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₹30 Lakh Refund? RBI Integrated Ombudsman Scheme 2026 Explained In this video, we decode the latest "Reserve Bank - Integrated Ombudsman Scheme, 2026," notified by the RBI on January 16, 2026. This new framework replaces the 2021 scheme and introduces massive changes in consumer protection, including raising the compensation limit to ₹30 Lakh. We analyze the key features, the CRPC workflow, and the exam-relevant data points regarding exclusions (HFCs) and valid grounds for complaints. Target Exams: 🎯 RBI Grade B (Phase 1 & 2) 🎯 SBI PO & Clerk (Mains - General Awareness) 🎯 IBPS PO & Clerk (Mains) 🎯 UPSC CSE (Economy - GS Paper 3) 🎯 SSC CGL (Financial Awareness) What is Covered: ✅ New Compensation Limits: detailed breakdown of the hike to ₹30 Lakh for financial loss and ₹3 Lakh for mental agony. ✅ Coverage & Exclusions: Which entities are covered (Banks, NBFCs, CICs) and why HFCs are excluded. ✅ CRPC Workflow: Understanding how the Centralized Receipt and Processing Centre (Chandigarh) filters complaints. ✅ Valid Grounds: A list of what you can complain about (ATM failures, loans) vs. what is rejected (Commercial decisions). ✅ Internal Ombudsman 2026: The new auto-escalation rules for banks to resolve issues internally within 30 days. Hashtags: #RBI #RBIGradeB2026 #BankingAwareness #IntegratedOmbudsmanScheme #UPSC #IBPSPO #SBIPO #CurrentAffairs2026 #ConsumerProtection #FinancialAwareness #RBIUpdates #GovtJobs #BankExams #Economy #GeneralAwareness STUDY SMART APP LINK👉 https://bit.ly/3DVGpJd STUDY SMART Website👉 https://studysmart.guru/ WHATSAPP +91-9870164665 📌*Current Affairs Videos 2025:* • No OTP, No Fingerprint? IPPB Aadhaar Face ... 📌Current Affairs Shorts 2025: • 2023 Global TB Report | India's success in... 📌Reasoning Fo Bank Exams 2025: • Box Based & Linear Sitting Puzzle | Reason... 📌Banking Awareness Shorts: • "सरकारी बैंक" ही Scheduled Bank हैं? What ... 📌Speed Maths 2025: • Speed Maths | Fast Calculation Tricks | Cl... 𝐅𝐑𝐄𝐄 𝐌𝐀𝐓𝐇𝐒 𝐕𝐈𝐃𝐄𝐎𝐒 𝐏𝐋𝐀𝐘𝐋𝐈𝐒𝐓 ⚡Simple & Compound Interest👉 • Simple and Compound Interest Concept & Tri... ⚡Speed Maths for Faster Calculation👉 • Speed Maths for Faster Calculation ⚡Time Speed & Distance👉 • Time Speed and Distance for SBI PO IBPS PO... ⚡Profit and Loss👉 • Profit and Loss for BANK PO & CLERK and SS... ⚡Time and Work👉 • Time and Work Tricks and Shortcuts ⚡Quadratic Equations👉 • Quadratic Equation for All Govt. Exams ⚡Mixture and Alligations👉 • Mixture and Alligation Complete Approach w... ⚡Ratio & Proportions👉 • Ratio and Proportion Complete Approach wit... ⚡Percentages👉 • Percentage Problems Tricks and Shortcuts f... 𝐅𝐑𝐄𝐄 𝐂𝐨𝐦𝐩𝐮𝐭𝐞𝐫 𝐀𝐰𝐚𝐫𝐞𝐧𝐞𝐬𝐬 𝐏𝐋𝐀𝐘𝐋𝐈𝐒𝐓 ⚡Computer Awareness👉 • Computer Awareness 2021 for Govt. Exams 𝐅𝐑𝐄𝐄 𝐑𝐄𝐀𝐒𝐎𝐍𝐈𝐍𝐆 𝐏𝐋𝐀𝐘𝐋𝐈𝐒𝐓 ⚡Reasoning Course👉 • Reasoning Basic to Advance for SBI PO | IB... ⚡Reasoning Practice Class👉 • IBPS PO 2022 Reasoning Crash Course ⚡Reasoning Puzzles Basics👉 • Reasoning Seating Arrangement & Puzzle Course 𝙎𝙊𝘾𝙄𝘼𝙇 𝙇𝙄𝙉𝙆𝙎 📌 Join Telegram Group :https://telegram.me/studysmart0 📌 Instagram: https://bit.ly/3H1EvtW 📌 Join Telegram Channel : https://telegram.me/studysmart00 📌 Like Our Facebook Page: https://goo.gl/s4l4ZO 📌 Follow us on Twitter: https://goo.gl/rvVpDL 📌 Join Our Facebook Group : https://goo.gl/fGDu1d ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ Thank You Chandrahas