Complaints received under RBI's ombudsman schemes during 2021-22 increased 9.39% over the previous year and stood at 4,18,184. As per the Annual Report of Ombudsman Schemes, 2021-22, complaints relating to the digital modes of payment and transactions were the highest in number, constituting 42.12% of the total complaints. The rate of disposal of complaints improved to 97.97% in 2021-22.