{"id":247373,"date":"2026-07-14T19:15:49","date_gmt":"2026-07-14T13:45:49","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=247373"},"modified":"2026-07-14T21:31:25","modified_gmt":"2026-07-14T16:01:25","slug":"rbi-integrated-ombudsman-scheme-2026","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/","title":{"rendered":"RBI Integrated Ombudsman Scheme 2026, Attempt Free Practice Quiz"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_77 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#What_is_the_RBI_Integrated_Ombudsman_Scheme_2026\" >What is the RBI Integrated Ombudsman Scheme 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Download_RBI_Integrated_Ombudsman_Scheme_2026_PDF\" >Download RBI Integrated Ombudsman Scheme 2026 PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Attempt_RBI_Integrated_Ombudsman_Scheme_2026_PDF\" >Attempt RBI Integrated Ombudsman Scheme 2026 PDF<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Sign_Up\" >Sign Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Login\" >Login<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Forgot_Password\" >Forgot Password<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#i\" >&nbsp;<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Why_was_the_RBI_Integrated_Ombudsman_Scheme_2026_introduced\" >Why was the RBI Integrated Ombudsman Scheme 2026 introduced?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Which_Ombudsman_Schemes_have_been_merged\" >Which Ombudsman Schemes have been merged?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Which_institutions_are_covered_under_the_RBI_Integrated_Ombudsman_Scheme_2026\" >Which institutions are covered under the RBI Integrated Ombudsman Scheme 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#What_is_the_legal_framework_of_the_RBI_Integrated_Ombudsman_Scheme\" >What is the legal framework of the RBI Integrated Ombudsman Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Who_is_eligible_to_file_a_complaint_under_the_RBI_Integrated_Ombudsman_Scheme\" >Who is eligible to file a complaint under the RBI Integrated Ombudsman Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#What_is_the_hierarchy_under_the_RBI_Integrated_Ombudsman_Scheme\" >What is the hierarchy under the RBI Integrated Ombudsman Scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#What_are_the_responsibilities_of_regulated_entities\" >What are the responsibilities of regulated entities?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#How_does_the_complaint_process_work_under_the_RBI_Integrated_Ombudsman_Scheme_2026\" >How does the complaint process work under the RBI Integrated Ombudsman Scheme 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#How_can_customers_file_complaints_under_the_scheme\" >How can customers file complaints under the scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Who_is_the_appellate_authority_under_the_scheme\" >Who is the appellate authority under the scheme?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#What_are_the_major_changes_in_the_RBI_Integrated_Ombudsman_Scheme_2026\" >What are the major changes in the RBI Integrated Ombudsman Scheme 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#What_are_the_compensation_provisions_under_the_RBI_Integrated_Ombudsman_Scheme_2026\" >What are the compensation provisions under the RBI Integrated Ombudsman Scheme 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#Why_is_the_RBI_Integrated_Ombudsman_Scheme_2026_important_for_RBI_Grade_B_Phase_1_and_Phase_2\" >Why is the RBI Integrated Ombudsman Scheme 2026 important for RBI Grade B Phase 1 and Phase 2?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>The <strong>RBI Integrated Ombudsman Scheme 2026<\/strong> is one of the most important customer grievance redressal initiatives introduced by the Reserve Bank of India (RBI). The scheme provides a single platform for customers to file complaints against banks, Non-Banking Financial Companies (NBFCs), and digital payment service providers. It aims to make the complaint resolution process faster, transparent, and more customer-friendly. Since the scheme has been updated from <strong>1st July 2026<\/strong>, it becomes an important topic for the upcoming <strong>RBI Grade B Phase 2<\/strong>, NABARD, SEBI Grade A, and other banking exams.<\/p>\n\n\n\n<p>In this blog, we have covered all the important details about the RBI Integrated Ombudsman Scheme and provided a free practice quiz with correct answers and detailed explanations.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-rbi-integrated-ombudsman-scheme-2026\"><span class=\"ez-toc-section\" id=\"What_is_the_RBI_Integrated_Ombudsman_Scheme_2026\"><\/span>What is the RBI Integrated Ombudsman Scheme 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <strong>RBI Integrated Ombudsman Scheme 2026<\/strong> is a unified grievance redressal system launched by the Reserve Bank of India. It brings different Ombudsman schemes under a single framework to provide customers with one platform for resolving complaints related to banking, NBFCs, and digital payment services. The scheme follows the vision of <strong>&#8220;One Nation, One Ombudsman&#8221;<\/strong>, making the complaint process easier and more transparent.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Particular<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Scheme Name<\/td><td>RBI Integrated Ombudsman Scheme 2026<\/td><\/tr><tr><td>Implemented By<\/td><td>Reserve Bank of India (RBI)<\/td><\/tr><tr><td>Effective From<\/td><td>1st July 2026<\/td><\/tr><tr><td>Objective<\/td><td>Single platform for customer grievance redressal<\/td><\/tr><tr><td>Vision<\/td><td>One Nation, One Ombudsman<\/td><\/tr><tr><td>Covers<\/td><td>Banks, NBFCs and Digital Payment Systems<\/td><\/tr><tr><td>Beneficiaries<\/td><td>Customers of regulated financial entities<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b-mock-test\/?ref=contac-iobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Attempt RBI Grade B Mock Test<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-download-rbi-integrated-ombudsman-scheme-2026-pdf\"><span class=\"ez-toc-section\" id=\"Download_RBI_Integrated_Ombudsman_Scheme_2026_PDF\"><\/span>Download RBI Integrated Ombudsman Scheme 2026 PDF <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI Integrated Ombudsman Scheme 2026 PDF helps you understand the scheme&#8217;s objectives, key features, complaint process, eligible institutions, compensation provisions, and the latest updates in one place. To strengthen your preparation, we have also provided a free practice quiz with correct answers and detailed explanations.