{"id":96153,"date":"2026-07-15T21:45:59","date_gmt":"2026-07-15T16:15:59","guid":{"rendered":"https:\/\/www.oliveboard.in\/blog\/?p=96153"},"modified":"2026-07-15T21:52:01","modified_gmt":"2026-07-15T16:22:01","slug":"banking-ombudsman-scheme-jaiib","status":"publish","type":"post","link":"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/","title":{"rendered":"Banking Ombudsman Scheme 2026 for the JAIIB Exam, Check Details"},"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\/banking-ombudsman-scheme-jaiib\/#What_is_the_Banking_Ombudsman_Scheme_2026\" >What is the Banking 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\/banking-ombudsman-scheme-jaiib\/#How_is_the_banking_Ombudsman_Scheme_different_from_RBI_Integrated_Ombudsman_Scheme\" >How is the banking Ombudsman Scheme different from 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-3\" href=\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/#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-4\" href=\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/#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-5\" href=\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/#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-6\" href=\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/#Login\" >Login<\/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\/banking-ombudsman-scheme-jaiib\/#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-8\" href=\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/#i\" >&nbsp;<\/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\/banking-ombudsman-scheme-jaiib\/#Why_is_the_Banking_Ombudsman_Scheme_important_for_JAIIB_Exam\" >Why is the Banking Ombudsman Scheme important for JAIIB Exam?<\/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\/banking-ombudsman-scheme-jaiib\/#What_is_the_RBI_Integrated_Ombudsman_Scheme_RB-IOS_2026\" >What is the RBI Integrated Ombudsman Scheme (RB-IOS), 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\/banking-ombudsman-scheme-jaiib\/#Which_entities_are_covered_under_the_RBI_Integrated_Ombudsman_Scheme_2026\" >Which entities 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-12\" href=\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/#What_is_the_compensation_available_under_RB-IOS_2026\" >What is the compensation available under RB-IOS, 2026?<\/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\/banking-ombudsman-scheme-jaiib\/#What_complaints_are_not_covered_under_RB-IOS_2026\" >What complaints are not covered under RB-IOS, 2026?<\/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\/banking-ombudsman-scheme-jaiib\/#Can_a_customer_appeal_against_the_RBI_Ombudsmans_decision\" >Can a customer appeal against the RBI Ombudsman&#8217;s decision?<\/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\/banking-ombudsman-scheme-jaiib\/#FAQs\" >FAQs<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Banking and financial customer protection is an important topic for the JAIIB Exam. Questions related to the Banking Ombudsman Scheme, RBI grievance redress system, and customer rights are frequently asked in the Indian Economy and Financial System (IE &amp; IFS) paper. <\/p>\n\n\n\n<p>While the Banking Ombudsman Scheme was earlier used for resolving complaints against banks, it has now been replaced by the Reserve Bank Integrated Ombudsman Scheme (RB-IOS), 2026. Candidates preparing for the JAIIB Exam should understand the history, objectives, complaint process, compensation limits, and differences between the old and new schemes. <\/p>\n\n\n\n<p>In this blog, we have provided all the important details of the Banking Ombudsman Scheme 2026 for quick revision and exam preparation.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-banking-ombudsman-scheme-2026\"><span class=\"ez-toc-section\" id=\"What_is_the_Banking_Ombudsman_Scheme_2026\"><\/span>What is the Banking Ombudsman Scheme 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Banking Ombudsman Scheme was introduced by the Reserve Bank of India (RBI) to provide a simple and cost-free mechanism for resolving complaints against banks. However, RBI replaced this scheme with the Reserve Bank \u2013 Integrated Ombudsman Scheme (RB-IOS), 2026, which came into effect on 1 July 2026. The new scheme covers multiple regulated entities under a single framework and follows the &#8220;One Nation One Ombudsman&#8221; approach.