ATM Did Not Dispense Cash But Account Debited
You tried to withdraw cash from an ATM. The ATM did not dispense cash (or dispensed less than requested) but your account was debited the full amount.
⚖️Your Rights Under RBI Regulations
Banks must re-credit failed ATM transactions automatically within 5 business days — own bank ATM.
For other bank ATMs, reversal must happen within 5 business days.
If not reversed within these timelines, the bank must pay Rs.100 per day compensation from the 5th day onwards.
You must report to your bank within 30 days for the compensation provision to apply.
💰 What You Can Recover
Full refund of deducted amount + Rs.100 per day from day 6 onwards until reversal.
⏱ Response Deadline
Report within 30 days. Complaint after 5 business days of non-reversal.
📋Step-by-Step — What to Do
Note the ATM location, date, time, and amount. Take a photo of the ATM if possible.
Immediately call your bank's 24-hour helpline and report the failed transaction.
Follow up in writing after 5 business days if not reversed.
File with RBI Ombudsman if bank refuses compensation.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman — cms.rbi.org.in
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