How to reclaim unfair bank charges in India ?

Recently IDBI Bank ,Siliguri deducted an unfair bank charges from my account with respect to Youtube earnings. When I contacted the bank in this regard, they just told me that the charges has been revised so the deduction. Previously they use to charge me 40-100 Rupees as per my payment received but the sudden rise in charges was just unacceptable ( to be precise IDBI charges me 1265 Rupees for a payment of Rs. 8600 ). So I Wasn’t satisfied with the charges and wrote a simple letter to the RBI in this regard. Here is a screenshot of my letter and the reply I got.

It took about a week or two and eventually the charges was reimbursed to my account. I got back Rs.1062 which was a win situation for me, So if you ever face similar problems in near future, just write a letter to the RBI and they are very prompt in handling the situation and reply back in a day or two. I am also providing you will all the contact email ids which handles various issues .

Here is the list :

How to contact RBI ( Reserve Bank Of India )
RBI Contact email id:
Please contact the following Departments, for relevant queries listed against each:

1. Exchange old Rs.500 and Rs.1000 notes & Supply of Currency Notes and Coins/scribbling on notes - Dept of Currency Management ([email protected]mailto:[email protected])
2. Cheque clearing/ATM/POS/IMPS/NEFT/Online/Wallet & Card Payments/MDR and charges therefor/BHIM - Dept of Payment and Settlement Systems ([email protected]mailto:[email protected])
3. NRO/NRE accounts/foreign remittances/JV & overseas investments/Caution listing of exporters - Foreign Exchange Department ([email protected]mailto:[email protected])
4. Co-operative Banks/Directions on Kapol Co-op Bank Ltd - Dept of Co-op Bank Regulation ([email protected]mailto:[email protected])
5. Non-Banking Financial Companies (NBFCs)/Institutions ([email protected]mailto:[email protected])
6. Service charge/Minimum balance - These are decided by banks as approved by their Board and should be communicated to their customers, at least 30 days in advance, as per RBI/GOI guidelines.

This Department does not have any comments/action in the above matters and hence
no other reply will be sent by us. Ignore this auto-reply if not relevant to your query.

DEPARTMENT OF BANKING REGULATION
RBI, CENTRAL OFFICE, MUMBAI

An updated email from IDBI BANK

Sir,

We refer to your query raised with RBI.

We had also referred the matter to our Concerned Region and Durgapur Branch and it is understood that officials have addressed concern raised by you and Rs1,062/- have been reversed in your account on 16.02.2018.

We assure you the best of our services and look forward to your continuous patronage.

Thanks and regards,
Kopal Chaturvedi

Manager
Customer Care Centre

IDBI Bank Ltd.