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Recently, the Reserve Bank of India (RBI) reported that the complaints to the Ombudsman have gone up 68 per cent in 2022-23, with a total of 7,03,544 complaints. One-fifth of the complaints were concerning mobile and internet banking, while another-fifth were concerning loans and advances. The central bank’s “One Nation One Ombudsman” principle provides a single window for complaints against regulated entities, including banks, Non-Banking Financial Companies (NBFCs), Payment System Participants and Credit Information Companies.