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Redressal of Complaints/Grievances

"Customer day" is observed at all the offices of the Bank across the Organisation covering branches, Zonal Offices and Head Office on 15th of every month (next day, if 15th is a holiday or a half day). On this day any customer can meet Senior/Top Executives of the Bank, including Chairman & Managing Director without prior appointment.

In case of any complaint, the matter may first be brought to the notice of concerned Branch Manager for immediate redressal. If the complaint is not redressed to the satisfaction of the customer, the matter may be taken up with the Zonal Manager.

If the complainant still feels unsatisfied with the response received, he can address his complaint to bank's Nodal Officer designated to deal with Customers' Complaints/ Grievances giving full details of the case.

After exhausting all the above machinery/channels, if the customer is still not satisfied, he may write to Chairman & Managing Director of the Bank.

If still not satisfied, he is free to take recourse to the followings:

  • Office of the Banking Ombudsman located in State Capitals under RBI Ombudsman Scheme, 2006.
  • Directorate of Public Grievances, Govt. of India, Cabinet Secretariat, Sansad Marg, New Delhi.
  • Distt. Consumer Forum, under Consumer Protection Act, 1985,

Redressal of Grievances of Customers

In case of complaints related to Corruption/Bribe etc. same can be sent to

Head Office Vigilance Department,
21 Rajendra Place, Bank House,
3rd Floor,
New Delhi-110008.
Contact Nos. 011-25737321 & 011-25818411.

Committee on Procedures and performances on Bank Audit (CPPAPS)

An adhoc committee on procedures and performances audit on customer services has been constituted in our bank, which is chaired by Executive Director, three General Managers and also include non officials from customers as its members to enable an independent feedback on the quality of customer service rendered by the bank

The adhoc committee has been entrusted not only the task of ensuing timely and effective implementation of the RBI instructions, but also that it receives the necessary feedback to determine that the instructions. Further it is reviewing the practice and procedures prevalent in the bank and takes necessary corrective action, on an ongoing basis.

Customer Service committee of the Board

This is apex committee of the bank overlooking all the aspects of customers service and is also reviewing the performances of the adhoc committee of the Bank on customer service. This Committee is also reviewing the performances of the implementation of the awards of the Ombudsman.

Banking Ombudsman Scheme

To enable resolution of complaints relating to deficiency in Banking Services you can also approach the Ombudsman of your Region. Salient features of the scheme are as follows:

A complaint on any of the following grounds alleging deficiency in banking service may be filed with banking ombudsman having the jurisdiction:

  • Non Payment /inordinate delay in the payment of collection of cheques, bills, drafts etc.
  • Non- acceptance, without sufficient cause of small denomination notes tendered for any purpose and charging of commission in respect thereof.
  • Non issue of drafts to customers and others.
  • Non adherence to prescribed working hours by branches.
  • Failure to honor guarantee/letter of credit /commitments by bank.
  • Claims in respect of unauthorized or fraudulent withdrawals from deposit accounts, or fraudulent of a cheque or a bank draft etc.
  • Complaints pertaining to the operation in any savings, current or any other account maintained with RBI directives, if any applicable to rate of interest on deposits.
  • Complaints from exporters in India such as delays in receipt of export proceeds, handling of export collection of bills, etc., provided the said complaints pertain to the bank's operations on India.
  • Complaints from Non-resident Indians having accounts in India in relation to their remittances from deposits and other bank related matters.
  • Complaints pertaining to refusal to open deposit accounts without any valid reason for refusal
  • and any other relating to the violation of the directives issued by the Reserve Bank of India in relation to Service.

Complaints concerning loans and advances only in so far as they relate to the following may also be the banking Ombudsman having the jurisdiction.

  • Non- observance of Reserve Bank Of India directives on interest rates;
  • Delays in sanction /disbursement or non observance of prescribed time schedule for disposal of loan applications.
  • Non acceptance of application for loans without furnishing valid reasons to the applications, and
  • Non observance of any other directions or instructions of Reserve Bank as may be specified by the Bank for this purpose from time to time.

The Banking Ombudsman may also deal with any such other matter as may be specified by the Bank from time to time in this behalf.