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Link<\/strong><\/td><\/tr><tr><td>RBI Integrated Ombudsman Scheme 2026 PDF<\/td><td><a href=\"https:\/\/www.oliveboard.in\/rbi-integrated-ombudsman-scheme-2026-pdf\/?ref=contac-iobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Download PDF<\/a><\/td><\/tr><tr><td>RBI Integrated Ombudsman Scheme 2026 Quiz<\/td><td><a href=\"https:\/\/www.oliveboard.in\/rbi-integrated-ombudsman-scheme-2026-pdf\/?ref=contac-iobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt and Download Free PDF<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-attempt-rbi-integrated-ombudsman-scheme-2026-pdf\"><span class=\"ez-toc-section\" id=\"Attempt_RBI_Integrated_Ombudsman_Scheme_2026_PDF\"><\/span>Attempt RBI Integrated Ombudsman Scheme 2026 PDF <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Practice your preparation with the RBI Integrated Ombudsman Scheme 2026 PDF to understand the latest updates, important facts, and key concepts of the scheme. <\/p>\n\n\n\n<!DOCTYPE html>\n<html lang=\"en\">\n<head>\n<meta charset=\"UTF-8\">\n<link rel=\"stylesheet\" href=\"https:\/\/courses.oliveboard.in\/edge\/css\/login-modal-for-blog.css\">\n\n<style>\n#quiz-1-sticky-header {\n  position: sticky;\n  top: 0;\n  z-index: 100;\n  background: #1565c0;\n  color: #fff;\n  padding: 12px 20px;\n  border-radius: 10px 10px 0 0;\n  display: flex;\n  justify-content: space-between;\n  align-items: center;\n  font-size: 16px;\n  font-weight: bold;\n  box-shadow: 0 2px 8px rgba(0,0,0,0.2);\n  margin: -20px -20px 20px -20px;\n}\n\n#quiz-1-score-badge {\n  background: rgba(255,255,255,0.2);\n  padding: 4px 12px;\n  border-radius: 20px;\n  font-size: 15px;\n  white-space: nowrap;\n}\n#quiz-1 * { box-sizing: border-box; }\n\n#quiz-1 .quiz-container {\n  max-width: 700px;\n  margin: auto;\n  padding: 20px;\n  background: #fff;\n  border-radius: 14px;\n  box-shadow: 0 6px 16px rgba(0,0,0,0.12);\n}\n\n#quiz-1 h2 {\n  text-align: center;\n}\n\n#quiz-1 .question {\n  margin-bottom: 22px;\n}\n\n#quiz-1 .question p {\n  font-weight: bold;\n}\n\n#quiz-1 button {\n  width: 100%;\n  padding: 12px;\n  margin: 6px 0;\n  border: none;\n  border-radius: 6px;\n  background: #e0e0e0;\n  color: #000;\n  font-size: 16px;\n  cursor: pointer;\n}\n\n#quiz-1 button:hover {\n  background: #d5d5d5;\n}\n\n#quiz-1 button.correct {\n  background: #4caf50;\n  color: #000;\n}\n\n#quiz-1 button.wrong {\n  background: #f44336;\n  color: #000;\n}\n\n#quiz-1 button.locked {\n  pointer-events: none;\n}\n\n\/* SUMMARY *\/\n#quiz-1 .final-summary {\n  margin-top: 40px;\n  padding: 20px;\n  border-radius: 14px;\n  background: #fafafa;\n  border: 2px solid #4caf50;\n}\n\n#quiz-1 .final-summary h3 {\n  text-align: center;\n  margin-bottom: 20px;\n}\n\n#quiz-1 .summary-row {\n  display: grid;\n  grid-template-columns: 120px 1fr 40px;\n  gap: 10px;\n  align-items: center;\n  margin-bottom: 12px;\n  font-weight: bold;\n}\n\n#quiz-1 .summary-bar {\n  height: 14px;\n  background: #ddd;\n  border-radius: 10px;\n  overflow: hidden;\n}\n\n#quiz-1 .bar-fill {\n  height: 100%;\n  width: 0%;\n}\n\n#quiz-1 .bar-attempted { background: #2196f3; }\n#quiz-1 .bar-correct { background: #4caf50; }\n#quiz-1 .bar-wrong { background: #f44336; }\n#quiz-1 .bar-unattempted { background: #9e9e9e; width: 100%; }\n\n#quiz-1 .final-score {\n  text-align: center;\n  font-size: 22px;\n  margin-top: 20px;\n}\n\n#quiz-1 .score-value {\n  font-size: 30px;\n  margin-left: 8px;\n}\n<\/style>\n<\/head>\n\n<body>\n<div id=\"quiz-1\">\n  <div class=\"quiz-container\">\n<div id=\"quiz-1-sticky-header\">\n  <span> RBI Integrated Ombudsman Scheme 2026 Practice Quiz<\/span>\n  <span id=\"quiz-1-score-badge\">Score: <strong id=\"quiz-1-score-value\">0.00<\/strong><\/span>\n<\/div>\n\n    <!-- QUESTIONS -->\n\n<div class=\"question\" data-answered=\"false\">\n  <p>1. The RBI Integrated Ombudsman Scheme (IOS) 2026 came into effect from which date?<\/p>\n  <button data-correct=\"false\">1st January 2026<\/button>\n  <button data-correct=\"false\">1st April 2026<\/button>\n  <button data-correct=\"true\">1st July 2026<\/button>\n  <button data-correct=\"false\">1st June 2026<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>2. The RBI Integrated Ombudsman Scheme 2026 integrates how many earlier Ombudsman schemes?<\/p>\n  <button data-correct=\"false\">Four<\/button>\n  <button data-correct=\"true\">Three<\/button>\n  <button data-correct=\"false\">Five<\/button>\n  <button data-correct=\"false\">Two<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>3. Which of the following is NOT integrated under IOS 2026?<\/p>\n  <button data-correct=\"true\">Ombudsman Scheme for Insurance Companies<\/button>\n  <button data-correct=\"false\">Banking Ombudsman Scheme, 2006<\/button>\n  <button data-correct=\"false\">Ombudsman Scheme for NBFCs, 2018<\/button>\n  <button data-correct=\"false\">Ombudsman Scheme for Digital Transactions, 2019<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>4. The Banking Ombudsman under IOS 2026 is set up under which section of the Banking Regulation Act, 1949?<\/p>\n  <button data-correct=\"false\">Section 18<\/button>\n  <button data-correct=\"false\">Section 12A<\/button>\n  <button data-correct=\"false\">Section 45L<\/button>\n  <button data-correct=\"true\">Section 35A<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>5. Under which Act is the NBFC Ombudsman constituted under IOS 2026?<\/p>\n  <button data-correct=\"false\">Companies Act, 2013<\/button>\n  <button data-correct=\"false\">Banking Regulation Act, 1949<\/button>\n  <button data-correct=\"true\">Reserve Bank of India Act, 1934<\/button>\n  <button data-correct=\"false\">Payment and Settlement Systems Act, 2007<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>6. The Digital Transactions Ombudsman under IOS 2026 is set up under which section?