Insurance — IRDAI
First contact the insurer’s grievance redressal officer. If unresolved or dissatisfied, check the current IRDAI guidance and Bima Bharosa portal.
Official channels first
Find the right complaint route.
For a product complaint, usually start with the insurer, issuer, intermediary or regulated entity concerned. Keep the complaint reference and written response. Use the official escalation route that matches the product and issue.
Securities — SEBI
Raise the issue with the relevant company/intermediary or market institution first. If the issue is in scope and remains unresolved, review current SCORES instructions.
Mutual funds
Contact the mutual fund/AMC or relevant registered intermediary and preserve the service request number, account statements and correspondence. Check current SEBI/AMFI complaint instructions.
Banking and certain financial services — RBI
Complain to the regulated entity first. RBI’s complaint mechanism applies only when the entity and complaint meet the current scheme conditions.
Insurance Ombudsman
For eligible insurance disputes, check the current eligibility, time limits and filing requirements before submitting a complaint.
Company-specific escalation
Use the company’s official grievance officer, investor relations or customer service contact listed on its own website and product documents. Avoid unverified third-party numbers and links.
Prepare before filing
- Policy/account/client/reference number (share only on the official secure channel).
- Date and description of the issue, amount involved where relevant, and the outcome requested.
- Copies of the policy or product document, statement, bills, claim decision or transaction proof.
- Original complaint reference and the entity’s response, if any.
- Submit only the documents required by the official portal; redact unrelated personal or medical information.
Do not pay anyone who promises a guaranteed refund or settlement. Use official domains and verify the portal before entering personal information.
Important scope note
This page is an educational directory, not a regulator, law firm or grievance filing service. It does not submit complaints on your behalf. Complaint eligibility, timelines, jurisdiction and procedures can change; check the linked authority’s latest instructions before acting. SheildAxis cannot guarantee a complaint outcome.
Last reviewed: 12 October 2026. Official pages should be rechecked before each substantive update.