In case any clarification is required on matters relating to customer service as given in Citizens’ Charter and for all complaint against working of branches, please contact the following :-

For all complaints against working of Branches:



General Manager (Inspection),

Punjab & Sind Bank, "Bank House",

6th Floor, 21, Rajendra Place, New Delhi 110008

Tel. No. 011-23322097, 25812931,


Toll Free No. 1800 11 1908

Deputy General Manager (Inspection)

Punjab & Sind Bank, H.O. Inspection Department,

2239, Gurdwara Road, Karol Bagh,

New Delhi -110005. Phone : 25769911

The Zonal Manager of Concerned Branch,

The address of the Zonal Offices is given in schedule - II

For Staff Matters

General Manager (Personnel)

Punjab & Sind Bank, Bank House, 21 Rajendra Place,

New Delhi - 110008. Phone : 25817353

For all Advances & Export Credit

General Manager (Advances),

Punjab & Sind Bank, Bank House , 21 Rajendra Place ,

New Delhi - 110008, Phone : 25783589

Other Official who can be contacted

Deputy General Manager (Planning & Development)

Punjab & Sind Bank, Bank House, 21 Rajendra Place,

New Delhi-110008.

Chief Host

The Customer Service Division,

Punjab & Sind Bank, Bank House, 21 Rajendra Place,

New Delhi - 110008.


Schedule - II

Name & Address of Banking Ombudsman and area of Operation

Centre Contact details of the Office of Banking Ombudsman Area of Operation

Shri P.K.Brahma
C/o Reserve Bank of India
La Gajjar Chambers,
Ashram Road,
Ahmedabad-380 009
Tel.No.079- 26582357, 079-26586718
Fax No.079-26583325
email: bogujarat[at]rbi[dot]org[dot]in

Gujarat, Union Territories of Dadra and Nagar Haveli, Daman and Diu

Shri. K.R.Ananda
C/o Reserve Bank of India
10/3/8, Nrupathunga Road
Bangalore-560 001
Tel.No.080-22210771, 080-22275629
Fax No.080-22244047
email: bobangalore[at]rbi[dot]org[dot]in


Shri B.P.Kanungo
C/o Reserve Bank of India
Hoshangabad Road,
Post Box No.32,
Bhopal-462 011
Tel.No.0755-2573772, 0755-2573776
Fax No.0755-2573779
email: bobhopal[at]rbi[dot]org[dot]in

Madhya Pradesh and Chattisgarh
Bhubaneswar Shri P.K.Jena
C/o Reserve Bank of India
Pt. Jawaharlal Nehru Marg
Bhubaneswar-751 001
Tel.No.0674-2396207, 0674-2396008
Fax No.0674-2393906
email: bobhubaneswar[at]rbi[dot]org[dot]in
Chandigarh Smt. Balbir Kaur
C/o Reserve Bank of India
New Office Building
Sector-17, Central Vista
Chandigarh-160 017
Tel.No.0172-2721109, 0172-2721011
Fax No.0172-2721880
email: bochandigarh[at]rbi[dot]org[dot]in
Himachal Pradesh, Punjab and Union Territory of Chandigarh
Chennai Shri S.Gopalakrishnan
C/o Reserve Bank of India,
Fort Glacis,
Chennai 600 001
Tel No.044-25399170, 044-25395964
Fax No.044-25395488
email: bochennai[at]rbi[dot]org[dot]in
Tamil Nadu, Union Territories of Pondicherry and Andaman and Nicobar Islands
Guwahati Shri P.K.Datta
C/o Reserve Bank of India
Station Road,
Pan Bazar
Guwahati-781 001
Tel.No.0361-2542556, 0361-2540445
Fax No.0361-2540445
email : boguwahati[at]rbi[dot]org[dot]in
Assam, Arunachal Pradesh, Manipur, Meghalaya, Mizoram, Nagaland and Tripura
Hyderabad Dr. (Smt.) Deepali Pant Joshi
C/o Reserve Bank of India
6-1-56, Secretariat Road
Hyderabad-500 004
Tel.No.040-23210013, 040-23243970
Fax No.040-23210014
email: bohyderabad[at]rbi[dot]org[dot]in
Andhra Pradesh
Jaipur Shri Rajendra Singh
C/o Reserve Bank of India,
Ram Bagh Circle,
Tonk Road, Post Box No.12,
Jaipur-302 004
Fax No.0141-2562220
email: bojaipur[at]rbi[dot]org[dot]in
Kanpur Shri B.K.Bhoi
C/o Reserve Bank of India
M.G. Road, Post Box No.82
Kanpur-208 001
Fax No.0512-2362553
email: bokanpur[at]rbi[dot]org[dot]in
Uttar Pradesh (excluding District of Ghaziabad) and Uttaranchal
Kolkata Shri P.K.Sarkar
C/o Reserve Bank of India
15, Nethaji Subhas Road
Kolkata-700 001
Fax No.033-22305899
email: bokolkata[at]rbi[dot]org[dot]in
West Bengal and Sikkim
Mumbai Shri N.Sadasivan
C/o Reserve Bank of India
Garment House,
Ground Floor,
Dr. Annie Besant Road,
Worli, Mumbai-400 018
Fax No.022-24960912
email: bomumbai[at]rbi[dot]org[dot]in
Maharashtra and Goa
New Delhi Shri H Kulshreshtha
Banking Ombudsman
Reserve Bank of India Building
2nd Floor, 6, Sansad marg
New Delhi - 110001
Tel No. 011-23725219/23710882/23725445
Fax No. 011-23725218
email: bonewdelhi[at]rbi[dot]org[dot]in
Delhi, Haryana, UT of Jammu and Kashmir and Ghaziabad district of Uttar Pradesh
Patna Shri C C Mitra
‘Biscomaun Towers’,
2nd Floor,
West Gandhi Maidan
Patna-800 001
Fax No.0612-2320407
email: bopatna[at]rbi[dot]org[dot]in
Bihar and Jharkhand
Thiruvananthapuram Shri V.Krishnamurthy
C/o Reserve Bank of India
Bakery Junction
Thiruvananthapuram-695 033
Fax No.0471-2321625
email: bothiruvananthapuram[at]rbi[dot]org[dot]in
Kerala and Union Territory of Lakshadweep