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Earlier Scheme<\/td><td>Banking Ombudsman Scheme, 2006<\/td><\/tr><tr><td>Current Scheme<\/td><td>Reserve Bank \u2013 Integrated Ombudsman Scheme (RB-IOS), 2026<\/td><\/tr><tr><td>Effective Date<\/td><td>1 July 2026<\/td><\/tr><tr><td>Regulator<\/td><td>Reserve Bank of India (RBI)<\/td><\/tr><tr><td>Nature<\/td><td>Cost-free grievance redress mechanism<\/td><\/tr><tr><td>Objective<\/td><td>Resolve complaints related to deficiency in service<\/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\/jaiib-ie-and-ifs-module-a-practice-quiz\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Start Your Free JAIIB IE &amp; IFS Module A Live Practice Quiz Now!<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-is-the-banking-ombudsman-scheme-different-from-rbi-integrated-ombudsman-scheme\"><span class=\"ez-toc-section\" id=\"How_is_the_banking_Ombudsman_Scheme_different_from_RBI_Integrated_Ombudsman_Scheme\"><\/span>How is the banking Ombudsman Scheme different from RBI Integrated Ombudsman Scheme?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Banking Ombudsman Scheme and the RBI Integrated Ombudsman Scheme differ mainly in terms of coverage and structure. The earlier scheme focused only on banks, whereas RB-IOS, 2026 covers several regulated entities under one umbrella.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Banking Ombudsman Scheme<\/strong><\/td><td><strong>RB-IOS, 2026<\/strong><\/td><\/tr><tr><td>Introduced<\/td><td>2006<\/td><td>2026<\/td><\/tr><tr><td>Coverage<\/td><td>Banks only<\/td><td>Banks, NBFCs, PPIs, CICs<\/td><\/tr><tr><td>Complaint System<\/td><td>Separate Scheme<\/td><td>Unified Scheme<\/td><\/tr><tr><td>Approach<\/td><td>Entity-specific<\/td><td>One Nation One Ombudsman<\/td><\/tr><tr><td>Portal<\/td><td>Multiple mechanisms<\/td><td>Single CMS Portal<\/td><\/tr><tr><td>Compensation<\/td><td>Limited provisions<\/td><td>Up to \u20b930 lakh + \u20b93 lakh<\/td><\/tr><tr><td>Status<\/td><td>Discontinued<\/td><td>Currently Applicable<\/td><\/tr><\/tbody><\/table><\/figure>\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-jaiibiobds-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-jaiibiobds-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                            <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-email\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginnext-group\" id=\"loginnext-group\"><!-- pass and captcha -->\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-password\" required=\"\">\n                                <span class=\"floating-label\">Password<\/span>\n                           <\/div>\n                           <div style=\"display:none\" id=\"img-oblcaptcha\" class=\"captcha-img-blk\">\n                           <\/div>\n                           <div style=\"display:none\" class=\"formcontrol-group captcha-input-blk\">\n                                <input type=\"text\" name=\"pwd1\" value=\"1\" class=\"formcontrol ob-inputfield\" id=\"lcaptcha-code\" required=\"\">\n                                <span class=\"floating-label\">Enter text you see in the image<\/span>\n                           <\/div>\n                       <\/div><!-- pass and captcha -->\n                       \n                       <div class=\"btn-forgotpwd-group\"><button id=\"btn-forgotpwd\" class=\"btn btn-forgotpwd\">Forgot Password?<\/button><\/div>\n                       <button type=\"button\" id=\"coursein1\" class=\"btn btn-md btn-tblue btn-obls\" onclick=\"courseInValidation1()\">Next<\/button>\n                       <button type=\"button\" id=\"coursein\" class=\"btn btn-md btn-tblue btn-obls coursein\" onclick=\"courseInValidation('https:\/\/u1.oliveboard.in\/exams\/?c=dashboard&amp;i=common')\">Submit<\/button>\n                       <form method=\"post\" action=\"https:\/\/login.oliveboard.in\/login\/next.php\" id=\"snf1\">\n                        <input type=\"hidden\" name=\"email\" value=\"\" id=\"lemailnext\">\n                        <\/form>\n                   <\/div><!-- end login group -->\n                   <div id=\"forgotpwd-group-abc\" class=\"lfp-group-abc forgotpwd-group-abc\"><!-- start forgotpwd group -->\n                       <h2><span class=\"ez-toc-section\" id=\"Forgot_Password\"><\/span>Forgot Password<span class=\"ez-toc-section-end\"><\/span><\/h2>\n                       <p class=\"secintro-txt\">Please enter the Email ID we will send you a Email with the link to reset the password.