I reached Citibank India branch at 3:30 PM on a Saturday, hoping to complete a transaction before the 4:00 PM closing time. Despite waiting till 4:10 PM, I was told the bank was closed. However, I saw people still being served inside the branch even after 4:20 PM. When I spoke to the Branch Manager, he mentioned an RBI cut-off time of 4:00 PM. This caused me significant inconvenience, as I missed a crucial payment deadline, resulting in a lost business contract. Could I pursue legal action against Citibank for this experience?

Apni Law
Apni Law
Law Forum › Category: Consumer Court › I reached Citibank India branch at 3:30 PM on a Saturday, hoping to complete a transaction before the 4:00 PM closing time. Despite waiting till 4:10 PM, I was told the bank was closed. However, I saw people still being served inside the branch even after 4:20 PM. When I spoke to the Branch Manager, he mentioned an RBI cut-off time of 4:00 PM. This caused me significant inconvenience, as I missed a crucial payment deadline, resulting in a lost business contract. Could I pursue legal action against Citibank for this experience?
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Apni Law Staff asked 1 year ago

I reached Citibank India branch at 3:30 PM on a Saturday, hoping to complete a transaction before the 4:00 PM closing time. Despite waiting till 4:10 PM, I was told the bank was closed. However, I saw people still being served inside the branch even after 4:20 PM. When I spoke to the Branch Manager, he mentioned an RBI cut-off time of 4:00 PM. This caused me significant inconvenience, as I missed a crucial payment deadline, resulting in a lost business contract. Could I pursue legal action against Citibank for this experience?

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Best Answer

Apni Law Staff answered 1 year ago

Under Indian law, banks are not legally bound to extend their operating hours beyond the advertised time. While observing customers being served past 4:00 PM could be seen as inconsistent, it is not a clear breach of contract. However, the RBI cut-off time explanation, if proven misleading, could potentially support a claim for inconvenience and lost opportunity, but the likelihood of success is dependent on specific circumstances and evidence.

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