RBI ne sabhi banks ko customer ki shikayaton ka 'root-cause analysis' karne ka order diya hai. FY25 mein complaints **13.55%** badhkar **1.33 million** tak pahunch gayi hain, jiske baad ab banks ko internal system tight karna padega.
RBI ka naya dand
RBI ne saaf keh diya hai ki banks ab sirf customer ki shikayaton ko bina solve kiye band nahi kar sakte. FY25 mein total 1.33 million complaints aayi hain, jo pichle saal ke mukable 13.55% zyada hain. Central bank chahta hai ki banks har problem ki jadh tak jayein aur process ki galti ko sudharein.
Kahan ho rahi hain sabse zyada dikkat?
Data ke hisaab se, 29.25% shikayatein sirf Loans aur Advances se judi hain, aur 20.04% credit card related hain. In total cases mein se 81.53% ki zimmedari banks ki hi nikli hai. Private banks ka share 37.53% raha, jabki Public sector banks 34.80% par rahe.
Investors ke liye kya hai catch?
Ab 'Reserve Bank – Integrated Ombudsman Scheme (RB-IOS), 2026' ke tehat, agar banks ne andar hi mamla nahi suljhaya, toh Ombudsman bhari fine laga sakta hai. ₹30 lakh tak ka compensation consequential loss ke liye aur ₹3 lakh tak ka mental harassment ke liye dena pad sakta hai.
Iska matlab hai ki banks ko ab technology aur staff training par zyada kharcha karna padega. Investor ke taur par, ab management ki commentary mein 'operational expenses' aur 'internal audit' par nazrein rakhna zaroori hoga, kyunki ye banks ke bottom line ko directly hit kar sakta hai.