<\/p>\n                       <label class=\"errormsg txt-red rePassMsg\"><\/label>\n                       <div class=\"formcontrol-group formcontrol-group-fp\">\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=\"remail\" required=\"\">\n                            <span class=\"floating-label\">Email Id<\/span>\n                       <\/div>\n                       <div class=\"loginas-group loginas-group1\">\n                            <button type=\"button\" id=\"btn-fpwd-cancel\" class=\"btn btn-md btn-white btn-cancel btn-fpwd-cancel\">Cancel<\/button>\n                            <button type=\"button\" id=\"lreset\" class=\"btn btn-md btn-tblue btn-fpwd-submit\" onclick=\"resetPassword()\">Submit<\/button>\n                       <\/div>\n                    <\/div><!-- end forgotpwd group --> \n                   <h6 class=\"login-subheader\">Or, login with<\/h6>\n                   <div class=\"loginas-group loginas-group2 loginas-group-single\">\n\n <div 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 * 0.00).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 * 0.00).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\/jaiib-indian-economy-financial-system-mock-test\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Attempt A free JAIIB IE and IFS Mock Test<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-is-the-banking-ombudsman-scheme-important-for-jaiib-exam\"><span class=\"ez-toc-section\" id=\"Why_is_the_Banking_Ombudsman_Scheme_important_for_JAIIB_Exam\"><\/span>Why is the Banking Ombudsman Scheme important for JAIIB Exam?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The Banking Ombudsman Scheme is an important static banking topic for JAIIB aspirants. Questions can be asked about complaint timelines, compensation limits, regulated entities, and the powers of the RBI Ombudsman. Candidates should also know that RB-IOS, 2026 has replaced the earlier Banking Ombudsman framework.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Banking Ombudsman Scheme introduced in 2006.<\/li>\n\n\n\n<li>RB-IOS, 2026 became effective from 1 July 2026.<\/li>\n\n\n\n<li>Follows the &#8220;One Nation One Ombudsman&#8221; concept.<\/li>\n\n\n\n<li>Covers banks, NBFCs, PPIs, and Credit Information Companies.<\/li>\n\n\n\n<li>Complaint filing is completely free.<\/li>\n\n\n\n<li>Compensation can go up to \u20b930 lakh for consequential loss.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-rbi-integrated-ombudsman-scheme-rb-ios-2026\"><span class=\"ez-toc-section\" id=\"What_is_the_RBI_Integrated_Ombudsman_Scheme_RB-IOS_2026\"><\/span>What is the RBI Integrated Ombudsman Scheme (RB-IOS), 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The RBI Integrated Ombudsman Scheme (RB-IOS), 2026 is a unified grievance redress mechanism introduced by RBI. It combines different Ombudsman schemes into a single platform to make complaint handling easier for customers. The scheme provides a fast, transparent, and non-adversarial process for resolving customer complaints against regulated entities.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Feature<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Scheme Name<\/td><td>Reserve Bank \u2013 Integrated Ombudsman Scheme, 2026<\/td><\/tr><tr><td>Launch Date<\/td><td>1 July 2026<\/td><\/tr><tr><td>Complaint Cost<\/td><td>No fee<\/td><\/tr><tr><td>Complaint Portal<\/td><td>CMS Portal<\/td><\/tr><tr><td>Approach<\/td><td>One Nation One Ombudsman<\/td><\/tr><tr><td>Complaint Tracking<\/td><td>Available online<\/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\/jaiib-ie-and-ifs-module-c-practice-quiz\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Start Your Free JAIIB IE &amp; IFS Module C Live Practice Quiz Now!<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-entities-are-covered-under-the-rbi-integrated-ombudsman-scheme-2026\"><span class=\"ez-toc-section\" id=\"Which_entities_are_covered_under_the_RBI_Integrated_Ombudsman_Scheme_2026\"><\/span>Which entities are covered under the RBI Integrated Ombudsman Scheme, 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>RB-IOS, 2026 covers several categories of regulated entities supervised by RBI. This wider coverage ensures that customers can seek grievance redress for multiple financial services under one framework.