{"what_this_is":"The machine-readable twin of the BankPulse page for one RBI rulebook. Same points, same dates, same paragraph references as the page a person reads. RBI's own wording is not reproduced here: each point names the RBI paragraph, the character offset into the text BankPulse read and the sha256 of that text, so the claim can be checked against RBI's own document.","schema_version":1,"release_id":"d653cdb0a5","generated_at":"2026-09-15T00:33:59.117975+00:00","id":"md13276","title":"Reserve Bank of India (Credit Information Companies - Internal Ombudsman) Directions, 2026","document_kind":"Directions","page":"https://bankpulse.ai/rule/md13276","status":"In force","importance":{"code":"MR","label":"MUST READ","weight":"Must read","why":"Binding RBI Directions naming this institution class in the title","layer":"bankpulse_inference"},"applies_to":{"shown":"Credit information companies","class_code":"CIC","from":"the document's own title","layer":"bankpulse_inference"},"dates":{"prid":"md13276","mode":"four_dates_v1","published":{"label":"Published","value":"Jan 14, 2026","stated":true,"why":"The day RBI put this document out."},"effective":{"label":"Starts to apply","value":"","stated":false,"why":"Not stated separately in this document. Read the rule itself before you assume a start date."},"transition":{"label":"Time to get ready","value":"","stated":false,"why":"Cannot be worked out until the day it starts to apply is known."},"deadline":{"label":"Last date to act","value":"June 30, 2026","stated":true,"why":"The day by which the work this rule asks for must be finished."},"sources":{"published":"doc_date in data/highlights/md13276.json","effective":"none held","transition":"none held","deadline":"data/date_kinds.json kind=compliance_deadline"}},"rbi_source":{"url":"https://rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=13276","document_date":"Jan 14, 2026","read_by_bankpulse":"2026-08-21 16:27:44 UTC","text_sha256":"8985605e9fcd8257a4e70c9cbf51ce8a1d11a5725ac1628e6140f5cf73a97a81","word_count":3874,"standing_last_checked":"Standing checked on RBI’s Master Directions index, 15 September 2026, 5:58 am IST."},"counts":{"points_shown":68,"points_naming_an_rbi_paragraph":68,"points_stored":68,"actions":0,"amendments":0},"points":[{"n":1,"claim":"md13276-ec7e4f48","page_group":"Opening paragraphs","stored_section":"THE CORE IDEA","heading":"Why it exists","plain_english":"A complaint must be looked at again by a senior person before it is finally refused.","rbi_paragraph":"Opening paragraphs","rbi_char_offset":2309,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p1","layer":"bankpulse"},{"n":2,"claim":"md13276-06b718a8","page_group":"Opening paragraphs","stored_section":"THE CORE IDEA","heading":"What this book does","plain_english":"This book creates an internal ombudsman to review complaints that were refused.","rbi_paragraph":"Opening paragraphs","rbi_char_offset":2228,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p2","layer":"bankpulse"},{"n":1,"claim":"md13276-4e62329b","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Start date","plain_english":"These rules took effect at once.","rbi_paragraph":"Para 1(2)","rbi_char_offset":2768,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p3","layer":"bankpulse"},{"n":2,"claim":"md13276-e5abf19c","page_group":"Chapter I. Preliminary","stored_section":"KEY DATES","heading":"Three clauses have a deadline","plain_english":"Three of the clauses had to be met by 30 June 2026.","rbi_paragraph":"Para 1(4)","rbi_char_offset":2865,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p4","layer":"bankpulse"},{"n":3,"claim":"md13276-82c1966c","page_group":"Chapter I. Preliminary","stored_section":"WHO IT APPLIES TO","heading":"Who is covered","plain_english":"These rules bind every credit information company, whatever its size.","rbi_paragraph":"Para 3(1)","rbi_char_offset":3422,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p5","layer":"bankpulse"},{"n":4,"claim":"md13276-ca10c8dc","page_group":"Chapter I. Preliminary","stored_section":"WHO SHOULD ACT","heading":"Who may overrule","plain_english":"Only the managing director or chief executive may overrule the ombudsman here.","rbi_paragraph":"Para 4(1)","rbi_char_offset":3728,"weight":"BACKGROUND","role":"Board","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p6","layer":"bankpulse"},{"n":5,"claim":"md13276-3e6834b8","page_group":"Chapter I. Preliminary","stored_section":"WHAT CHANGES","heading":"Words from the Acts","plain_english":"Any other word takes its meaning from the Banking Regulation