BANKING GENERAL KNOWLEDGE
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Question
[CLICK ON ANY CHOICE TO KNOW THE RIGHT ANSWER]
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is in charge of bank loan for buses
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fixes the rates of interest for loans
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resolves complaints of customers
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is the head of all nationalized banks
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Detailed explanation-1: -An RBI Ombudsman is a senior official of RBI appointed by RBI to redress the complaints from customers of the REs against “deficiency in service”, as defined under Clause 3(1)(g) of the RB-IOS, 2021.
Detailed explanation-2: -After a receipt of complaint, the Banking Ombudsman will try to settle the complaint through conciliation (agreement) between the aggrieved parties. If a complaint is not settled by an agreement within a period of one month, the Ombudsman proceeds to pass an award.
Detailed explanation-3: -The Banking Ombudsman is a senior official appointed by the Reserve Bank of India to redress customer complaints against deficiency in certain banking services covered under the grounds of complaint specified under Clause 8 of the Banking Ombudsman Scheme 2006 (As amended upto July 1, 2017).
Detailed explanation-4: -Here are the grounds under which you can raise a complaint with the banking ombudsman; Inordinate delay in the payment, or non-payment, delay in collection of cheques, drafts, bills etc. Bank not accepting, small denomination notes, and/or coins without any sufficient cause, and charging commission in respect thereof.
Detailed explanation-5: -Where can I complain if I have a problem with my Bank? You can raise your grievance on the Digital Complaint Management System (CMS) Portal: https://cms.rbi.org.in/cms/IndexPage.aspx. This this is the unified portal for Banking, NBFC as well as Digital Transactions related grievances.