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About this tool
Total up wrongly levied bank or card charges with GST and draft a formal refund request with RBI escalation dates.
The Excess Charges Refund Request Generator totals the bank or credit card fees that were debited without a valid basis, adds the 18% GST that banks levy on service charges, and drafts a formal refund letter addressed to the branch manager or nodal grievance officer. It fills in the two dates that decide your next move: the 30-day reply window a bank gets before an RBI Ombudsman complaint becomes maintainable, and the one-year outer limit for filing that complaint under the Reserve Bank - Integrated Ombudsman Scheme, 2021. Use it for minimum-balance penalties, annual fees on a card sold as lifetime free, duplicate debits, or insurance premiums taken without consent.
Open Excess Charges Refund Request Generator on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
Adds 18% GST on the fee, or strips it out when you paste the GST-inclusive statement figure.
Shows the 30-day bank reply deadline and the Ombudsman filing cut-off derived from your letter date.
Each disputed debit is listed with date, description, base amount, GST and total so the branch can trace it.
Write to the branch manager or the bank's nodal grievance officer with a dated, itemised list of the debits and ask for reversal in writing. Banks are expected to register the complaint and give it a reference number; if there is no reply in 30 days or the reply is unsatisfactory, you can escalate to the RBI Ombudsman.
Thirty days. Under clause 10 of the Reserve Bank - Integrated Ombudsman Scheme, 2021, a complaint to the Ombudsman is maintainable only after the bank has been given 30 days to respond or has rejected the complaint, and it must be filed within one year of that reply or of the day the 30-day window expired.
Yes. Banking and financial services attract 18% GST, so a INR 500 charge is debited as INR 590. When a bank reverses a wrongly levied fee it normally reverses the tax component with it, which is why the letter claims both figures separately.
Attach the statement page with the disputed entries highlighted, plus anything that supports the claim - the welcome kit for a lifetime-free card, an SMS confirming a timely payment, or the account opening form showing a zero-balance product. This is an informational template; for a large or contested amount consult a lawyer or a consumer forum adviser.
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