Question:
The number of complaints with the Banking Ombudsman registered during 2018 increased by:
The number of complaints with the Banking Ombudsman registered during 2018 increased by:
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When interpreting such statistics, remember that a rise in complaints doesn’t always mean worse service — it can also mean better awareness and easier complaint mechanisms.
Updated On: Jul 15, 2026
- 10%
- 15%
- 20%
- 25%
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The Correct Option is D
Approach Solution - 1
The Banking Ombudsman Scheme, administered by the Reserve Bank of India, provides a platform for customers to lodge complaints regarding deficiencies in banking services. The RBI’s annual report for 2018 indicated that the number of complaints increased by approximately 25% compared to the previous year. This rise can be attributed to:
Greater awareness of customers about grievance redressal mechanisms.
Wider adoption of online complaint filing systems.
Expansion of digital banking services, which brought in both convenience and new types of disputes.
This statistic highlights both a growing customer assertiveness in demanding quality service and the need for banks to further improve customer relations.
Greater awareness of customers about grievance redressal mechanisms.
Wider adoption of online complaint filing systems.
Expansion of digital banking services, which brought in both convenience and new types of disputes.
This statistic highlights both a growing customer assertiveness in demanding quality service and the need for banks to further improve customer relations.
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Approach Solution -2
The question asks by how much complaints with the Banking Ombudsman rose during 2018. Let's weigh each figure.
- 10%: This figure understates the actual jump reported for that year and does not match the scale of growth seen in customer complaints during this period.
- 15%: This is also lower than the increase actually recorded, and does not reflect the sharper rise driven by growing awareness of grievance redress channels.
- 20%: This figure comes closer but still falls short of the reported increase for 2018.
- 25%: The Reserve Bank of India's annual report for that year recorded a rise of about this much in complaints filed under the Banking Ombudsman Scheme, driven by wider use of online complaint filing and growing digital banking activity that brought new kinds of disputes.
Since the RBI's own figures point to a rise of about a quarter compared with the previous year, the increase is best matched by the largest of the four figures.
Therefore, the correct answer is 25%.
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Approach Solution -3
Since all four options are simple percentages, the useful approach is to narrow down using what is known about the scale of the increase before picking a specific number.
- 10%: A rise this small would be described as modest, but the increase in Banking Ombudsman complaints for 2018 was reported as considerably sharper than that, so this figure sits well below the actual mark.
- 15%: This is still on the lower end of the range and undersells the scale of growth driven by wider digital banking adoption and easier online complaint filing that year.
- 20%: This narrows the gap somewhat but still falls short of the figure the Reserve Bank of India actually reported for that year.
- 25%: This matches the reported rise for 2018, consistent with more customers becoming aware of grievance redress channels and using online filing as digital banking expanded.
Ranking the four figures from smallest to largest and matching them against the reported scale of growth points to the highest figure among them as the correct one.
Therefore, the correct answer is 25%.
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Top CLAT General Awareness Questions
- On the evening of the 10th, General Dyer arrived at Amritsar, and the Deputy-Commissioner handed over the civil power to him. He issued a proclamation by word of mouth that no meetings should be held. Two days later, after there had been no sort of riot, nor murder, General Dyer heard that a meeting was to be held at the Jallianwala Bagh. He proceeded there with about fifty troops, half British, half Indian, and a certain number of Ghurkas, armed with their kukris. The Jallianwala Bagh is an open space, half a mile square, which has one entry wide enough for three persons. The troops got in and lined up on a mound of debris. The walls, seven feet high, and the surrounding houses enclosed the people. There were, too, three alleys through which the people might have been able to pass. Within thirty seconds of the troops getting in, General Dyer gave orders to fire, and the crowd of people, estimated at anything from 5,000 to 20,000, who were sitting on the ground peacefully listening to the mob oratory, were fired on. The result of the troops’ fire into the mass of people we do not know. But we do know that Dyer’s own estimate of the casualties resulting from ten minutes continual individual firing, was 400 to 500 killed and 1,500 wounded. The people were not able to escape. They were people who had not offered any violence and who had not been warned. These people were shot down. After ten minutes, the ammunition was exhausted and the troops marched off, and they left 1,500 wounded there. There were men lying there for two days, dying of thirst, eating the ground, bleeding to death and nobody to look after them. Those who lived nearby came and carried away some of the wounded from the heap of dead and dying, but the unfortunate country people died there miserably of their wounds. This is what is done in 1919 in British India…
Centuries hence you will find Indian children brought up to this spot, just as they visit now the Cawnpore Well, and you can imagine the feelings of these Indians for generations over this terrible business.
[Col. Wedgwood, MP, speaking in the British Parliament, 22 December 1919] - On 26th January 1950, we are going to enter into a life of contradictions. In politics, we will have equality and in social and economic structure, continue to deny the principle of one man one value. How long shall we continue to live this life of contradictions? How long shall we continue to deny equality in our social and economic life? If we continue to deny it for long, we will do so only by putting our political democracy in peril. We must remove this contradiction at the earliest possible moment else those who suffer from inequality will blow up the structure of democracy, which this Constituent Assembly has so laboriously built up.
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… however, good a constitution may be, it is sure to turn out bad because those who are called to work it, happen to be a bad lot. However, bad a constitution may be, it may turn out to be good if those who are called to work it, happen to be a good lot. The working of a Constitution does not depend wholly upon the nature of the Constitution.
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Centuries hence you will find Indian children brought up to this spot, just as they visit now the Cawnpore Well, and you can imagine the feelings of these Indians for generations over this terrible business.
[Col. Wedgwood, MP, speaking in the British Parliament, 22 December 1919]
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