<\/p>\n  <button data-correct=\"false\">Section 35A of Banking Regulation Act, 1949<\/button>\n  <button data-correct=\"true\">Section 18 of Payment and Settlement Systems Act, 2007<\/button>\n  <button data-correct=\"false\">Section 45L of RBI Act, 1934<\/button>\n  <button data-correct=\"false\">Section 26 of Payment and Settlement Systems Act, 2007<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>7. What is the primary governance vision behind IOS 2026?<\/p>\n  <button data-correct=\"false\">One State, One Regulator<\/button>\n  <button data-correct=\"false\">One Bank, One Portal<\/button>\n  <button data-correct=\"true\">One Nation, One Ombudsman<\/button>\n  <button data-correct=\"false\">One Window, One Act<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>8. Which entity centrally processes all complaints (physical and digital) under IOS 2026?<\/p>\n  <button data-correct=\"true\">Centralised Receipt and Processing Centre (CRPC) at RBI Chandigarh<\/button>\n  <button data-correct=\"false\">RBI Mumbai Head Office<\/button>\n  <button data-correct=\"false\">RBI New Delhi Office<\/button>\n  <button data-correct=\"false\">State Bank of India Centralised Hub<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>9. What is the minimum deposit threshold for Non-Scheduled Primary Urban Co-operative Banks to be eligible under IOS 2026?<\/p>\n  <button data-correct=\"false\">\u20b925 crore<\/button>\n  <button data-correct=\"false\">\u20b910 crore<\/button>\n  <button data-correct=\"false\">\u20b9100 crore<\/button>\n  <button data-correct=\"true\">\u20b950 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>10. Which of the following is eligible under the Banking Ombudsman of IOS 2026?<\/p>\n  <button data-correct=\"false\">State Financial Corporations<\/button>\n  <button data-correct=\"true\">Regional Rural Banks<\/button>\n  <button data-correct=\"false\">Housing Finance Companies<\/button>\n  <button data-correct=\"false\">SEBI-registered stock brokers<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>11. Are Housing Finance Companies (HFCs) eligible under the NBFC Ombudsman of IOS 2026?<\/p>\n  <button data-correct=\"true\">No, HFCs are explicitly excluded<\/button>\n  <button data-correct=\"false\">Yes, all HFCs are eligible<\/button>\n  <button data-correct=\"false\">Yes, but only government-owned HFCs<\/button>\n  <button data-correct=\"false\">Yes, but only those with assets above \u20b9500 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>12. What is the minimum asset size for an NBFC to be eligible under the NBFC Ombudsman of IOS 2026?<\/p>\n  <button data-correct=\"false\">\u20b950 crore<\/button>\n  <button data-correct=\"false\">\u20b925 crore<\/button>\n  <button data-correct=\"true\">\u20b9100 crore<\/button>\n  <button data-correct=\"false\">\u20b910 crore<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>13. Credit Information Companies are included as eligible entities under which component of IOS 2026?<\/p>\n  <button data-correct=\"false\">NBFC Ombudsman<\/button>\n  <button data-correct=\"true\">Digital Transactions Ombudsman<\/button>\n  <button data-correct=\"false\">Banking Ombudsman<\/button>\n  <button data-correct=\"false\">They are not eligible under IOS 2026<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>14. What is the tenure of the RBI Ombudsman under IOS 2026?<\/p>\n  <button data-correct=\"false\">5 years<\/button>\n  <button data-correct=\"false\">2 years<\/button>\n  <button data-correct=\"false\">1 year<\/button>\n  <button data-correct=\"true\">3 years<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>15. What is the tenure of the Deputy Ombudsman under IOS 2026?<\/p>\n  <button data-correct=\"false\">4 years<\/button>\n  <button data-correct=\"false\">2 years<\/button>\n  <button data-correct=\"false\">5 years<\/button>\n  <button data-correct=\"true\">3 years<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>16. The Deputy Ombudsman under IOS 2026 can handle which category of complaints?<\/p>\n  <button data-correct=\"false\">Only complaints against NBFCs<\/button>\n  <button data-correct=\"false\">All types of complaints<\/button>\n  <button data-correct=\"true\">Only non-maintainable complaints and those under specific settlement clauses<\/button>\n  <button data-correct=\"false\">Only complaints related to digital transactions<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>17. What is the minimum rank required for the Principal Nodal Officer (PNO) of a public sector bank under IOS 2026?<\/p>\n  <button data-correct=\"false\">Executive Director<\/button>\n  <button data-correct=\"true\">General Manager or equivalent<\/button>\n  <button data-correct=\"false\">Deputy General Manager<\/button>\n  <button data-correct=\"false\">Chief General Manager<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>18. What is the first step a complainant must take before approaching the Ombudsman under IOS 2026?<\/p>\n  <button data-correct=\"true\">First approach the concerned Regulated Entity (bank\/NBFC\/payment provider)<\/button>\n  <button data-correct=\"false\">File a complaint directly with RBI<\/button>\n  <button data-correct=\"false\">Send a legal notice to the bank<\/button>\n  <button data-correct=\"false\">Contact the Ministry of Finance<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>19. How many days does a Regulated Entity get to resolve a complaint before the complainant can escalate to the Ombudsman under IOS 2026?<\/p>\n  <button data-correct=\"false\">21 days<\/button>\n  <button data-correct=\"false\">15 days<\/button>\n  <button data-correct=\"false\">7 days<\/button>\n  <button data-correct=\"true\">30 days<\/button>\n<\/div>\n\n<div class=\"question\" data-answered=\"false\">\n  <p>20. After the Regulated Entity fails to resolve a complaint, how many days does the complainant have to file with the Ombudsman under IOS 2026?<\/p>\n  <button data-correct=\"false\">60 days<\/button>\n  <button data-correct=\"false\">120 days<\/button>\n  <button data-correct=\"true\">90 days (strict window)<\/button>\n  <button data-correct=\"false\">30 days<\/button>\n<\/div>\n\n    <!