Act or the RBI Act.","rbi_paragraph":"Para 4(2)","rbi_char_offset":5648,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p7","layer":"bankpulse"},{"n":1,"claim":"md13276-eccfc725","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"Seven years of experience","plain_english":"The ombudsman needs at least seven years in banking, regulation, payments or consumer protection.","rbi_paragraph":"Para 5(1)","rbi_char_offset":6419,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p8","layer":"bankpulse"},{"n":2,"claim":"md13276-70a89ce2","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"Never worked here","plain_english":"The ombudsman must never have worked for this entity, its holding company or its subsidiary.","rbi_paragraph":"Para 5(2)","rbi_char_offset":6768,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p9","layer":"bankpulse"},{"n":3,"claim":"md13276-acde01fd","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"Age limit","plain_english":"The ombudsman must not pass 70 years of age before the term ends.","rbi_paragraph":"Para 5(3)","rbi_char_offset":6916,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p10","layer":"bankpulse"},{"n":4,"claim":"md13276-d2fc6dbf","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"Five years for a deputy","plain_english":"A deputy needs at least five years of relevant working experience.","rbi_paragraph":"Para 6(1)","rbi_char_offset":7484,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p11","layer":"bankpulse"},{"n":5,"claim":"md13276-11a63dd4","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Never leave the seat empty","plain_english":"The post must never fall vacant. The deputy stands in when the ombudsman is away.","rbi_paragraph":"Para 7(2)","rbi_char_offset":9008,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p12","layer":"bankpulse"},{"n":6,"claim":"md13276-cadc7960","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"A stand-in for one month","plain_english":"If both are away, a serving officer of general manager rank may stand in for one month.","rbi_paragraph":"Para 7(3)","rbi_char_offset":9317,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p13","layer":"bankpulse"},{"n":7,"claim":"md13276-83dae7fb","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"The stand-in reports nowhere","plain_english":"That stand-in must not report to any business line while acting as ombudsman.","rbi_paragraph":"Para 7(3)","rbi_char_offset":9448,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p14","layer":"bankpulse"},{"n":8,"claim":"md13276-91cbf8f2","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"KEY DATES","heading":"Three years at least","plain_english":"A term must be fixed and must not be shorter than three years.","rbi_paragraph":"Para 7(4)","rbi_char_offset":9633,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p15","layer":"bankpulse"},{"n":9,"claim":"md13276-95285c22","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"KEY DATES","heading":"Five years at most","plain_english":"Counting every extension, one person may not serve beyond five years.","rbi_paragraph":"Para 7(4)","rbi_char_offset":9785,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p16","layer":"bankpulse"},{"n":10,"claim":"md13276-31b72777","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"No removal without the committee","plain_english":"The ombudsman may not be removed mid-term without the committee's approval.","rbi_paragraph":"Para 7(6)","rbi_char_offset":10121,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p17","layer":"bankpulse"},{"n":11,"claim":"md13276-81a8ee77","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Tell RBI within ten days","plain_english":"If the post falls vacant for any other reason, tell RBI within 10 working days.","rbi_paragraph":"Para 7(6)","rbi_char_offset":10409,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p18","layer":"bankpulse"},{"n":12,"claim":"md13276-5e0f377f","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"KEY DATES","heading":"Fill it within three months","plain_english":"A new ombudsman must be appointed within three months of the vacancy.","rbi_paragraph":"Para 7(6)","rbi_char_offset":10619,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p19","layer":"bankpulse"},{"n":13,"claim":"md13276-d7aed462","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"IMPACT","heading":"Pay may not be cut","plain_english":"Once the pay and benefits are set, they may not be worsened during the term.","rbi_paragraph":"Para 