Direct Answer
The Reserve Bank – Integrated Ombudsman Scheme, 2026 (RB-IOS, 2026) is a centralized, non-adversarial grievance redressal framework replacing the 2021 version to resolve customer complaints against Scheduled Commercial Banks, RRBs, and Co-operative Banks
Key Implementation Timeline:
| RB-IOS 2021 | Superseded | Reserve Bank of India |
| RB-IOS 2026 | July 1, 2026 | Reserve Bank of India (CRPC Chandigarh) |