-- FINAL SUMMARY -->\n    <div class=\"final-summary\">\n      <h3>Quiz Summary <\/h3>\n\n      <div class=\"summary-row\">\n        <span>Attempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-attempted\" data-summary=\"attempted\"><\/div><\/div>\n        <span data-count=\"attempted\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Correct<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-correct\" data-summary=\"correct\"><\/div><\/div>\n        <span data-count=\"correct\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Wrong<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-wrong\" data-summary=\"wrong\"><\/div><\/div>\n        <span data-count=\"wrong\">0<\/span>\n      <\/div>\n\n      <div class=\"summary-row\">\n        <span>Unattempted<\/span>\n        <div class=\"summary-bar\"><div class=\"bar-fill bar-unattempted\" data-summary=\"unattempted\"><\/div><\/div>\n        <span data-count=\"unattempted\">0<\/span>\n      <\/div>\n\n      <div class=\"final-score\">\n        Final Score: <span class=\"score-value\" data-score>0.0<\/span>\n      <\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n<div class=\"modal modal-obls\" id=\"modal-signup\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group1\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-delivery.svg\" alt=\"\"><\/span>\n 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block; position: relative; top: 0px; left: 0px; height: 44px; width: 204px; border: 0px; margin: -2px -10px;\"><\/iframe><\/div><\/div>\n                   <\/div>\n                   <h6 class=\"signup-subheader\">Or, register with email<\/h6>\n                   <label class=\"errormsg txt-red courseUp\"><\/label>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mail.svg\" alt=\"\"><\/span>\n                        <input type=\"email\" name=\"email\" class=\"formcontrol ob-inputfield\" id=\"course-uemail\" required=\"\">\n                        <span class=\"floating-label\" style=\"top: 19px; font-size: 12px;\">Email Id<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-mobile-black.svg\" alt=\"\"><\/span>\n                        <input type=\"text\" maxlength=\"10\" name=\"monum\" class=\"formcontrol ob-inputfield\" id=\"course-uphone\" required=\"\">\n                        <span class=\"floating-label\">Mobile Number<\/span>\n                   <\/div>\n                   <div class=\"formcontrol-group\">\n                        <span class=\"icon\"><img decoding=\"async\" src=\"\/img\/ic-lock.svg\" alt=\"\"><\/span>\n                        <input type=\"password\" name=\"pwd\" class=\"formcontrol ob-inputfield\" id=\"course-upassword\" required=\"\">\n                        <span class=\"floating-label\">Password<\/span>\n                   <\/div>\n                   <button type=\"button\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseUpValidation('home','IBPS','https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common');return false;\" id=\"courseup\">REGISTER<\/button>\n                    <p class=\"obls-footer\">Already a user?<button type=\"button\" class=\"btn btn-xs btn-switch-obls btn-show-modal-login\" id=\"btn-show-modal-login\">Login<\/button><\/p>\n               <\/div> \n            <\/div> \n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<div class=\"modal modal-obls\" id=\"modal-login\">\n        <div class=\"modal-background\"><\/div>\n        <div class=\"modal-content\">\n           <div class=\"obls-group\" id=\"obls-group2\">\n               <div class=\"obls-blk\">\n                   <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/img-run-health.svg\" alt=\"\"><\/span>\n                   <div id=\"login-group-abc\" class=\"lfp-group-abc\"><!-- start login group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Login\"><\/span>Login<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <label class=\"errormsg txt-red courseIn\"><\/label>\n                       <div class=\"formcontrol-group disable-loginemail\">\n                           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id=\"g_id_onload\" data-client_id=\"506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com\" ,=\"\" data-use_fedcm_for_prompt=\"true\" data-callback=\"handleOnetapResponse\">\n    <\/div>\n    <div class=\"g_id_signin\" data-type=\"standard\"><div class=\"S9gUrf-YoZ4jf\" style=\"position: relative;\"><div><div tabindex=\"0\" role=\"button\" aria-labelledby=\"button-label\" class=\"nsm7Bb-HzV7m-LgbsSe  hJDwNd-SxQuSe i5vt6e-Ia7Qfc uaxL4e-RbRzK\"><div class=\"nsm7Bb-HzV7m-LgbsSe-MJoBVe\"><\/div><div class=\"nsm7Bb-HzV7m-LgbsSe-bN97Pc-sM5MNb \"><div class=\"nsm7Bb-HzV7m-LgbsSe-Bz112c\"><svg version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 48 48\" class=\"LgbsSe-Bz112c\"><g><path fill=\"#EA4335\" d=\"M24 9.5c3.54 0 6.71 1.22 9.21 3.6l6.85-6.85C35.9 2.38 30.47 0 24 0 14.62 0 6.51 5.38 2.56 13.22l7.98 6.19C12.43 13.72 17.74 9.5 24 9.5z\"><\/path><path fill=\"#4285F4\" d=\"M46.98 24.55c0-1.57-.15-3.09-.38-4.55H24v9.02h12.94c-.58 2.96-2.26 5.48-4.78 7.18l7.73 6c4.51-4.18 7.09-10.36 7.09-17.65z\"><\/path><path fill=\"#FBBC05\" d=\"M10.53 28.59c-.48-1.45-.76-2.99-.76-4.59s.27-3.14.76-4.59l-7.98-6.19C.92 16.46 0 20.12 0 24c0 3.88.92 7.54 2.56 10.78l7.97-6.19z\"><\/path><path fill=\"#34A853\" d=\"M24 48c6.48 0 11.93-2.13 15.89-5.81l-7.73-6c-2.15 1.45-4.92 2.3-8.16 2.3-6.26 0-11.57-4.22-13.47-9.91l-7.98 6.19C6.51 42.62 14.62 48 24 48z\"><\/path><path fill=\"none\" d=\"M0 0h48v48H0z\"><\/path><\/g><\/svg><\/div><span class=\"nsm7Bb-HzV7m-LgbsSe-BPrWId\">Sign in with Google<\/span><span class=\"L6cTce\" id=\"button-label\">Sign in with Google. Opens in new tab<\/span><\/div><\/div><\/div><iframe src=\"https:\/\/accounts.google.com\/gsi\/button?type=standard&amp;is_fedcm_supported=true&amp;client_id=506321490093-i3j96ah9gn1sv3khntnd1rnv5jebt5j4.apps.googleusercontent.com&amp;iframe_id=gsi_437400_306436&amp;cas=pwXumGxyCMNtIbjaV30qchi2A1vUar%2Faz%2FOE5HQ%2B0Zc\" class=\"L5Fo6c-PQbLGe\" allow=\"identity-credentials-get\" id=\"gsi_437400_306436\" title=\"Sign in with Google Button\" style=\"display: block; position: relative; top: 0px; left: 0px; height: 0px; width: 0px; border: 0px;\"><\/iframe><\/div><\/div>\n\n\n                   <\/div>\n                    <p class=\"obls-footer\">New to Oliveboard?<button class=\"btn btn-xs btn-switch-obls\" id=\"btn-show-modal-signup\">Register<\/button><\/p>\n               <\/div> \n            <\/div> \n            <div class=\"success-msg-group\" id=\"success-msg-group\"><!