21. Which of the following is NOT a ground for complaint to the Banking Ombudsman?
a) Charging of excessive interest
b) Non-observance of fair practices by banks
c) Delay in disbursing bonus to bank employees
d) Failure to issue a stop payment instruction
22. The Banking Ombudsman Scheme covers complaints against which of the following financial products?
a) Loans and advances
b) Insurance policies
c) Mutual funds
d) All of the above
23. Which of the following authorities plays a supervisory role over the Banking Ombudsman?
a) Supreme Court of India
b) Parliament of India
c) Lok Sabha
24. Which of the following is NOT a type of complaint handled by the Banking Ombudsman?
a) Complaints related to credit cards
b) Complaints related to frauds
c) Complaints related to online banking
d) Complaints related to government bonds
25. How does the Banking Ombudsman resolve complaints?
a) Through arbitration
b) Through conciliation
c) Through litigation
d) Through negotiation
