Find out what your bank owes you, and get the letter to claim it.
Upload a bank statement or enter your case. We check delays against RBI’s current rules and draft a ready-to-send claim letter. Your statement is read on your device and never uploaded.
- ₹100per day · failed UPI / ATM / card
- ₹500per day · credit-card closure
- ₹5,000per day · property documents
Failed UPI, IMPS, ATM & card reversal scanner
The scanner finds debits and their reversals; you confirm the incident type (T+1 or T+5) for each flagged row.
Reading document…
Statement details (editable)
Detected automatically and may be wrong. Correct anything below; it goes into your letter.
Add an incident manually (no statement needed)
Debits analysed
0entries parsedFlagged for review
0failed or reversedPossible delays
00 not reversedIndicative estimate
₹0needs your confirmationSee every transaction and download your claim letter
The full audit, incident selection, delay calculation, CSV export and an auto-filled letter citing RBI circular DPSS.CO.PD No.629/02.01.014/2019-20.
Transaction review
| Date | Channel | Narration & reference | Debit | Reversal | Incident type | Delay | Estimate |
|---|
Claim letter to your bank
Editable draft. It rebuilds when you change incident types or statement details, so make your own edits last.
Credit-card closure & CIBIL complaint delay
A card issuer must close a card within 7 working days of your request (no dues) or pay ₹500 per calendar day. Separately, a credit-information complaint unresolved after 30 days attracts ₹100 per day, shared between the lender and the credit bureau.
Complaint letter
Review every detail before sending.
Loan & property-document release delay
After full repayment, the lender must release original property documents and remove registered charges within 30 days. If the delay is the lender’s, compensation is ₹5,000 per day. If documents were lost or damaged, 60 days in total apply.
Document-release letter
A request for review, not a court filing.
Escalation kit: reminder, RBI Ombudsman complaint & evidence checklist
If your bank does not pay, you complain to the bank first, then escalate to the RBI Ombudsman (free): after 30 days with no reply, or if it rejects your complaint or the reply is unsatisfactory. File within 90 days. The eligibility calculator is free; the drafts are in the Complete plan.
1 · Reminder to the bank
Send this first if you have not already escalated in writing.
2 · RBI Ombudsman complaint text
Paste into the CMS portal form and attach your documents.
3 · Evidence checklist
RBI rules behind these calculators: status in 2026
Every rule below was checked against RBI’s text and current coverage on the date above. None of them has an announced end date: RBI directions stay in force until RBI amends or repeals them, and RBI’s November 2025 consolidation re-issued several of them without changing the rates or deadlines.
What changes next
We re-check these rules regularly, but RBI can change a direction at any time. Always confirm the current text on rbi.org.in before you rely on a figure.
Choose your plan
One-time payment, no subscription. Each payment covers one statement or case. Pay securely with Razorpay (UPI, cards, netbanking, wallets), then enter your Payment ID below to unlock instantly.
Already paid? Unlock your plan
After paying, Razorpay shows a Payment ID (it starts with pay_) on the success page and in your email / SMS receipt. Paste it here.
Terms, privacy & refunds
- What you buy: a digital analysis and draft letters. We do not file anything for you, give legal advice, or guarantee compensation.
- Your data: statements are read in your browser and are not uploaded. The only thing sent to our server is your Razorpay Payment ID, to confirm the payment. There are no ad trackers.
- Refunds: because the product is delivered instantly, payments are generally non-refundable. If you were charged but could not unlock, or paid twice by mistake, contact us with your Payment ID and we will fix it or refund you.
- Payments: processed by Razorpay. We never see or store your card, UPI or bank details.
- Support: use the contact details on your Razorpay receipt and quote your Payment ID.
Frequently asked questions
Is my bank statement safe and private?
Your statement is read inside your browser. It is not uploaded to our servers, and this site loads no third-party scripts or ad trackers. We only send your Razorpay Payment ID to confirm a purchase. Even so, use a device you trust, and remove sensitive details if you share screenshots.
Will the bank pay automatically?
For failed transactions, RBI’s circular says compensation must be credited without waiting for a complaint. In practice many banks do not, which is why the letter asks them to calculate and credit it, and why the Escalation kit exists.
Why do I have to choose an incident type?
RBI sets different deadlines: T+1 for a UPI transfer that did not reach the beneficiary, T+5 for a UPI merchant payment, T+5 for an ATM that debited without dispensing cash, and so on. A statement line alone cannot tell the two UPI cases apart. When unsure we assume the longer deadline, which keeps the estimate on the cautious side.
Are these rules still in force in 2026?
Yes. See the “RBI rules 2026” tab: each rule is listed with its source, status and the date we verified it. The 2021 Ombudsman scheme was replaced by RB-IOS 2026 on 1 July 2026, and the letters here already reflect that.
How is the credit-card closure deadline counted?
Seven working days from the day after your request, counting Monday to Friday. Bank holidays are not excluded and the rule excludes days you took to clear dues, so check the actual deadline. We count conservatively, so the estimate is not inflated.
My PDF is password-protected. What password do I use?
It is set by your bank, often your date of birth (DDMMYYYY), part of your name with your date of birth, or your PAN or customer ID. Check the email or SMS that came with the statement. Press Enter after typing it.