-- success msg -->\n                <div class=\"success-msg-blk\" id=\"success-msg-blk\">\n                    <span class=\"img-box\"><img decoding=\"async\" src=\"\/img\/success-ellipse.svg\" alt=\"\"><\/span>\n                    <h2 id=\"fpwd-success-msg-title\"><span class=\"ez-toc-section\" id=\"i\"><\/span>&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                    <p id=\"fpwd-success-msg-text\">&nbsp;<\/p>\n                    <div class=\"login-btn\">\n                        <button type=\"button\" class=\"btn btn-md btn-tblue modal-obls-close\">Ok<\/button>\n                    <\/div>\n\n                <\/div>\n            <\/div><!-- success msg -->\n\n        <\/div>\n        <button class=\"modal-close is-large modal-obls-close\" aria-label=\"close\"><\/button>\n    <\/div>\n\n<script src=\"https:\/\/s3-ap-southeast-1.amazonaws.com\/sg2.oliveboard.in\/static\/js\/jquery.js\"><\/script>\n\n<script>\nvar boxurl = window.location.href + '?log=1';\n\nfunction getUrlParam(name, defaultValue) {\n    const params = new URLSearchParams(window.location.search);\n    return params.has(name) ? params.get(name) : defaultValue;\n}\n\nvar l_log = getUrlParam('log', 0);\n<\/script>\n<script src=\"https:\/\/www.oliveboard.in\/js\/coursecommon.js?v=12\"><\/script>\n\n\n<script>\n(() => {\n  const quizContainer = document.getElementById('quiz-1');\n  const STORAGE_KEY = 'quiz_1_state';\n  let score = 0;\n  let attempted = 0;\n  let correct = 0;\n  let wrong = 0;\n\n  const questions = quizContainer.querySelectorAll(\".question\");\n  const total = questions.length;\n\n  function loadState() {\n    try { return JSON.parse(sessionStorage.getItem(STORAGE_KEY) || '{}'); }\n    catch { return {}; }\n  }\n\n  function saveState(data) {\n    sessionStorage.setItem(STORAGE_KEY, JSON.stringify(data));\n  }\n\n  function updateUI() {\n    const unattempted = total - attempted;\n    quizContainer.querySelector('[data-count=\"attempted\"]').textContent = attempted;\n    quizContainer.querySelector('[data-count=\"correct\"]').textContent = correct;\n    quizContainer.querySelector('[data-count=\"wrong\"]').textContent = wrong;\n    quizContainer.querySelector('[data-count=\"unattempted\"]').textContent = unattempted;\n    quizContainer.querySelector('[data-summary=\"attempted\"]').style.width = (attempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"correct\"]').style.width = (correct \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"wrong\"]').style.width = (wrong \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-summary=\"unattempted\"]').style.width = (unattempted \/ total) * 100 + \"%\";\n    quizContainer.querySelector('[data-score]').textContent = score.toFixed(2);\n\n    \/\/ Live score update in sticky header\n    document.getElementById('quiz-1-score-value').textContent = score.toFixed(2);\n  }\n\n  function restoreQuestion(q, chosenIndex, wasCorrect) {\n    q.dataset.answered = \"true\";\n    const buttons = q.querySelectorAll(\"button\");\n    buttons.forEach(b => b.classList.add(\"locked\"));\n    if (wasCorrect) {\n      buttons[chosenIndex].classList.add(\"correct\");\n    } else {\n      buttons[chosenIndex].classList.add(\"wrong\");\n      q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n    }\n  }\n\n  \/\/ Restore saved answers on page load\n  const savedAnswers = loadState();\nquestions.forEach((q, qIndex) => {\n    const saved = savedAnswers[qIndex];\n    if (saved !== undefined) {\n      attempted++;\n      if (saved.correct) { correct++; }\n      else { wrong++; }\n      restoreQuestion(q, saved.chosenIndex, saved.correct);\n    }\n  });\n  score = parseFloat((correct * 1 - wrong * 0.25).toFixed(2));\n  updateUI();\n\n  \/\/ Attach click handlers\n  questions.forEach((q, qIndex) => {\n    q.querySelectorAll(\"button\").forEach((btn, btnIndex) => {\n      btn.addEventListener(\"click\", () => {\n        if (q.dataset.answered === \"true\") return;\n        q.dataset.answered = \"true\";\n        attempted++;\n\n        if (attempted > 9 && l_log == 0) {\n          $('#modal-signup').addClass('is-active');\n        }\n\n        q.querySelectorAll(\"button\").forEach(b => b.classList.add(\"locked\"));\n        const isCorrect = btn.dataset.correct === \"true\";\n\n if (isCorrect) {\n          btn.classList.add(\"correct\");\n          correct++;\n        } else {\n          btn.classList.add(\"wrong\");\n          wrong++;\n          q.querySelector(\"[data-correct='true']\").classList.add(\"correct\");\n        }\n        score = parseFloat((correct * 1 - wrong * 0.25).toFixed(2));\n\n        savedAnswers[qIndex] = { chosenIndex: btnIndex, correct: isCorrect };\n        saveState(savedAnswers);\n        updateUI();\n      });\n    });\n  });\n\n  updateUI();\n})();\n<\/script>\n\n<\/body>\n<\/html>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-circulars\/?ref=contac-iobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Free RBI Circular Practice Quiz<\/a><\/div>\n<\/div>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>Question<\/td><td>Exam Name<\/td><td>Asked On<\/td><td>Detailed Solution<\/td><\/tr><tr><td>The Ombudsman Scheme was introduced to address grievances&#8230;<\/td><td>RBI Grade B Phase 1 PYP<\/td><td>Sep 8, 2024 &#8211; Shift 2<\/td><td><a href=\"https:\/\/www.oliveboard.in\/question-answer\/pyq-the-ombudsman-scheme-was-introduced-to-address-grievances-of\" target=\"_blank\" rel=\"noreferrer noopener\">Check Here<\/a><\/td><\/tr><tr><td>According to the RBI Internal Ombudsman Scheme, what is the minimum asset size&#8230;<\/td><td>RBI Grade B Phase 1<\/td><td><br>Sep 8, 2024 &#8211; Shift 1<\/td><td><a href=\"https:\/\/www.oliveboard.in\/question-answer\/pyq-according-to-the-rbi-internal-ombudsman-scheme-what-is-the-minimum\" target=\"_blank\" rel=\"noreferrer noopener\">Check Here<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-was-the-rbi-integrated-ombudsman-scheme-2026-introduced\"><span class=\"ez-toc-section\" id=\"Why_was_the_RBI_Integrated_Ombudsman_Scheme_2026_introduced\"><\/span>Why was the RBI Integrated Ombudsman Scheme 2026 introduced?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Reserve Bank of India introduced this scheme to simplify the complaint handling process. Earlier, customers had to approach different Ombudsman schemes depending on the type of financial institution. The new integrated framework removes this confusion by creating a common grievance redressal system.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Create a single grievance redressal mechanism.<\/li>\n\n\n\n<li>Improve customer service.