How to File a Complaint Against SBI Employee for Insurance Mis-selling or Misconduct

How to File a Complaint Against SBI Employee

Opening a bank account should be a straightforward and transparent process. However, if you’re facing pressure from a State Bank of India (SBI) employee to purchase insurance products during SBI account opening, or if your concerns are being ignored, it’s important to know your rights and the correct process to file a complaint.

In this blog, we’ll guide you step-by-step on how to file a complaint against an SBI bank employee for misconduct, including forcing you to buy insurance like SBI Life or SBI General products unnecessarily.

🚨 Common Complaints Against SBI Bank Employees

Many customers have reported the following issues at SBI branches:

  • SBI employees forcing insurance purchase for account opening.
  • Denial of account opening without buying SBI Life or General Insurance.
  • Unauthorised insurance deductions from the savings account.
  • No proper explanation of insurance terms or policy.
  • SBI staff refusing to respond to queries or complaints.

These practices are against Reserve Bank of India (RBI) guidelines and IRDAI (Insurance Regulatory and Development Authority of India) norms.

📝 Steps to File a Complaint Against SBI Employee

✅ 1. File a Complaint on the SBI Grievance Portal

SBI has a dedicated Customer Complaint Portal.
🔗 Visit: https://crcf.bank.sbi/ccf

Steps:

  • First, select “Submit a Complaint”.
  • Then, enter your branch, product details, and nature of the complaint.
  • Additionally, attach any relevant proof (such as transaction receipts or audio recordings).
  • Finally, submit the form and make sure to note down your complaint reference number.

✅ 2. Escalate to SBI Branch Manager or Regional Office

If no resolution is received within 7 working days, you should escalate the issue.

  • Start by contacting the Branch Manager. Make your complaint in writing and keep a copy for future reference.
  • Moreover, you can escalate it further to the Regional Business Office for your area.
  • You can find their contact information using SBI’s official Branch Locator.

✅ 3. Lodge a Complaint with SBI Life or SBI General (if Insurance is Involved)

If you were mis-sold insurance:

✅ 4. Complain to the RBI Banking Ombudsman

If your grievance remains unresolved after 30 days, you can file a complaint with the RBI’s Integrated Ombudsman Scheme.

🔗 Visit: https://cms.rbi.org.in

This is a free legal forum where banking-related grievances are addressed. Therefore, it’s an effective next step when other methods have failed.

✅ 5. Register Complaint with IRDAI (For Insurance Issues)

For insurance mis-selling, escalate to IRDAI:

🔗 File through IRDAI IGMS: https://igms.irda.gov.in/

Or email at complaints@irdai.gov.in with policy details and branch name.

📌 Important Tips for Filing a Complaint

  • Always record details of your interaction (name of staff, branch, date/time). This information will be helpful later.
  • In addition, keep screenshots, forms, and receipts as proof.
  • Furthermore, never sign any insurance form unless you fully understand the policy.
  • Remember, you are not legally required to buy insurance to open a bank account.

✍️ Final Thoughts

Mis-selling of insurance during account opening is not just unethical — it’s also illegal. As a result, you have every right to open a bank account without being forced to purchase insurance.

If the issue persists, don’t hesitate to escalate your complaint through the official channels outlined above. Moreover, by doing so, you also help prevent similar practices from affecting other customers.

File a Complaint Against SBI Employee
File a Complaint Against SBI Employee