolution Hub.
- Confirm that the address begins with https://crh.sbi.bank.in/.
- Select Complaint or the appropriate customer journey shown by the portal.
- Select the banking product or service connected with the issue.
- Enter the customer/account identification requested by SBI.
- Complete mobile or OTP verification where required.
- Select the complaint category and sub-category.
- Enter the transaction or service details.
- Describe exactly what went wrong.
- Attach supporting records where the current form allows uploads.
- Review the information before submission.
- Submit the complaint.
- Save the complaint or ticket number.
The exact fields can vary according to the complaint category.
Details to Keep Ready before Lodging the Complaint
Depending on the issue, keep ready:
- Registered mobile number
- Account type
- Masked or required account information
- Branch name or branch code
- Date of the incident
- Transaction amount
- UPI transaction reference
- ATM transaction reference
- Cheque number
- Debit-card ending digits
- Loan or deposit account reference
- Previous complaint number
- Error message
- Relevant screenshot or receipt
Never attach a document showing an OTP, PIN or password.
How to Describe an SBI Complaint Correctly
Keep the description factual and chronological.
A useful complaint should explain:
- What service you were trying to use.
- What happened.
- Date and approximate time.
- Amount involved, if any.
- Transaction or reference number.
- What action you already took.
- What resolution you are requesting from SBI.
Example Structure
My SBI account was debited for a UPI transaction, but the beneficiary was not credited. The transaction remains unresolved and no reversal is visible. Please verify the transaction and arrange the applicable reversal or resolution.
Do not include unnecessary Aadhaar numbers, complete card numbers, OTPs or passwords.
Documents and Screenshots for an SBI Complaint
Useful supporting records can include:
- Transaction receipt
- UPI transaction-history screenshot
- ATM receipt
- Account-statement entry
- Merchant refund reference
- Cheque information
- Branch acknowledgement
- Previous SBI email
- Error-screen screenshot
Mask unrelated account information wherever possible.
What Is the SBI Complaint Number?
After a formal complaint is registered, SBI provides a unique complaint or ticket number.
This number is important for:
- Checking complaint status
- Calling the Contact Centre
- Escalating the issue
- Writing to a Nodal Officer
- Showing that SBI was first approached before an RBI Ombudsman complaint
Store the number until the issue is completely resolved.
How to Track SBI Complaint Status
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| Use the SBI complaint number to track the latest status through CRH and other official SBI complaint-tracking channels. |
Use the complaint number generated during registration.
Depending on the current channel, status may be checked through:
- SBI Complaint Resolution Hub
- SBI Contact Centre
- YONO / YONO Net Banking complaint tracking
- SBI WhatsApp Banking complaint tracking where available
- Complaint-status SMS facility
If a CRH status page asks for authentication, enter details only on the official SBI domain.
SBI Complaint Tracking through YONO and WhatsApp
SBI has reported the introduction of in-app complaint tracking through its digital channels, including YONO Net Banking and WhatsApp Banking.
The current menu path can change.
In general:
- Login or authenticate through the official SBI channel.
- Open Customer Care, Complaints or the available service section.
- Select complaint tracking.
- Enter or select the complaint number.
- Review the current status.
Check SBI Complaint Status through SMS
SBI's public grievance-contact information currently lists 567676 as the number used for complaint-status SMS.
Because the exact SMS format can vary according to complaint type, use the format communicated in SBI's complaint acknowledgement or current official instructions rather than guessing a keyword.
Premium SMS charges may apply to six-digit SMS numbers according to the mobile operator and SBI's published SMS-service information.
SBI SMS UNHAPPY Service
Customers dissatisfied with SBI service can send:
UNHAPPY
to:
8008202020
SBI lists SMS UNHAPPY as a grievance channel.
After the SMS, SBI may contact the customer to obtain further details regarding the service issue.
Keep the registered mobile number available for follow-up.