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Covered Entities<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Banks<\/td><td>Commercial Banks, RRBs, Cooperative Banks<\/td><\/tr><tr><td>NBFCs<\/td><td>Eligible RBI-registered NBFCs<\/td><\/tr><tr><td>Payment System Participants<\/td><td>Prepaid Payment Instrument (PPI) Issuers<\/td><\/tr><tr><td>Credit Information Companies<\/td><td>RBI-regulated CICs<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Also Check,<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Related Topics<\/strong><\/td><td><strong>Link<\/strong><\/td><\/tr><tr><td>50 Most Repetitive JAIIB RBWM MCQs<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/50-most-repetitive-jaiib-rbwm-mcqs\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Click here to Check<\/a><\/td><\/tr><tr><td>50 Most Repetitive JAIIB PPB MCQs<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/50-most-repetitive-jaiib-ppb-mcqs\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Click here to Check<\/a><\/td><\/tr><tr><td>50 Most Repetitive JAIIB IE &amp; IFS MCQs<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/50-most-repetitive-jaiib-ie-ifs-mcqs\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Click here to Check<\/a><\/td><\/tr><tr><td>50 Most Repetitive JAIIB AFM MCQs<\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/most-repetitive-jaiib-afm-mcqs\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Click here to Check<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-compensation-available-under-rb-ios-2026\"><span class=\"ez-toc-section\" id=\"What_is_the_compensation_available_under_RB-IOS_2026\"><\/span>What is the compensation available under RB-IOS, 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>One of the major features of RB-IOS, 2026 is that it empowers the RBI Ombudsman to award compensation in deserving cases. Compensation depends on the facts of the case and the extent of deficiency in service.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Type of Compensation<\/strong><\/td><td><strong>Maximum Amount<\/strong><\/td><\/tr><tr><td>Consequential Loss<\/td><td>Up to \u20b930 lakh<\/td><\/tr><tr><td>Harassment and Mental Agony<\/td><td>Up to \u20b93 lakh<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-complaints-are-not-covered-under-rb-ios-2026\"><span class=\"ez-toc-section\" id=\"What_complaints_are_not_covered_under_RB-IOS_2026\"><\/span>What complaints are not covered under RB-IOS, 2026?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Not every complaint can be considered under the RBI Ombudsman framework. RBI has clearly defined the categories of non-maintainable complaints under the scheme.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Frivolous or abusive complaints.<\/li>\n\n\n\n<li>Complaints pending before courts or tribunals.<\/li>\n\n\n\n<li>Employer-employee disputes.<\/li>\n\n\n\n<li>Matters involving commercial decisions.<\/li>\n\n\n\n<li>Complaints without supporting information.<\/li>\n\n\n\n<li>Cases outside RBI&#8217;s regulatory jurisdiction.<\/li>\n\n\n\n<li>Disputes between regulated entities.<\/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\/jaiib-ie-and-ifs-module-b-practice-quiz\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">Start Your Free JAIIB IE &amp; IFS Module B Live Practice Quiz Now!<\/a><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-a-customer-appeal-against-the-rbi-ombudsman-s-decision\"><span class=\"ez-toc-section\" id=\"Can_a_customer_appeal_against_the_RBI_Ombudsmans_decision\"><\/span>Can a customer appeal against the RBI Ombudsman&#8217;s decision?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, RB-IOS, 2026 provides an appeal mechanism. A complainant can appeal against an Award within 30 days of receiving it. In special cases, an additional period of up to 30 days may be granted.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Particulars<\/strong><\/td><td><strong>Details<\/strong><\/td><\/tr><tr><td>Appeal Against<\/td><td>Award of RBI Ombudsman<\/td><\/tr><tr><td>Appeal Period<\/td><td>30 Days<\/td><\/tr><tr><td>Additional Extension<\/td><td>Up to 30 Days<\/td><\/tr><tr><td>Appellate Authority<\/td><td>RBI Appellate Authority<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Also Check:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Study Plan<\/strong><\/td><td><strong>Study Plan<\/strong><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/how-to-prepare-for-jaiib-ie-and-ifs-exam\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB IE And IFS Study Plan<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/how-to-prepare-for-jaiib-ppb\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB PPB Study Plan<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-afm-preparation\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB AFM Study Plan<\/a><\/td><td><a href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-rbwm-strategy\/?ref=contac-jaiibiobds-pq\" target=\"_blank\" rel=\"noreferrer noopener\">JAIIB RBWM Study Plan<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs\"><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-1784131724230\"><strong class=\"schema-faq-question\">1. What is the Banking Ombudsman Scheme?