7(7)","rbi_char_offset":11109,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p20","layer":"bankpulse"},{"n":14,"claim":"md13276-06b9bc12","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"Audit may not judge decisions","plain_english":"That audit must not judge whether the ombudsman decided a case rightly.","rbi_paragraph":"Para 9(2)","rbi_char_offset":12937,"weight":"MUST KNOW","role":"Audit","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p21","layer":"bankpulse"},{"n":15,"claim":"md13276-40f5a038","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"KEY DATES","heading":"Report every quarter","plain_english":"Reports go to the committee every quarter, and never less often than every six months.","rbi_paragraph":"Para 13(2)","rbi_char_offset":15463,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p22","layer":"bankpulse"},{"n":16,"claim":"md13276-ee558db9","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Leave the old post first","plain_english":"A serving officer must give up that post before taking charge as ombudsman.","rbi_paragraph":"Para 5(1)","rbi_char_offset":6702,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p23","layer":"bankpulse"},{"n":17,"claim":"md13276-919f46e5","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"Rank of the deputy","plain_english":"A deputy ombudsman must rank with a deputy general manager.","rbi_paragraph":"Para 6(1)","rbi_char_offset":7245,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p24","layer":"bankpulse"},{"n":18,"claim":"md13276-d53cfee3","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"At least one ombudsman","plain_english":"Every covered entity must appoint at least one ombudsman.","rbi_paragraph":"Para 7(1)","rbi_char_offset":8189,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p25","layer":"bankpulse"},{"n":19,"claim":"md13276-b4219438","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Count them once a year","plain_english":"The committee must decide once a year how many ombudsmen are needed.","rbi_paragraph":"Para 7(2)","rbi_char_offset":8282,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p26","layer":"bankpulse"},{"n":20,"claim":"md13276-379a0cb6","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"Spread the experience","plain_english":"Where more are appointed, their experience should differ and their work should be split.","rbi_paragraph":"Para 7(3)","rbi_char_offset":8689,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p27","layer":"bankpulse"},{"n":21,"claim":"md13276-9255232d","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"Overlap the two","plain_english":"The outgoing and incoming ombudsman should overlap for a reasonable time.","rbi_paragraph":"Para 7(5)","rbi_char_offset":9991,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p28","layer":"bankpulse"},{"n":22,"claim":"md13276-017428c0","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Give the office staff","plain_english":"The entity must give the ombudsman's office as many officers and staff as it needs.","rbi_paragraph":"Para 9(1)","rbi_char_offset":11499,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p29","layer":"bankpulse"},{"n":23,"claim":"md13276-0a5e1a48","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Give it the systems","plain_english":"Office space and information technology support must be provided as well.","rbi_paragraph":"Para 9(2)","rbi_char_offset":11658,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p30","layer":"bankpulse"},{"n":24,"claim":"md13276-85d45c1c","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"Place it at the top","plain_english":"The office should sit at the head office or the corporate office.","rbi_paragraph":"Para 9(3)","rbi_char_offset":11886,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p31","layer":"bankpulse"},{"n":25,"claim":"md13276-748324b8","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"An audit every year","plain_english":"Internal audit must check every year that these rules are being followed.","rbi_paragraph":"Para 9(1)","rbi_char_offset":12044,"weight":"DO IT","role":"Audit","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p32","layer":"bankpulse"},{"n":26,"claim":"md13276-02e45b96","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Study the pattern each quarter","plain_english":"Every quarter the office must study the pattern of all complaints received.","rbi_paragraph":"Para 12(6)","rbi_char_offset":14348,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p33","layer":"bankpulse"},{"n":27,"claim":"md13276-62dd4d31","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Fix the root cause","plain_english":"The