Lodge or Follow Up an SBI Complaint through Contact Centre
Current SBI Contact Centre numbers include:
- 1800 1234
- 1800 2100
- 1800 11 2211
- 1800 425 3800
- 080-26599990 – toll number
Keep the complaint number or relevant transaction reference ready.
Do not disclose your OTP, ATM PIN, UPI PIN, YONO MPIN, Internet Banking password or CVV to an agent.
SBI Complaint through Email
SBI's current Contact Us page lists general customer-care email channels including:
- customercare@sbi.co.in
- contactcentre@sbi.co.in
For general escalation, the current SBI Contact Us information also lists:
gm.customer@sbi.co.in
When emailing, include:
- Complaint number
- Customer name
- Branch or service involved
- Issue summary
- Date and transaction reference
- Previous action taken
- Requested resolution
Never send confidential banking passwords or PINs by email.
How to Lodge a Complaint at an SBI Branch
For branch-related issues, first approach:
- Service Manager
- Customer Relations Executive where available
- Branch Manager
SBI's 2026 grievance policy also provides for a complaint book at branches.
If lodging a written complaint:
- Explain the issue clearly.
- Submit the complaint at the branch.
- Request acknowledgement.
- Keep the acknowledged copy.
- Check for the complaint number sent by SMS or email.
The Bank's policy states that a branch complaint entered in the complaint book is to be entered into its complaint-management system and the complaint number communicated to the customer.
How Long Does SBI Take to Resolve a Complaint?
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| SBI complaints generally follow defined acknowledgement, resolution and final-decision timelines, with escalation available when the issue remains unresolved. |
Under SBI's 2026 Customer Rights, Grievance Redressal and Compensation Policy:
- Formal complaints should be acknowledged within 3 working days.
- The Bank should work to resolve the grievance within a maximum of 20 calendar days.
- A final decision should be communicated within 30 calendar days.
The 30-day period includes examination of complaints that are partly or fully rejected and require Internal Ombudsman review.
Some digital-payment or card complaints have separate timelines prescribed under RBI, NPCI or card-network rules.
SBI Digital Transaction Complaints
Digital complaints can relate to:
- ATM
- Debit card
- POS
- E-commerce transactions
- Internet Banking
- Mobile Banking
- UPI
- YONO SBI
- AePS
These complaints may be subject to specialised turnaround times and payment-system rules.
How to Lodge an SBI UPI Complaint
For a specific UPI transaction, using the dispute option against that exact transaction is usually best.
The general YONO process is:
- Open YONO SBI.
- Go to UPI.
- Open Transaction History.
- Select the affected transaction.
- Select Raise a Complaint.
- Choose the appropriate issue.
- Submit the complaint.
- Save the reference number.
For detailed refund and failed-payment guidance, read: SBI UPI Failed, Pending & Refund Guide .
SBI ATM and Debit Card Complaints
Examples include:
- ATM cash not received but account debited
- Wrong debit amount
- Card retained by ATM
- Unknown card transaction
- Debit-card replacement issue
- Card dispatch issue
For a lost or compromised card, block the card immediately rather than waiting for complaint resolution.
See: SBI Debit Card Block & Unblock Guide .
SBI Net Banking and YONO Complaints
Common issues include:
- Login failure
- Account not visible
- Beneficiary problem
- Failed transfer
- OTP issue
- Incorrect transaction status
- Service request not processed
For login recovery, read: Online SBI Net Banking Login Guide .
Unauthorised SBI Transaction – Urgent Action
Do not use an ordinary complaint journey as the only action when an unauthorised electronic transaction is occurring.
SBI currently lists these channels for reporting unauthorised electronic transactions:
- 1800 11 1109
- 94491 12211
- 080-26599990
For financial cyber fraud, the Government's national cybercrime helpline is:
1930
Recommended order:
- Block the affected card, UPI or digital access where necessary.
- Contact SBI immediately.
- Report the unauthorised transaction.
- Call 1930 for financial cyber fraud.
- Use the official cybercrime reporting portal where applicable.
- Preserve transaction details and evidence.
