CIBIL Dispute Not Resolved in 30 Days? How to Claim ₹100 a Day and Escalate to the RBI Ombudsman (2026)

Most guides tell you how to raise a CIBIL dispute. Few tell you what happens when the 30 days pass and nothing changes. RBI's compensation framework, in force since October 2023, gives you a financial remedy and a formal escalation route. Both depend on your records.

The 30-Day Clock and Who Owns It

A dispute about your credit information has to be resolved within 30 calendar days of the bureau or the lender receiving it. The framework splits the time: the lender (the credit institution) gets 21 days to verify and send corrected data, and the bureau gets the remaining 9 days to update your report and close the complaint.

The amount is credited to your bank account within five working days of the dispute being resolved. Compensation is not a reward for complaining: it applies only if the delay is the fault of the lender or the bureau, so a delay caused by documents you did not submit may not qualify.

Step-by-Step: When 30 Days Pass

1. Check the dispute status on the bureau's portal and note the date it changed, if at all.
2. Write to the bureau and the lender asking for the delay compensation, quoting the dispute number and the framework.
3. Ask which party caused the delay. This tells you whom to name in the follow-up.
4. Wait for the closure and confirm your report shows the corrected entry. Our guide on fixing errors in your CIBIL report online covers how to file the original dispute.
5. If compensation is denied or no reply comes, escalate to the RBI Ombudsman.

Escalating to the RBI Integrated Ombudsman

Under the Reserve Bank — Integrated Ombudsman Scheme, 2021, you can file a complaint online through RBI's complaint management portal. The scheme expects you to approach the regulated entity first; if you get no reply within 30 days, or an unsatisfactory reply, you can approach the Ombudsman, generally within one year of the reply. The scheme covers credit information companies, so the bureau itself can be named alongside the lender.

Do You Still Need Compensation to Fix the Report?

No. The ₹100 per day is a remedy for delay, not a substitute for correcting the entry. If the error is the result of fraud, start with our guide on fraudulent loans and identity theft on your CIBIL report. To see your report across all bureaus before disputing, use your four free credit reports.