ombudsman must suggest how to stop complaints of the same kind recurring.","rbi_paragraph":"Para 12(7)","rbi_char_offset":14608,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p34","layer":"bankpulse"},{"n":28,"claim":"md13276-c06e691e","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Every overrule is reviewed","plain_english":"Every case that was overruled must be placed before the committee for review.","rbi_paragraph":"Para 13(4)","rbi_char_offset":15888,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p35","layer":"bankpulse"},{"n":29,"claim":"md13276-9a286297","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"May serve two entities","plain_english":"One person may serve as ombudsman in more than one entity, if both boards agree.","rbi_paragraph":"Para 5(4)","rbi_char_offset":6998,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p36","layer":"bankpulse"},{"n":30,"claim":"md13276-4f48afdd","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"The post is contractual","plain_english":"The ombudsman is appointed on contract, not as an employee.","rbi_paragraph":"Para 7(1)","rbi_char_offset":8928,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p37","layer":"bankpulse"},{"n":31,"claim":"md13276-e5ec91a6","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Two reporting lines","plain_english":"The ombudsman reports to the competent authority for administration and to the committee for work.","rbi_paragraph":"Para 9(1)","rbi_char_offset":11227,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p38","layer":"bankpulse"},{"n":32,"claim":"md13276-d4a7be26","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"No direct complaints","plain_english":"The ombudsman does not take complaints from customers or from the public.","rbi_paragraph":"Para 12(1)","rbi_char_offset":13169,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p39","layer":"bankpulse"},{"n":33,"claim":"md13276-1be7cb08","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHAT CHANGES","heading":"Only refused complaints","plain_english":"The office sees only complaints already examined and then refused or part settled.","rbi_paragraph":"Para 12(1)","rbi_char_offset":13286,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p40","layer":"bankpulse"},{"n":34,"claim":"md13276-059a7993","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"IMPACT","heading":"Extra for time and trouble","plain_english":"More may be recommended for lost time, expenses, harassment and mental agony.","rbi_paragraph":"Para 12(5)","rbi_char_offset":14133,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p41","layer":"bankpulse"},{"n":35,"claim":"md13276-36077ce1","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"A seat at the committee","plain_english":"The ombudsman is a permanent invitee to the committee's meetings.","rbi_paragraph":"Para 13(1)","rbi_char_offset":15166,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p42","layer":"bankpulse"},{"n":36,"claim":"md13276-2d3ef720","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"IMPACT","heading":"Only one person may overrule","plain_english":"A decision of the ombudsman may be overruled only by the competent authority.","rbi_paragraph":"Para 13(3)","rbi_char_offset":15711,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p43","layer":"bankpulse"},{"n":37,"claim":"md13276-173867a3","page_group":"Chapter II. Office of the Internal Ombudsman","stored_section":"WHO SHOULD ACT","heading":"Show what RBI decided","plain_english":"Cases the RBI ombudsman decided for the customer go to the committee each quarter.","rbi_paragraph":"Para 13(5)","rbi_char_offset":16061,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p44","layer":"bankpulse"},{"n":1,"claim":"md13276-61ea84e0","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"KEY DATES","heading":"Thirty days to answer","plain_english":"The final decision must reach the customer within 30 days of the complaint.","rbi_paragraph":"Para 14(9)","rbi_char_offset":19849,"weight":"MUST KNOW","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":"A complaint reaches the credit information company on 1 September. The final decision must reach the customer within 30 days, which is by 1 October.","anchor":"https://bankpulse.ai/rule/md13276#p45","layer":"bankpulse"},{"n":2,"claim":"md13276-f853103b","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHAT CHANGES","heading":"Keep the name private","plain_english":"The ombudsman's contact details must not be published, because customers may not write directly.","rbi_paragraph":"Para 