<\/li>\n\n\n\n<li>Ensure faster complaint resolution.<\/li>\n\n\n\n<li>Increase transparency in complaint handling.<\/li>\n\n\n\n<li>Remove territorial jurisdiction.<\/li>\n\n\n\n<li>Strengthen customer protection.<\/li>\n\n\n\n<li>Promote trust in the financial system.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-ombudsman-schemes-have-been-merged\"><span class=\"ez-toc-section\" id=\"Which_Ombudsman_Schemes_have_been_merged\"><\/span>Which Ombudsman Schemes have been merged?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI Integrated Ombudsman Scheme combines the earlier Ombudsman schemes into one framework. This allows customers to use a single system for filing complaints.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Merged Scheme<\/strong><\/td><td><strong>Year<\/strong><\/td><\/tr><tr><td>Banking Ombudsman Scheme<\/td><td>2006<\/td><\/tr><tr><td>Ombudsman Scheme for Non-Banking Financial Companies<\/td><td>2018<\/td><\/tr><tr><td>Ombudsman Scheme for Digital Transactions<\/td><td>2019<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/rbi-grade-b\/?ref=contac-iobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Explore RBI Grade B Courses<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-institutions-are-covered-under-the-rbi-integrated-ombudsman-scheme-2026\"><span class=\"ez-toc-section\" id=\"Which_institutions_are_covered_under_the_RBI_Integrated_Ombudsman_Scheme_2026\"><\/span>Which institutions are covered under the RBI Integrated Ombudsman Scheme 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The scheme covers various financial institutions regulated by the Reserve Bank of India. Customers of these institutions can file complaints if their grievances are not resolved within the prescribed time.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Institution<\/strong><\/td><td><strong>Coverage<\/strong><\/td><\/tr><tr><td>Commercial Banks<\/td><td>Covered<\/td><\/tr><tr><td>Regional Rural Banks (RRBs)<\/td><td>Covered<\/td><\/tr><tr><td>Scheduled Banks<\/td><td>Covered<\/td><\/tr><tr><td>State and Central Cooperative Banks<\/td><td>Covered<\/td><\/tr><tr><td>Non-Scheduled Primary Urban Cooperative Banks (Deposits of \u20b950 crore or more)<\/td><td>Covered<\/td><\/tr><tr><td>NBFCs accepting public deposits<\/td><td>Covered<\/td><\/tr><tr><td>NBFCs with customer interface and assets of \u20b9100 crore or more<\/td><td>Covered<\/td><\/tr><tr><td>Credit Information Companies<\/td><td>Covered<\/td><\/tr><tr><td>Participants under Payment Systems<\/td><td>Covered<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-legal-framework-of-the-rbi-integrated-ombudsman-scheme\"><span class=\"ez-toc-section\" id=\"What_is_the_legal_framework_of_the_RBI_Integrated_Ombudsman_Scheme\"><\/span>What is the legal framework of the RBI Integrated Ombudsman Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Integrated Ombudsman Scheme operates under different laws governing banking, NBFCs, and payment systems in India. These laws provide legal authority for grievance redressal.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Sector<\/strong><\/td><td><strong>Legal Provision<\/strong><\/td><\/tr><tr><td>Banking<\/td><td>Banking Regulation Act, 1949 (Section 35A)<\/td><\/tr><tr><td>NBFCs<\/td><td>Reserve Bank of India Act, 1934 (Section 45L)<\/td><\/tr><tr><td>Payment Systems<\/td><td>Payment and Settlement Systems Act, 2007 (Section 18)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-notification\/?ref=contac-iobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt the RBI Notification Practice Quiz for Free<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-is-eligible-to-file-a-complaint-under-the-rbi-integrated-ombudsman-scheme\"><span class=\"ez-toc-section\" id=\"Who_is_eligible_to_file_a_complaint_under_the_RBI_Integrated_Ombudsman_Scheme\"><\/span>Who is eligible to file a complaint under the RBI Integrated Ombudsman Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Customers who face problems with banking or financial services can approach the Ombudsman after giving the regulated entity an opportunity to resolve the complaint.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Bank customers<\/li>\n\n\n\n<li>NBFC customers<\/li>\n\n\n\n<li>Digital payment users<\/li>\n\n\n\n<li>Customers of eligible cooperative banks<\/li>\n\n\n\n<li>Customers of payment system participants<\/li>\n\n\n\n<li>Customers of credit information companies<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-hierarchy-under-the-rbi-integrated-ombudsman-scheme\"><span class=\"ez-toc-section\" id=\"What_is_the_hierarchy_under_the_RBI_Integrated_Ombudsman_Scheme\"><\/span>What is the hierarchy under the RBI Integrated Ombudsman Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The scheme has a structured grievance redressal system consisting of the RBI Ombudsman and Deputy Ombudsman. Both play important roles in resolving complaints.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Authority<\/strong><\/td><td><strong>Role<\/strong><\/td><td><strong>Tenure<\/strong><\/td><\/tr><tr><td>RBI Ombudsman<\/td><td>Handles complaints and passes awards<\/td><td>3 Years<\/td><\/tr><tr><td>Deputy Ombudsman<\/td><td>Deals with specific categories of complaints and settlements<\/td><td>3 Years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-responsibilities-of-regulated-entities\"><span class=\"ez-toc-section\" id=\"What_are_the_responsibilities_of_regulated_entities\"><\/span>What are the responsibilities of regulated entities?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Every regulated entity has certain responsibilities to ensure smooth complaint handling. They must cooperate with the Ombudsman and provide all necessary information within the prescribed timeline.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Appoint a Principal Nodal Officer.<\/li>\n\n\n\n<li>The officer should be of the rank of General Manager or equivalent.<\/li>\n\n\n\n<li>Provide complete information related to complaints.<\/li>\n\n\n\n<li>Submit required documents on time.<\/li>\n\n\n\n<li>Cooperate during complaint investigation.<\/li>\n\n\n\n<li>Follow RBI directions.<\/li>\n\n\n\n<li>Implement Ombudsman awards where applicable.