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3 Ways to File a Consumer Complaint in India and Seek a Refund

A practical guide to the three routes for an unresolved consumer dispute in India: contact the seller, use NCH, or file with a Consumer Commission.
From TheFinanceBase Team5 min to read
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To seek a refund in a consumer dispute in India, first make a written request to the seller or service provider, then consider the National Consumer Helpline (NCH) for pre-litigation help, and file with the appropriate Consumer Commission if the dispute remains unresolved. The current online filing portal is e-Jagriti, not the older e-Daakhil portal. A Commission can order a refund in a suitable case, but filing a complaint does not guarantee one.

Choose the route that matches your dispute

These routes have different purposes: a seller request seeks a direct resolution, NCH forwards grievances as a pre-litigation service, and a Consumer Commission hears a formal complaint. They are not interchangeable. You can contact a seller or use NCH, but the sources do not establish that either step must be completed before filing with a Commission.

Route Purpose and formality What to expect
Written request to seller or service provider Informal attempt to resolve the transaction directly You set out the problem and requested remedy; keep a record of the request and response.
National Consumer Helpline Pre-litigation grievance referral, not a court hearing NCH assigns a docket number and forwards the grievance to a relevant company, agency, regulator or ombudsman. It does not guarantee a remedy.
Consumer Commission Formal complaint before a quasi-judicial forum The Commission considers the complaint and evidence and may grant an appropriate remedy, including a refund.

1. Ask the seller or service provider for a documented resolution

Send a concise written request through a channel that gives you a record, such as email or the seller’s support portal. State the transaction, what went wrong, what you want—such as a refund—and a reasonable date for a response. Keep a copy of the request and any reply.

For e-commerce disputes, the Department of Consumer Affairs’ Act summary says entities must provide a grievance mechanism, acknowledge a grievance within 48 hours and redress it within one month. These are the stated grievance-handling timeframes, not a promise that your preferred remedy will be granted. See the Department’s Consumer Protection Act overview and Annual Report 2020–21.

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2. Use the National Consumer Helpline for pre-litigation help

NCH is an alternative dispute-resolution route before litigation. The official portal describes it as “an alternate dispute redressal mechanism at pre-litigation level.” NCH records the grievance, gives it a unique docket number and forwards it to the relevant company, agency, regulator or ombudsman. Its service is not a Commission order and does not guarantee a refund or other remedy.

How to contact NCH

  • Register a grievance through the National Consumer Helpline portal.
  • Call 1915 or 1800-11-4000. Department material states that 1915 is open daily from 8 a.m. to 8 p.m., except national holidays; confirm current availability before calling.
  • Use WhatsApp or SMS at 8800001915, the NCH app or UMANG.

NCH says a grievance may take up to 30 days to reach a logical conclusion. If its response does not resolve the issue, you may approach the appropriate Consumer Commission. Do not assume an NCH grievance pauses the Commission’s filing deadline.

3. File a formal complaint with the appropriate Consumer Commission

The Consumer Protection Act, 2019 came into force on 20 July 2020. For online filing, use e-Jagriti. The platform says e-Daakhil, OCMS, CMS and Confonet were subsumed into e-Jagriti, which has been available since 1 January 2025. An older NCH knowledge-base entry still refers to e-Daakhil; use the current e-Jagriti portal instead. Its stated onboarding flow is Register → Profile → Complaint, and its help documents cover onboarding, complaint filing and payment.

You may also file in writing. Department guidance says a complainant may present the complaint in person or through an agent, or send it by registered post, with the required fee. An advocate is not required: the FAQ says a consumer may represent themself or use a representative.

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Check that you can complain

The Department FAQ describes a consumer as someone who buys goods or services for consideration, including through online or offline transactions. Goods obtained for resale and goods or services for commercial purposes are generally excluded; use exclusively to earn a livelihood by self-employment is not treated as a commercial purpose. Whether a particular purchase qualifies can depend on its circumstances.

Potential complainants include consumers, qualifying consumer associations, governments, the Central Consumer Protection Authority, groups of consumers with the same interest, a deceased consumer’s legal heir or representative, and a minor’s parent or guardian.

Select the forum by value and location

The Department FAQ lists these pecuniary brackets:

Commission Claim-value bracket stated in the FAQ
District Up to ₹1 crore
State Above ₹1 crore and up to ₹10 crore
National Above ₹10 crore

For a District Commission complaint, the FAQ identifies possible locations where the opposite party resides or carries on business, where the complainant resides or carries on business, or where the cause of action arose wholly or partly. Check the live e-Jagriti or Commission information for your specific claim; forum rules and implementation can change. The brackets and location guidance above are from the Department of Consumer Affairs’ Consumer Protection Act 2019 knowledge base.

Prepare the complaint and supporting evidence

Department guidance says a written complaint should identify the complainant and opposite party by name, description and address; explain the facts and when and where the dispute arose; and include supporting documents if available. Useful evidence to organize includes:

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  • A dated timeline of the order, delivery or service, problem and follow-up.
  • Invoice or order confirmation and proof of payment.
  • Relevant product, delivery, repair or service records.
  • Your written refund request and the seller’s replies or refusal.
  • Any other record that helps establish the defect, deficiency or loss.

This list is practical preparation, not a claim that every item is a mandatory statutory form. Check e-Jagriti’s filing guidance for the documents and formats required in your case.

Check the filing fee before paying

The Department FAQ bases fees on the value of goods or services paid as consideration. Its listed bands are:

Forum Value of goods or services paid as consideration Fee stated in the FAQ
District Up to ₹5 lakh Nil
District Above ₹5 lakh to ₹10 lakh ₹200
District Above ₹10 lakh to ₹20 lakh ₹400
District Above ₹20 lakh to ₹50 lakh ₹1,000
District Above ₹50 lakh to ₹1 crore ₹2,000
State Above ₹1 crore to ₹2 crore ₹2,500
State Above ₹2 crore to ₹4 crore ₹3,000
State Above ₹4 crore to ₹6 crore ₹4,000
State Above ₹6 crore to ₹8 crore ₹5,000
State Above ₹8 crore to ₹10 crore ₹6,000
National Above ₹10 crore ₹7,500

These are the bands in the Department FAQ. The e-Jagriti portal displays District fee bands and notes that offline payment may be available where a Commission has not joined its payment gateway. Verify the current amount and payment instructions for the selected Commission before paying.

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Know the deadline and possible outcomes

Time limit

The Department FAQ states that a complaint should be filed within two years from the date the cause of action arose, which it describes as when the service deficiency or product defect arose or was detected. If you are close to that deadline, verify the current rule and seek qualified legal advice promptly. Do not rely on an NCH registration to extend or pause the period.

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Relief the Commission may consider

Depending on the case, possible relief includes refund of the price paid, replacement, removal of defects in goods or deficiencies in services, compensation for loss or injury, an order to discontinue an unfair practice, or costs. The Commission decides what relief is appropriate; asking for a refund does not ensure that it will be ordered. Mediation may be available with the parties’ consent, and the Department FAQ says no mediation fee is prescribed.

Appeals

The FAQ lists appeal periods of 30 days from a District Commission order to the State Commission, 30 days from a State Commission order to the National Commission, and 45 days from a National Commission order to the Supreme Court. These are procedural deadlines; verify the current rules and obtain advice if you are considering an appeal.

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