14(17)","rbi_char_offset":22331,"weight":"MUST KNOW","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p46","layer":"bankpulse"},{"n":3,"claim":"md13276-84bffb9a","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHAT CHANGES","heading":"An automatic system","plain_english":"A fully automatic complaint system must send every refused complaint to the office.","rbi_paragraph":"Para 14(1)","rbi_char_offset":16558,"weight":"DO IT","role":"Technology","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p47","layer":"bankpulse"},{"n":4,"claim":"md13276-74264cb6","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHO SHOULD ACT","heading":"Write the procedure down","plain_english":"A standard operating procedure must set out how complaints and information move.","rbi_paragraph":"Para 14(3)","rbi_char_offset":17276,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p48","layer":"bankpulse"},{"n":5,"claim":"md13276-5d1a2204","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHO SHOULD ACT","heading":"Write down the reason","plain_english":"The ombudsman must record a reasoned decision in every case.","rbi_paragraph":"Para 14(10)","rbi_char_offset":19997,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p49","layer":"bankpulse"},{"n":6,"claim":"md13276-432b397f","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHO SHOULD ACT","heading":"Say it was reviewed","plain_english":"Where the refusal stands, the reply must say the ombudsman reviewed it.","rbi_paragraph":"Para 14(11)","rbi_char_offset":20155,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p50","layer":"bankpulse"},{"n":7,"claim":"md13276-f6afbfa7","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHO SHOULD ACT","heading":"Point to RBI's ombudsman","plain_english":"A customer still refused must be told he may go to the RBI ombudsman.","rbi_paragraph":"Para 14(12)","rbi_char_offset":20379,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p51","layer":"bankpulse"},{"n":8,"claim":"md13276-415717ab","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHO SHOULD ACT","heading":"Send the decision upward","plain_english":"When a case goes to the RBI ombudsman, the internal decision must go with it.","rbi_paragraph":"Para 14(13)","rbi_char_offset":20977,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p52","layer":"bankpulse"},{"n":9,"claim":"md13276-0560a743","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHO SHOULD ACT","heading":"Teach the staff","plain_english":"The pattern of complaints must be used in staff training to make handling consistent.","rbi_paragraph":"Para 14(14)","rbi_char_offset":21304,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p53","layer":"bankpulse"},{"n":10,"claim":"md13276-30827a2c","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHO SHOULD ACT","heading":"Compare with RBI's rulings","plain_english":"The committee must count the cases where RBI's ombudsman decided differently.","rbi_paragraph":"Para 14(15)","rbi_char_offset":21915,"weight":"DO IT","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p54","layer":"bankpulse"},{"n":11,"claim":"md13276-f2a5e7cd","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHO SHOULD ACT","heading":"Tell the whole staff","plain_english":"The appointment and these rules must be told to every branch and office.","rbi_paragraph":"Para 14(16)","rbi_char_offset":22103,"weight":"DO IT","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p55","layer":"bankpulse"},{"n":12,"claim":"md13276-26dd75cd","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHAT CHANGES","heading":"Only three labels","plain_english":"A complaint may be marked only fully resolved, partly resolved or wholly rejected.","rbi_paragraph":"Para 14(2)","rbi_char_offset":16911,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p56","layer":"bankpulse"},{"n":13,"claim":"md13276-5b7b0fae","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHAT CHANGES","heading":"A senior look first","plain_english":"A refused or part settled complaint is reviewed at a fairly senior level first.","rbi_paragraph":"Para 14(4)","rbi_char_offset":17624,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p57","layer":"bankpulse"},{"n":14,"claim":"md13276-93ba77a5","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHAT CHANGES","heading":"What is left out","plain_english":"Fraud without customer harm, staff matters and court cases are outside these rules.","rbi_paragraph":"Para 14(5)","rbi_char_offset":17751,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p58","layer":"bankpulse"},{"n":15,"claim":"md13276-f8697783","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHO