RBI Integrated Ombudsman Scheme, 2026

In order to provide an effective system for redressal of customer complaints, the Reserve Bank of India (RBI) has issued the “Integrated Ombudsman Scheme, 2026” (hereinafter referred to as the “Integrated Scheme”) for the expeditious and cost-effective resolution of grievances relating to services provided by entities regulated by the RBI. The Scheme follows the “One Nation, One Ombudsman” approach, making the Ombudsman mechanism jurisdiction-neutral.

Vaibhav Vyapaar Private Limited, being a Non-Banking Financial Company (NBFC), has adopted the Integrated Scheme as notified by the RBI. The Scheme lays down the powers and functions of the Ombudsman, the procedure for grievance redressal, and the jurisdiction of the Ombudsman.

In accordance with Paragraph 18 of the Scheme, the Company ensures that customers are fully informed about the purpose of the Scheme and the remedies available under it. The salient features of the Scheme are displayed in English, Hindi, and the regional language at all our offices and branches. A copy of the Scheme is available at all branches and can be provided upon request.

The Company has appointed a Principal Nodal Officer to represent the Company and to handle complaints under the Scheme. The contact details of the Principal Nodal Officer, along with the address of the Centralised Receipt and Processing Centre and the link to the RBI Ombudsman portal, are displayed prominently at all branches and on the Company’s website.

If a customer is not satisfied with the resolution provided by the Company or if no response is received within 30 days, the customer may approach the RBI Ombudsman through any of the following modes:

  • Online: https://cms.rbi.org.in
  • Physical/Electronic Submission: Centralized Receipt and Processing Centre (CRPC), Reserve Bank of India, Central Vista, Sector 17, Chandigarh - 160 017.
  • Toll-Free Contact Centre: 14448 (9:30 AM to 5:00 PM)

Link to the Scheme ( https://rbidocs.rbi.org.in/rdocs/content/pdfs/SCHEME16012026_A.pdf )