Schedule - III

Address of Zonal Offices

S.No Zone Zonal Manager Address Phone Fax E-Mail
1 AMRITSAR SH. KARAMJIT SINGH- DGM Hall Bazar , Chowk Phawara, Amritsar 0183-5057500, 2545097 (1083) 2553904 zo[dot]amritsar[at]psb[dot]co[dot]in
2 BAREILLY SH.VIJAY KUMAR-DGM Gagandeep Complex, 148 Civil Lines, Bareilly 0581-2510513 (0581) 2421137 zo[dot]bareilly[at]psb[dot]co[dot]in
3 BHATINDA SH. SATBIR SINGH-AGM 100 Ft Road, Civil Station. Bhatinda-Punjab Pin Code: 151001 0164-5011901 (0164) 2222165 zo[dot]bhatinda[at]psb[dot]co[dot]in
4 BHOPAL SH. BALDEV RAJ -DGM Punjab & Sind Bank Zonal Office 2nd Floor, Behind SBI, Kolar Road, Akbarpur, Bhopal Pin-462042 0755-4243700/ 0755-4249988/0755-4203836 (0755) 2557459 zo[dot]bhopal[at]psb[dot]co[dot]in
5 CHANDIGARH SH. JATINDER KUMAR - DGM SCO 79-81, Bank Square, Sec-17B, Chandigarh 0172-5006780 (0172) 5046935 zo[dot]chandigarh[at]psb[dot]co[dot]in
6 CHENNAI SH KANWAR LAL-DGM Ist Floor, 770A, Anna Salai, Chennai 044 28492888, 04428491935 (044) 28524037 zo[dot]chennai[at]psb[dot]co[dot]in
7 DEHRADUN MANOJ SINGH-AGM 30, I & s Building, Mohabbewala, Saharanpur road, Dehradun - 248002 0135-2642490 (0135) 2653152 zo[dot]dehradun[at]psb[dot]co[dot]in
8 Delhi I SH.CHAMAN LAL-DGM Sidhartha Enclave,Ashram Ckowk, New Delhi - 110014 011-26346434 (011) 26347410 zo[dot]delhi1[at]psb[dot]co[dot]in
9 Delhi II SH.VINOD KUMAR PANDEY-DGM Second floor, 38 / 39 Industrial Area, Naraina- Phase - I New Delhi 110028 011 25897833, 65980621 (011) 25897836 zo[dot]delhi2[at]psb[dot]co[dot]in
10 FARIDKOT SH. RAJIV KUMAR BANSAL - AGM Red Cross Bhawan, Sadiq Chowk, Faridkot - 151203. 01639-250375 (01639) 252288 zo[dot]faridkot[at]psb[dot]co[dot]in
11 Gandhi Nagar Sh.SURENDER KUMAR-AGM Z.O.Gandhi Nagar,Unit No.4, 3rd Floor, Gift Tower One, Gift City, Gandhinagar, Gujarat 382355 0796-6740208 zo[dot]gandhinagar[at]psb[dot]co[dot]in
12 GURDASPUR SH.ARVIND KUMAR - AGM 435/7,Civil Lines, Gurdaspur - 143521 01874-500379 (01874) 221086 zo[dot]gurdaspur[at]psb[dot]co[dot]in
13 GURGAON SH.RAJENDRA PAL SAINI -AGM Zonal Office Gurgaon , Punjab and Sind Bank Institutional Plot 151, Sector -44 , Gurgaon, Haryana - 122003 Phone Number: 0124-2544153,154, 156 0124-2544157 (011) 26452592 ZO[dot]GURGAON[at]psb[dot]co[dot]in