SHOULD ACT","heading":"Send the doubtful ones anyway","plain_english":"Refused complaints under the first two headings still go to the ombudsman for a view.","rbi_paragraph":"Para 14(5)","rbi_char_offset":18646,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p59","layer":"bankpulse"},{"n":16,"claim":"md13276-78787318","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHAT CHANGES","heading":"Decide on the records","plain_english":"The ombudsman decides from the entity's records and the customer's own papers.","rbi_paragraph":"Para 14(6)","rbi_char_offset":19090,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p60","layer":"bankpulse"},{"n":17,"claim":"md13276-97a7b943","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHAT CHANGES","heading":"May ask for more","plain_english":"The ombudsman may meet staff and call for any further record that is needed.","rbi_paragraph":"Para 14(7)","rbi_char_offset":19433,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p61","layer":"bankpulse"},{"n":18,"claim":"md13276-9198d09d","page_group":"Chapter IV. Procedural Guidelines for CIC","stored_section":"WHAT CHANGES","heading":"May ask the customer","plain_english":"The ombudsman may seek written or spoken submissions from the customer.","rbi_paragraph":"Para 14(8)","rbi_char_offset":19655,"weight":"BACKGROUND","role":"Branch","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p62","layer":"bankpulse"},{"n":1,"claim":"md13276-156b7bc1","page_group":"Chapter V. Regulatory and Supervisory Oversight by the Reserve Bank","stored_section":"KEY DATES","heading":"A quarterly return","plain_english":"A report on the ombudsman's work goes to RBI every quarter, in RBI's own format.","rbi_paragraph":"Para 16(2)","rbi_char_offset":23871,"weight":"MUST KNOW","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p63","layer":"bankpulse"},{"n":2,"claim":"md13276-6d844ddd","page_group":"Chapter V. Regulatory and Supervisory Oversight by the Reserve Bank","stored_section":"WHAT CHANGES","heading":"Supervision covers this","plain_english":"RBI's supervision department reviews how these rules are being followed.","rbi_paragraph":"Para 15(1)","rbi_char_offset":22715,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p64","layer":"bankpulse"},{"n":3,"claim":"md13276-54635411","page_group":"Chapter V. Regulatory and Supervisory Oversight by the Reserve Bank","stored_section":"WHAT CHANGES","heading":"RBI may study refusals","plain_english":"RBI may review cases where the entity did not accept the ombudsman's decision.","rbi_paragraph":"Para 15(2)","rbi_char_offset":22880,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p65","layer":"bankpulse"},{"n":4,"claim":"md13276-5cbab9c8","page_group":"Chapter V. Regulatory and Supervisory Oversight by the Reserve Bank","stored_section":"KEY DATES","heading":"Due by the fifteenth","plain_english":"That report is due on or before the 15th day of the month after the quarter.","rbi_paragraph":"Para 16(2)","rbi_char_offset":24120,"weight":"BACKGROUND","role":"Compliance","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p66","layer":"bankpulse"},{"n":1,"claim":"md13276-3bb77c65","page_group":"Chapter VI. Repeal Provisions","stored_section":"WHAT IT REPLACES","heading":"Old scheme repealed","plain_english":"The Internal Ombudsman Directions of 2023 stand repealed by this book.","rbi_paragraph":"Para 17(1)","rbi_char_offset":24468,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p67","layer":"bankpulse"},{"n":2,"claim":"md13276-7ef102c8","page_group":"Chapter VI. Repeal Provisions","stored_section":"WHAT IT REPLACES","heading":"Earlier appointments stand","plain_english":"Appointments and actions taken under the old rules continue to hold good.","rbi_paragraph":"Para 17(2)","rbi_char_offset":24489,"weight":"BACKGROUND","role":"All staff","team":null,"products_covered":[],"products_excluded":[],"bankpulse_example":null,"anchor":"https://bankpulse.ai/rule/md13276#p68","layer":"bankpulse"}],"actions":[],"amendments":[],"layers":{"rbi_source":"Facts taken from RBI's own document.","bankpulse":"BankPulse's plain-English summary of RBI's document.","bankpulse_inference":"BankPulse's own inference, not stated by RBI."},"rbi_wording_not_included":"By design. BankPulse never republishes RBI's exact sentences. Use rbi_paragraph with rbi_source.url to read RBI's own words.","terms":"BankPulse's plain-English summaries are BankPulse's own work. The underlying regulation is the Reserve Bank of India's. 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