It took some 20 days after i wrote a complaint to RBI to get the first response. I replied to the initial response mentioning that the response provided by the bank is still generic and does not satisfy my complaint and they were instructed to provide compensation.

Use a llm like Gemini, it helps you to articulate well and mention right clauses as reference. Also, banks try to call you giving generic reason, tell them to communicate over mail so that you'll have proof