<\/li>\n<\/ul>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-grade-b-fm-practice-quiz\/?ref=contac-iobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Take A Free RBI Grade B FM Practice Quiz<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-does-the-complaint-process-work-under-the-rbi-integrated-ombudsman-scheme-2026\"><span class=\"ez-toc-section\" id=\"How_does_the_complaint_process_work_under_the_RBI_Integrated_Ombudsman_Scheme_2026\"><\/span>How does the complaint process work under the RBI Integrated Ombudsman Scheme 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Customers cannot directly approach the Ombudsman. They must first raise the complaint with the concerned financial institution. If the complaint remains unresolved, they can approach the RBI Ombudsman.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Step<\/strong><\/td><td><strong>Process<\/strong><\/td><\/tr><tr><td>Step 1<\/td><td>File complaint with the concerned regulated entity<\/td><\/tr><tr><td>Step 2<\/td><td>Wait up to 30 days for resolution<\/td><\/tr><tr><td>Step 3<\/td><td>If unresolved, approach RBI Integrated Ombudsman<\/td><\/tr><tr><td>Step 4<\/td><td>Submit complaint through CMS Portal, Email or Physical Mode<\/td><\/tr><tr><td>Step 5<\/td><td>Ombudsman examines the complaint<\/td><\/tr><tr><td>Step 6<\/td><td>Decision or award issued<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"How_can_customers_file_complaints_under_the_scheme\"><\/span>How can customers file complaints under the scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI Integrated Ombudsman Scheme 2026 allows customers to file complaints through multiple channels, making the grievance redressal process simple and accessible. Customers can choose any of the available modes based on their convenience.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Online through CMS Portal:<\/strong> Customers can submit complaints online through the RBI Complaint Management System (CMS) Portal.<\/li>\n\n\n\n<li><strong>Email:<\/strong> Complaints can be sent via email along with the necessary details and supporting documents.<\/li>\n\n\n\n<li><strong>Physical Application:<\/strong> Customers can file a written complaint by post or submit it in physical form.<\/li>\n\n\n\n<li><strong>Call Centre Support:<\/strong> RBI provides call centre support to help customers with the complaint filing process.<\/li>\n\n\n\n<li><strong>Complaint in Any Language:<\/strong> Complaints can be submitted in any Indian language, making the process accessible to all customers.<\/li>\n\n\n\n<li><strong>Centralised Receipt and Processing Centre (CRPC), RBI Chandigarh:<\/strong> All complaints received through different channels are processed at the CRPC located in RBI Chandigarh before further action is taken.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-is-the-appellate-authority-under-the-scheme\"><span class=\"ez-toc-section\" id=\"Who_is_the_appellate_authority_under_the_scheme\"><\/span>Who is the appellate authority under the scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If either party is not satisfied with the Ombudsman&#8217;s decision, an appeal can be filed within the prescribed time. The appeal is examined by the designated authority of the Reserve Bank of India.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Particular<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Appeal Time<\/td><td>Within 30 days<\/td><\/tr><tr><td>Appellate Authority<\/td><td>Executive Director, Consumer Education and Protection Department (CEPD), RBI<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-16018d1d wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.oliveboard.in\/blog\/free-quizzes-for-regulatory-exams\/?ref=contac-iobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt Free Quiz for Regulatory Exams<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-major-changes-in-the-rbi-integrated-ombudsman-scheme-2026\"><span class=\"ez-toc-section\" id=\"What_are_the_major_changes_in_the_RBI_Integrated_Ombudsman_Scheme_2026\"><\/span>What are the major changes in the RBI Integrated Ombudsman Scheme 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The 2026 scheme introduces several improvements to strengthen customer protection and make grievance redressal more effective.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Earlier<\/strong><\/td><td><strong>2026 Update<\/strong><\/td><\/tr><tr><td>Effective Date<\/td><td>Previous Scheme<\/td><td>1st July 2026<\/td><\/tr><tr><td>Complaint Process<\/td><td>Existing Process<\/td><td>More streamlined and transparent<\/td><\/tr><tr><td>Grievance Handling<\/td><td>Standard mechanism<\/td><td>Faster complaint resolution<\/td><\/tr><tr><td>Transparency<\/td><td>Existing<\/td><td>Improved<\/td><\/tr><tr><td>Customer Access<\/td><td>Limited<\/td><td>Better accessibility<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-the-compensation-provisions-under-the-rbi-integrated-ombudsman-scheme-2026\"><span class=\"ez-toc-section\" id=\"What_are_the_compensation_provisions_under_the_RBI_Integrated_Ombudsman_Scheme_2026\"><\/span>What are the compensation provisions under the RBI Integrated Ombudsman Scheme 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the biggest changes in the updated scheme is the increase in compensation available to customers. The revised compensation aims to provide better relief in cases involving financial loss and mental harassment.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Compensation<\/strong><\/td><td><strong>Earlier<\/strong><\/td><td><strong>2026<\/strong><\/td><\/tr><tr><td>Financial Loss<\/td><td>Up to \u20b920 lakh<\/td><td>Up to \u20b930 lakh<\/td><\/tr><tr><td>Mental Harassment \/ Mental Anguish<\/td><td>Up to \u20b91 lakh<\/td><td>Up to \u20b93 lakh<\/td><\/tr><tr><td>Monetary Amount in Dispute<\/td><td>Limited<\/td><td>No upper limit on dispute amount for filing a complaint<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-the-rbi-integrated-ombudsman-scheme-2026-important-for-rbi-grade-b-phase-1-and-phase-2\"><span class=\"ez-toc-section\" id=\"Why_is_the_RBI_Integrated_Ombudsman_Scheme_2026_important_for_RBI_Grade_B_Phase_1_and_Phase_2\"><\/span>Why is the RBI Integrated Ombudsman Scheme 2026 important for RBI Grade B Phase 1 and Phase 2?