<\/strong> <p class=\"schema-faq-answer\">The Banking Ombudsman Scheme was an RBI grievance redress mechanism that has now been replaced by RB-IOS, 2026.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784131725048\"><strong class=\"schema-faq-question\">2. What is RB-IOS, 2026?<\/strong> <p class=\"schema-faq-answer\">RB-IOS, 2026 is the Reserve Bank \u2013 Integrated Ombudsman Scheme that provides a unified platform for customer complaints.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784131726019\"><strong class=\"schema-faq-question\">3. When did RB-IOS, 2026 come into effect?<\/strong> <p class=\"schema-faq-answer\">RB-IOS, 2026 came into effect on 1 July 2026.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784131726566\"><strong class=\"schema-faq-question\">4. Who can file a complaint under RB-IOS, 2026?<\/strong> <p class=\"schema-faq-answer\">Any customer affected by deficiency in service by a covered regulated entity can file a complaint.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1784131727091\"><strong class=\"schema-faq-question\">5. What is the time limit for approaching the RBI Ombudsman?<\/strong> <p class=\"schema-faq-answer\">A complaint must generally be filed within 90 days after the applicable response period or last communication from the regulated entity.<\/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\/iibf-annual-report\/\">IIBF Annual Report 2025-26, JAIIB CAIIB Exam Passing Rate<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/ravindra-sainis-jaiib-success-story-clearing-all-4-papers-in-his-1st-attempt-while-working-full-time\/\">Ravindra Saini\u2019s JAIIB Success Story: Clearing All 4 Papers in His 1st Attempt While Working Full-Time<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/jaiib-question-bank\/\">JAIIB Question Bank, Download 1000+ Free Paper-Wise Questions PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/50-most-repetitive-jaiib-ie-ifs-mcqs\/\">50 Most Repetitive MCQs for JAIIB IE &amp; IFS, Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/most-repetitive-jaiib-afm-mcqs\/\">50 Most Repetitive MCQs for JAIIB AFM 2026, Download PDF<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/www.oliveboard.in\/blog\/50-most-repetitive-jaiib-ppb-mcqs\/\">50 Most Repetitive MCQs for JAIIB PPB 2026, Download PDF<\/a><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Banking and financial customer protection is an important topic for the JAIIB Exam. Questions related to the Banking Ombudsman Scheme,<\/p>\n","protected":false},"author":2,"featured_media":247488,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10353],"tags":[],"class_list":["post-96153","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-jaiib","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>Banking Ombudsman Scheme 2026 for the JAIIB Exam, Check Details<\/title>\n<meta name=\"description\" content=\"Understand the Banking Ombudsman Scheme 2026 and its significance for financial customer protection in the JAIIB Exam.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banking Ombudsman Scheme 2026 for the JAIIB Exam, Check Details\" \/>\n<meta property=\"og:description\" content=\"Banking and financial customer protection is an important topic for the JAIIB Exam. 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Explore a range of mock tests and study material at www.oliveboard.in\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/#faq-question-1784131724230\",\"position\":1,\"url\":\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/#faq-question-1784131724230\",\"name\":\"1. What is the Banking Ombudsman Scheme?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The Banking Ombudsman Scheme was an RBI grievance redress mechanism that has now been replaced by RB-IOS, 2026.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/#faq-question-1784131725048\",\"position\":2,\"url\":\"https:\/\/www.oliveboard.in\/blog\/banking-ombudsman-scheme-jaiib\/#faq-question-1784131725048\",\"name\":\"2. 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