14 GUWAHATI SH.NITAI CHANDRA DAS - AGM 42, MG Road, Uzan Bazar, Guwahati -781001 3612604627, 03612512186 (0361) 2540103 zo[dot]guwahati[at]psb[dot]co[dot]in
15 HOSHIARPUR SH.AVDHESH NARAIN SINGH SCO-23 1st & 2nd Floor, Sant Harchand Singh Longowal Nagar, Chandigarh Road, Hoshiarpur, Punjab – 146 001 01882-502372 zo[dot]hoshiarpur[at]psb[dot]co[dot]in
16 JAIPUR SH. ASHNI KUMAR - AGM 30-31, Mohan Tower, Prince Road, Vidyut Nagar, Ajmer Road, Jaipur, Rajasthan- 302021 01412358628 zo[dot]jaipur[at]psb[dot]co[dot]in
17 JALANDHAR SH. LALIT KUMAR SHARMA - AGM Model Town, Jalandhar -144002 0181-5015600/ 0181-5015614 (0181) 2274137 zo[dot]jalandhar[at]psb[dot]co[dot]in
18 KOLKATA SH.RAJENDRA KUMAR RAIGAR - DGM 14/15, Old Court House Street, Kolkata - 700001 033-22101673 (033) 22485873 zo[dot]kolkata[at]psb[dot]co[dot]in
19 LUCKNOW SH.GAJRAJ DEVI SINGH THAKUR-DGM 1st Floor,Plot No-CP/47A, Satguru Tower, Sitapur Road Yojana,Sector-E,Janakipuram,Lucknow-226021 05224012833 (0522) 2221337 zo[dot]lucknow[at]psb[dot]co[dot]in
20 LUDHIANA MS.RASMITA KWATRA - DGM Bhai Bala Chowk, 5th floor, Noble Enclave, Ludhiana - 141001 0161-5068000 (0161) 2406017 zo[dot]ludhiana[at]psb[dot]co[dot]in
21 MUMBAI SH.D. Kannan -DGM Punjab & Sind Bank Mumbai Zonal Office 27/29 Ambalal Doshi Marg Fort Mumbai 400 001 022-22626121 (022) 25771618 zo[dot]mumbai[at]psb[dot]co[dot]in
22 NOIDA SH. VARINDER PAL SINGH - AGM First Floor 1-A , Block C ,Sector 63 Noida(U.P) Pin 201307 0120-4314044 zo[dot]noida[at]psb[dot]co[dot]in
23 PANCHKULA SH. SAMINDER SINGH - AGM Punjab & Sind Bank SCO 76,First & Second Floor, Sector 5, Panchkula Haryana -134109 0184 2269202 0184-2269204 zo[dot]panchkula[at]psb[dot]co[dot]in
24 PATIALA SH. RAJESH MALHOTRA - AGM Rajbaha Road, Patiala - 147001. 0175-5030800 (0175) 2215427 zo[dot]patiala[at]psb[dot]co[dot]in
25 VIJAYAWADA Sh. SANTOSH KUMAR NEERAJ-DGM Zonal Office, Punjab & Sind Bank, HNo. 54 -15-4C, 4th Floor, RK Galleria, Ring Road, Srinivasanagar Bank Colony, Near Health University, Vijayawada -520010 8662974191/92 zo[dot]vijayawada[at]psb[dot]co[dot]in
For Hot Listing (Blocking)
ATM/Rupay Cards
(By SMS) 9223815844
For Debit Freeze Account
(By SMS) 8828837411
For Phone Banking Services
(Call) 1800-22-1908
For Balance Enquiry
(By Missed Call) 7039035156 (Toll Free)
All India Toll Free 1800-419-8300