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The <strong>RBI Integrated Ombudsman Scheme 2026<\/strong> is an important topic for both <strong>RBI Grade B Phase 1 and Phase 2<\/strong> because it is directly related to the Reserve Bank of India&#8217;s role in financial regulation, consumer protection, and banking supervision. Since the scheme was updated on <strong>1st July 2026<\/strong>, it becomes a significant current affairs topic for the examination. Questions can be asked in both objective and descriptive formats, making it essential for aspirants to understand its objectives, features, complaint process, and recent changes.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Important for RBI Grade B Phase 1<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Current Affairs:<\/strong> The updated scheme is a recent RBI initiative and can be asked in General Awareness.<\/li>\n\n\n\n<li><strong>Banking Awareness:<\/strong> Covers banking regulation, customer grievance redressal, and RBI&#8217;s regulatory framework.<\/li>\n\n\n\n<li><strong>Objective Questions:<\/strong> Candidates may face MCQs on the scheme&#8217;s launch date, objectives, eligibility, merged schemes, compensation limits, and complaint process.<\/li>\n\n\n\n<li><strong>Latest RBI Updates:<\/strong> Questions are often asked from newly introduced RBI notifications and schemes.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Important for RBI Grade B Phase 2\n<ul class=\"wp-block-list\">\n<li><strong>Economic &amp; Social Issues (ESI):<\/strong> Demonstrates how RBI strengthens financial inclusion, consumer protection, and public trust in the financial system.<\/li>\n\n\n\n<li><strong>Finance &amp; Management (FM):<\/strong> Helps in understanding financial regulation, regulated entities, customer grievance mechanisms, and governance.<\/li>\n\n\n\n<li><strong>Descriptive Questions:<\/strong> Candidates may be asked to explain the scheme, its objectives, key features, or compare it with the previous Ombudsman framework.<\/li>\n\n\n\n<li><strong>Case Study-Based Questions:<\/strong> The complaint filing process, eligibility criteria, compensation provisions, and regulatory responsibilities can be tested through practical scenarios.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Important for the RBI Grade B Interview<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>RBI Initiatives:<\/strong> Interviewers often ask questions on the latest RBI schemes, circulars, and customer-centric reforms.<\/li>\n\n\n\n<li><strong>Conceptual Understanding:<\/strong> Candidates should be able to explain the purpose of the scheme, the &#8220;One Nation, One Ombudsman&#8221; concept, and its impact on banking customers.<\/li>\n\n\n\n<li><strong>Regulatory Knowledge:<\/strong> Understanding the role of the Ombudsman, regulated entities, and the Consumer Education and Protection Department (CEPD) reflects awareness of RBI&#8217;s regulatory functions.<\/li>\n\n\n\n<li><strong>Current Banking Reforms:<\/strong> The latest changes in compensation limits, complaint timelines, and grievance redressal process can form part of discussion-based interview questions.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1784011650261\"><strong class=\"schema-faq-question\">1. What is the RBI Integrated Ombudsman Scheme 2026?<\/strong> <p class=\"schema-faq-answer\">It is a unified grievance redressal mechanism introduced by RBI for banking, NBFC, and digital payment complaints.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784011651065\"><strong class=\"schema-faq-question\">2. When did the RBI Integrated Ombudsman Scheme 2026 become effective?<\/strong> <p class=\"schema-faq-answer\">The scheme came into effect on 1st July 2026.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784011652083\"><strong class=\"schema-faq-question\">3. What is the main objective of the scheme?<\/strong> <p class=\"schema-faq-answer\">Its objective is to provide a single, transparent, and efficient complaint resolution system for financial service customers.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784011653422\"><strong class=\"schema-faq-question\">4. Which Ombudsman schemes were merged?<\/strong> <p class=\"schema-faq-answer\">The Banking Ombudsman Scheme 2006, NBFC Ombudsman Scheme 2018, and Ombudsman Scheme for Digital Transactions 2019 were merged.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784011654140\"><strong class=\"schema-faq-question\">5. What is the tenure of the RBI Ombudsman?<\/strong> <p class=\"schema-faq-answer\">The RBI Ombudsman is appointed for a 3-year tenure.<\/p> <\/div> <\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<ul class=\"wp-block-latest-posts__list is-grid columns-3 wp-block-latest-posts\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-integrated-ombudsman-scheme-2026\/\">RBI Integrated Ombudsman Scheme 2026, Attempt Free Practice Quiz<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-december-2025-financial-stability-report\/\">RBI Financial Stability Report December 2025, Free Quiz &amp; PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/pib-june-current-affairs-quiz\/\">Attempt PIB June Current Affairs 2026 Quiz &amp; Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-financial-stability-report\/\">RBI Financial Stability Report, Attempt Free Quiz &amp; Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-grade-b-current-affairs-what-to-read-what-to-skip\/\">RBI Grade B Current Affairs, What to Read and What to Skip<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/rbi-grade-b-shift-timings\/\">RBI Grade B Shift Timings 2026, Check Reporting Time<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>The RBI Integrated Ombudsman Scheme 2026 is one of the most important customer grievance redressal initiatives introduced by the Reserve<\/p>\n","protected":false},"author":58,"featured_media":247385,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10226,10247],"tags":[],"class_list":["post-247373","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-rbi","category-rbi-sebi-nabard","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.6 (Yoast SEO v26.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>RBI Integrated Ombudsman Scheme 2026, Attempt Free Practice Quiz<\/title>\n<meta name=\"description\" content=\"Get all the important details about the RBI Integrated Ombudsman Scheme and access a free practice quiz to boost your exam success.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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