How to Escalate an Unresolved SBI Complaint
If the first-level resolution is unsatisfactory, keep the original complaint number and escalate rather than continuously creating unrelated duplicate complaints.
A practical escalation path is:
- Branch / original complaint-resolution channel
- Regional Business Office or relevant administrative office
- Local Head Office / Network Nodal Officer
- Principal Nodal Officer at SBI Corporate Centre
- RBI Ombudsman where the current eligibility conditions are met
Always quote the original complaint number.
What Is the SBI Network Nodal Officer?
SBI's 2026 grievance policy states that the Nodal Officer at a Local Head Office is the respective General Manager (Network).
The Network Nodal Officer monitors implementation of the grievance-redressal mechanism in branches under the Network.
SBI publishes contact details for grievance cells and Network Nodal Officers on its official website.
SBI Principal Nodal Officer
SBI's 2026 grievance policy identifies the Principal Nodal Officer for customer grievance redressal at Corporate Centre, Mumbai as the:
General Manager (Customer Experience), Customer Experience Enhancement Department
Customers escalating a grievance should quote the existing complaint number.
Use the latest contact particulars displayed on SBI's official Customer Care pages rather than copying an old postal or email address from an outdated article.
What Is the SBI Internal Ombudsman?
The Internal Ombudsman is part of SBI's internal complaint-review mechanism.
SBI's current policy states that one or more Internal Ombudsmen or Deputy Internal Ombudsmen review complaints that are partly resolved or fully rejected in accordance with RBI's Internal Ombudsman Directions, 2026.
The Internal Ombudsman is not the same as the RBI Ombudsman.
| SBI Internal Ombudsman | RBI Ombudsman |
|---|---|
| Part of the Bank's internal grievance-review mechanism | Independent grievance mechanism operated by RBI |
| Reviews eligible partly resolved / rejected complaints internally | Customer files a complaint after meeting RB-IOS eligibility conditions |
| Customer generally does not separately file directly with the Internal Ombudsman | Customer can file through RBI CMS, email or physical mode |
When Can You Approach the RBI Ombudsman?
The current RBI rules require the customer to first approach SBI.
Under the Reserve Bank – Integrated Ombudsman Scheme, 2026, an RBI complaint can generally be filed when:
- SBI has not replied within 30 days or within a longer applicable RBI, NPCI or Card Network timeline; or
- SBI has replied, but the customer is not satisfied with the response or resolution.
Do not file directly with the RBI Ombudsman before first lodging the complaint with SBI.
Reserve Bank – Integrated Ombudsman Scheme, 2026
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| Eligible unresolved SBI complaints can be escalated to the RBI Ombudsman under the Integrated Ombudsman Scheme, 2026 after first approaching SBI. |
The Reserve Bank – Integrated Ombudsman Scheme, 2026 came into force on July 1, 2026.
It replaced the Reserve Bank – Integrated Ombudsman Scheme, 2021 for new complaints covered by the new scheme.
Important features include:
- Cost-free grievance redressal
- One central online complaint portal
- Jurisdiction-neutral handling
- Online complaint-status tracking
- Settlement and conciliation
- Awards in eligible cases
- Compensation within prescribed limits
Old articles that continue to describe only the 2021 Ombudsman Scheme are no longer fully current for complaints lodged after July 1, 2026.
How to File a Complaint with RBI Ombudsman
Online
Use RBI's official Complaint Management System:
The current RBI Ombudsman FAQ lists:
crpc@rbi.org.in
Physical Complaint
A signed complaint with supporting documents can be sent to the RBI's Centralised Receipt and Processing Centre at the address specified in the current RB-IOS instructions.
Keep Ready
- Name and contact details
- SBI branch/service details
- SBI complaint number
- Date the complaint was first lodged with SBI
- Copy of SBI's reply, if received
- Account/card/loan/transaction information relevant to the dispute
- Transaction reference
- Supporting documents
- Relief requested
RBI Ombudsman Complaint Filing Deadline – 2026 Rule
Under RB-IOS 2026, the complaint generally must be filed with the RBI Ombudsman within 90 days from:
- the date on which the applicable SBI response timeline expires; or
- the date of the last communication from SBI,
whichever is later.
