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EXCLUSIVE


HOW TO FILE A COMPLAINT AGAINST RBI REGULATED ENTITY UNDER THE INTEGRATED
OMBUDSMAN SCHEME

A complaint under the scheme does not hold good unless a written complaint was
made to the concerned entity and was wholly or partly rejected by the entity, or
the complainant is not satisfi ed with the resolution offered by the entity.

 * ET CONTRIBUTORS
 * December 03, 2022, 13:46 IST

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Any person who has a grievance or complaint against a Reserve Bank of India
(RBI) regulated entity, such as a bank, non-banking fi nancial company (NBFC),
or payment system participant, can lodge their complaint through a centralised
complaint redressal system under the Integrated Ombudsman Scheme, 2021.

Where to lodge complaint?
A complaint can be made on https://cms. rbi.org.in or by calling the helpline
number 14440. The complaint may be lodged online or by fi ling a physical
complaint and submitting the same at Centralised Receipt and Processing Centre
(CRPC) at RBI, 4th Floor, Sector 17, Chandigarh, 160017. Alternatively, an email
can be sent to crpc@rbi.org.in.

Conditions
A complaint under the scheme does not hold good unless a written complaint was
made to the concerned entity and was wholly or partly rejected by the entity, or
the complainant is not satisfi ed with the resolution offered by the entity. The
complaint under the scheme needs to be made within one year after a reply is
received by the complainant from the regulated entity.



Process
Once a complaint is fi led on the portal, it is scrutinised. If it is found
valid, it is assigned to the offi ce of the Ombudsman for further examination. A
copy of the complaint is also sent to the RBI regulated entity with a direction
for them to submit their response. The Ombudsman may call for any
information/certifi ed copies of documents with reference to the complaint as
may be required. Settlement of the complaint is carried out by the Ombudsman
through facilitation, conciliation or mediation.

Points to note

 * The complaint can be made in English, Hindi or any of the nine regional
   languages (Bengali, Gujarati, Kannada, Odia, Malayalam, Marathi, Punjabi,
   Tamil and Telugu).
 * The RBI does not charge any fees for early redressal of complaints through
   third-party agencies.

Content on this page is courtesy Centre for Investment Education and Learning
(CIEL).
Contributions by Girija Gadre, Arti Bhargava and Labdhi Mehta.


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EXCLUSIVE


BANKS TURN CAUTIOUS IN CORPORATE LENDING AS CREDIT GROWTH HITS RECORD HIGH

Wary of higher NPAs like the ones ratcheted up in the last decade, banks are
avoiding risky proposals from corporates with ratings of BB and below.

 * ETBFSI

Click Here to Read This Story
 * 
 * 
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 * 
 * 

The yields have also increased by 255 basis points (bps) since April 2022 and
was at 6.92 per cent in October 2022, he says in the report.With credit demand
at record highs, banks have turned cautious and are raising parameters for
lending.

Banks are avoiding risky proposals and turning down loan requests from
corporates with lower credit rating.

However, with interest rates rising and loans becoming more expensive, banks are
worrying about the repayment capacity.



“The only thing when we do underwriting is we should see that it should suit our
appetite. Appetite is not in terms of how much NPA we can have; it should rather
be how much lower NPA we should have,” said Dinesh Khara, Chairman, SBI, while
addressing the media on November 5, according to a report.

“We should identify the risk and have the mitigations in place. And as long as
we’re in a position to do that, we will not like to touch the credit which is
not in line with our risk appetite,” he added.
SBI is now turning down loan requests from companies with ratings of BB and
below, said the report.
The gross and net NPAs at 3.52 per cent and 0.8 per cent, respectively in Q2
FY23, which is the best level since fiscal 2002.

Industry credit growth
The credit outstanding of the industry segment registered a robust growth of
12.6 per cent y-o-y in September 2022 from 1.7 per cent in the year-ago period.
The growth was due to robust growth in the MSMEs (29.6%) which were driven by
ECLGS, inflation-induced working capital requirements, ease of doing business
supported by increasing digitisation in the banking system for faster loan
turnarounds and demand for new capex. The demand for the new capex is taking
place with rising demand from infrastructure (road, telecom, renewables), auto
and consumer durable companies. The large enterprise segment (share of 75.7 per
cent within the industry) reported a growth of 7.9% from a drop of 2.1 per cent
over a year ago.



All the industry sub-segments witnessed growth in credit in September 2022.
Petroleum, coal products and nuclear fuels witnessed the highest growth of 75.9
per cent y-o-y vs 20.3 per cent in the year-ago period due to higher working
capital requirements driven by high crude oil prices and currency depreciation,
followed by the chemical and chemical products which rose 22.5 per cent y-o-y
versus marginal growth of 1.9 per cent in the year-ago period. The
infrastructure subindustry (share of 37.5% within the industry) registered a
growth of 10.9 per cent from 3.4 per cent in the year-ago period.

Within infrastructure, telecommunication and other infrastructure grew at a
robust rate of 16.3 per cent and 19.0 per cent y-oy. Within the infrastructure,
roads and airports reported growth of 13.4 per cent y-o-y each in the month.


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