Manash Mukhopadhayay raises a complaint against State Bank of India (SBI) over an unexplained deduction of Rs. 236. Choice4Voice.com highlights the issue and urges SBI to provide clarity and resolution.
SBI Complaint: Manash Mukhopadhayay Reports Rs. 236 Deduction Without Explanation
Complaint Summary
| Details | Information |
|---|---|
| Complainant Name | Manash Mukhopadhayay |
| Not disclosed | |
| Not disclosed | |
| Complaint Type | Unexplained Deduction |
| Company/Brand | State Bank of India (SBI) |
| Product/Service | Bank Account |
| Order No / Service No | Not available |
| Issue Description | Rs. 236 debited from the complainant’s account without any explanation or prior notification. |
| Date of Incident | 9/17/2025 |
| Company’s Response | No response yet |
| Additional Comments | Customer questions accountability and demands justification for the deduction. |
Full Complaint Write-Up
A consumer complaint has been raised by Manash Mukhopadhayay against State Bank of India (SBI) regarding an unexplained deduction of Rs. 236 from his account.
According to the complainant, the amount was debited without any prior notice, explanation, or supporting communication from the bank. The incident has raised serious concerns regarding account transparency, customer rights, and financial accountability.
The complainant has expressed frustration, stating that such practices raise the question of whether banks treat customer deposits responsibly. A deduction, no matter the amount, without proper explanation undermines trust between customers and the bank.
SBI, as one of India’s largest banks, is expected to maintain high standards of transparency and customer service. The lack of clarity in this case has led to dissatisfaction and a call for immediate accountability.
Choice4Voice.com urges SBI to investigate this case, provide a detailed explanation for the Rs. 236 deduction, and ensure corrective measures are taken to prevent such issues in the future.
Frequently Asked Questions (FAQs)
Q1. Why would SBI deduct money without informing the account holder?
Banks usually deduct money for charges like SMS alerts, annual fees, or penalties. However, customers must be informed in advance.
Q2. Is it legal for a bank to deduct money without customer consent?
No. RBI guidelines require banks to notify customers before deducting charges.
Q3. What should I do if money is deducted without explanation?
You should immediately raise a complaint with SBI through their customer care or visit the nearest branch.
Q4. Can I get a refund of wrongly deducted charges from SBI?
Yes, if the charges are found unjustified, SBI is obliged to reverse them.
Q5. How can I check details of deductions from my SBI account?
You can check your passbook entry, online banking transaction history, or request a detailed account statement.
Q6. Where can I complain if SBI does not resolve the issue?
If SBI fails to resolve, you can escalate the complaint to the Banking Ombudsman under RBI.
Q7. Are there common charges SBI deducts automatically?
Yes, charges may include ATM card annual fees, SMS alerts, minimum balance penalties, or insurance-linked deductions.
Q8. How much time does SBI take to resolve such complaints?
Typically, banks are expected to resolve complaints within 7 working days.
Q9. Can unexplained deductions affect my CIBIL score?
No, but failure to maintain balance due to unexplained charges can indirectly affect your account health.
Q10. Is it mandatory for SBI to send SMS or email alerts for deductions?
Yes, banks are required to inform customers about transactions and charges through alerts.
Q11. What RBI guidelines protect customers in such cases?
RBI mandates transparency and prior intimation of all bank charges.
Q12. Can I opt out of unnecessary service charges from SBI?
Yes, many optional services can be deactivated upon request.
Q13. What is the process to raise a formal complaint with SBI?
You can file a complaint through the SBI Complaint Portal, email customer care, or visit your branch.
Q14. If the deduction was for SMS charges, can I disable it?
Yes, you can disable SMS alerts and opt for free email alerts instead.
Q15. Can SBI charge customers for account maintenance?
Yes, but such charges must be predefined, approved by RBI, and communicated to the customer.
Q16. Are there ways to avoid hidden charges from SBI?
Maintaining the minimum balance, reading account terms carefully, and disabling unnecessary services help avoid charges.
Q17. What happens if SBI ignores my complaint?
You can escalate the issue to the Banking Ombudsman for resolution.
Q18. Can Choice4Voice.com help escalate my complaint against SBI?
Yes, Choice4Voice.com publishes genuine customer complaints to create awareness and push companies for resolution.
Q19. Is Rs. 236 a common deduction issue reported by SBI customers?
Yes, many customers have reported small but unexplained deductions, often linked to hidden fees.
Q20. How can I ensure my complaint gets attention?
Provide detailed account statements, written complaint records, and escalate if no timely response is received.
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Choice4Voice.com remains committed to supporting consumers like Manash Mukhopadhayay in raising their voice against unfair practices.