The complaint must also satisfy the other maintainability and limitation requirements under the current scheme.
Can the RBI Ombudsman Award Compensation?
Yes, in eligible cases.
Under the current 2026 scheme:
- There is no monetary ceiling on the amount involved in the underlying dispute for bringing the complaint before the Ombudsman.
- The RBI Ombudsman may provide compensation of up to ₹30 lakh for consequential loss, subject to the Scheme.
- Additional compensation of up to ₹3 lakh may be provided for loss of time, expenses, harassment or mental anguish in eligible cases.
Compensation is not automatic merely because a complaint has been filed.
SBI Complaint Closed but Problem Is Not Resolved
Do the following:
- Read the closure message carefully.
- Check whether SBI has provided a reason for closure.
- Compare the reply with your original complaint.
- Preserve the complaint number.
- Provide feedback or reopen/escalate where the current SBI channel permits it.
- Escalate to the appropriate Nodal Officer if required.
- Approach the RBI Ombudsman when the 2026 eligibility conditions are satisfied.
Do not delete the closure email or SMS because it may be required when escalating to RBI.
Common SBI Complaint Problems and Solutions
| Problem | What to do |
|---|---|
| CRH page not loading | Try again through the official URL, another updated browser or use Contact Centre temporarily. |
| OTP not received | Check registered mobile, network and SMS availability. |
| Cannot find correct category | Choose the closest product/service category and explain the exact issue in the complaint description. |
| No complaint number received | Confirm whether submission succeeded and check registered SMS/email before submitting another complaint. |
| Complaint status not changing | Follow up using the same ticket number rather than creating repeated duplicate complaints. |
| Complaint closed without satisfactory solution | Escalate using the ticket number and consider RBI Ombudsman when eligible. |
| UPI complaint | Raise dispute against the exact transaction through the UPI transaction-history screen. |
| Unauthorised transaction | Report immediately through SBI's fraud channels and 1930; do not wait for the normal complaint timeline. |
| RBI complaint rejected as premature | Confirm that SBI was approached first and the applicable waiting period or unsatisfactory response condition was met. |
SBI Complaint Security Tips
- Use only https://crh.sbi.bank.in/ for the official CRH journey.
- Never disclose OTP, ATM PIN, UPI PIN or CVV in a complaint.
- Do not upload an unmasked debit-card image.
- Do not send Internet Banking passwords by email.
- Keep the complaint number private where possible.
- Do not pay an agent to file an SBI or RBI Ombudsman complaint.
- RBI Ombudsman complaints are free.
- Do not install remote-access software for complaint assistance.
- Do not click complaint-status links sent by unknown numbers.
- For fraud, use SBI's official emergency channels immediately.
Frequently Asked Questions
What is the current SBI online complaint portal?
The current SBI Complaint Resolution Hub is https://crh.sbi.bank.in/.
What happened to SBI CRCF?
SBI states that its earlier complaint-resolution portal was revamped into the Complaint Resolution Hub, or CRH.
What can SBI CRH be used for?
SBI describes CRH as a one-stop solution for Query, Request, Complaint and Feedback journeys.
How do I lodge an SBI complaint online?
Open CRH, choose the appropriate complaint journey, provide the required details, describe the issue and submit it. Save the complaint number.
How can I track my SBI complaint?
Use the complaint number through the available CRH, Contact Centre, YONO or other SBI complaint-tracking channel.
What is the SBI SMS UNHAPPY number?
Send UNHAPPY to 8008202020.
What is SBI's complaint-status SMS number?
SBI's grievance-contact page currently lists 567676. Follow the complaint-specific SMS format provided by SBI.
What are SBI customer-care numbers?
