New Delhi: Sometimes it happens that even after the ATM transaction fails, the money is deducted from our bank account. On contacting the bank customer care, you are assured that the money will come to your account within 24 hours, but many times it has been seen that even then the money does not get deposited to your bank account. Do not worry if this happens, because according to the rules of the Reserve Bank, it is the responsibility of the bank to put the deducted money in your account if the transaction fails. If you are aware of some simple rules of RBI, then you can get your money back soon. So let's know about these rules: -
Rule 1. When a customer's transaction fails and money is deducted from the account, the deducted amount has to be returned to the bank immediately.
Rule 2. Money should come to the customer's account within 7 days of filing the complaint
Rule 3. If the money does not come even after seven days, the bank will have to pay the compensation of Rs 100 per day.
Rule 4. To get compensation from the bank, the customer has to file a complaint within 30 days. If you complain about this, you will get damages. Transaction slip or statement of account has to be submitted to the bank
Rule 5. If the money is not returned within 7 days, the customer will have to fill the Annexure-5 (annexure-5) form
Rule 6. On the day you fill this form, the customer's penalty will start connecting on the same day, that is, if the money is not returned within 10 days after filling the form, then the bank will have to pay 1000 rupees per 100 rupees.
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