Current numbers include 1800 1234, 1800 2100, 1800 11 2211, 1800 425 3800 and 080-26599990.
How quickly should SBI acknowledge a formal complaint?
SBI's 2026 policy states that formal complaints should generally be acknowledged within three working days.
How long does SBI have to resolve a complaint?
The general policy provides for redressal within a maximum of 20 calendar days and a final decision within 30 calendar days, although certain digital complaints have separate timelines.
What is an SBI Internal Ombudsman?
It is an internal independent review mechanism for eligible partly resolved or rejected complaints. It is different from the RBI Ombudsman.
Can I directly complain to SBI Internal Ombudsman?
The Internal Ombudsman is primarily part of the Bank's internal review mechanism rather than a normal first-level customer complaint channel.
What is the current RBI Ombudsman Scheme?
The Reserve Bank – Integrated Ombudsman Scheme, 2026 has been effective since July 1, 2026.
Did the 2026 Ombudsman Scheme replace the 2021 scheme?
Yes, for complaints governed by the new scheme from July 1, 2026. Older complaints and proceedings may continue under the earlier framework as specified by RBI.
When can I approach the RBI Ombudsman against SBI?
First complain to SBI. You can generally approach RBI if no reply is received within the applicable period or if you are dissatisfied with SBI's reply.
Do I always have to wait 30 days before going to RBI?
No. If SBI has already provided a reply or resolution and you are dissatisfied, the current scheme can allow an RBI complaint without waiting for the entire 30 days. Some payment-system complaints also have specific applicable timelines.
What is the RBI Ombudsman complaint website?
Use https://cms.rbi.org.in/.
Is RBI Ombudsman complaint free?
Yes. RBI states that the process is free of charge.
What is the RBI Ombudsman filing deadline in 2026?
The current scheme generally requires filing within 90 days from the expiry of the applicable response timeline or SBI's last communication, whichever is later, subject to the other Scheme conditions.
Can RBI Ombudsman award compensation?
Yes, within the limits and conditions prescribed under the current scheme.
What if an SBI complaint is closed but I am still not satisfied?
Preserve the complaint number, escalate through SBI's grievance hierarchy and approach the RBI Ombudsman when the current eligibility conditions are met.
What should I do for an unauthorised transaction?
Report it to SBI immediately and use the financial cyber-fraud helpline 1930 where applicable. Do not wait for ordinary complaint processing.
Official Sources Checked
- SBI Complaint Resolution Hub
- SBI Customer Service Policies
- SBI Contact Us
- SBI Grievance Cells and Nodal Officers
- RBI Complaint Management System
- Reserve Bank of India
Final Summary
SBI customers can lodge online grievances through the current Complaint Resolution Hub at https://crh.sbi.bank.in/.
CRH is SBI's newer integrated solution for Query, Request, Complaint and Feedback journeys and replaces the older complaint-portal experience.
Save the unique complaint number because it is required for tracking, follow-up and escalation.
SBI's general 2026 grievance policy provides for acknowledgement within three working days, redressal within a maximum of 20 calendar days and final decision within 30 calendar days, while certain digital complaints follow separately prescribed timelines.
Customers can also use SBI Contact Centre, SMS UNHAPPY to 8008202020, branch complaint channels and designated customer-care email addresses.
Partly resolved or rejected complaints can be reviewed within SBI through its Internal Ombudsman mechanism. The Internal Ombudsman should not be confused with the RBI Ombudsman.
The Reserve Bank – Integrated Ombudsman Scheme, 2026 has been effective from July 1, 2026. A customer must first complain to SBI and can approach RBI when the current eligibility conditions are met.
RBI Ombudsman complaints can be filed free of charge through https://cms.rbi.org.in/. Under the 2026 scheme, the filing deadline is generally 90 days from the expiry of the applicable SBI response timeline or SBI's last communication, whichever is later.
For unauthorised electronic transactions or cyber fraud, do not wait for normal complaint resolution. Contact SBI immediately and use the national cybercrime helpline 1930 where applicable.