بینکنگ محتسب پاکستان

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Banking Mohtasib Calls On SBP GovernorThe Banking Mohtasib Pakistan, Mr. Muhammad Kamran Shehzad called on the Governor, State Bank of Pakistan, Mr. Jameel Ahmad at Governor’s office in Karachi today (24th February, 2023). He was accompanied by the Senior Advisor, BMP, Mr. Farhat Saeed.Mr. Kamran Shehzad Holds Hearings at Newly Setup Faisalabad Office Mr. Muhammad Kamran Shehzad, Banking Mohtasib Pakistan held hearings of public complaints against commercial banks at the newly set up BMP, Regional Office at Faisalabad for continuous three days from 19th to 21st December, 2022. The hearings were held in the presence of the Complainants and the officials of concerned banks. .Banking Mohtasib Holds Five – Day Hearings At Lahore With a view to facilitate banking customers and to resolve their grievances at their door step, the Banking Mohtasib Pakistan (BMP), holds hearings of complaints against commercial banks at all its Regional Offices. . More...Inauguration of Banking Mohtasib's Regional Office at Faisalabad A new Regional Office Banking Mohtasib Pakistan (BMP) has been inaugurated at SBP BSC, Faisalabad premises today (30th November, 2022). . More...Hearing at Multan Office The Banking Mohtasib Pakistan, Mr. Muhammad Kamran Shehzad holds hearings of the complaints against banks at different Regional Offices, Multan. . More... President of Pakistan President rejects six representations against the orders of Banking Mohtasib Pakistan. More...  151.55 Million Rupees Relief to Banking Customers  Banking Mohtasib Pakistanhas provided monetary relief amounting to Rs 151.55 million to the banking customers by disposing of 6169 complaints.More...  Press Release Banking Mohtasib Pakistan latest Press Release available on the website. More...    Quarterly Newsletter Banking Mohtasib Pakistan Quarterly (July-September 2022) Newsletter available on the website. More...   Annual Report 2021 Banking Mohtasib Pakistan Annual Report 2021 is available on the website. More...

Ombudsman's (Mohtasib) Schemes – An Introduction

In the modern world, an ombudsman was first established in 1809 in Sweden. The word "ombudsman" is of Swedish origin and means "representative or agent" of the people.

In 1919, more than a century after Sweden appointed an ombudsman, another Scandinavian country, Finland, adopted the Swedish model for the redressal of public grievances against agencies of state. The next country to follow was Denmark - this happened more recently in 1955.

The first country outside Europe to establish such an office was New Zealand. This was in 1962 and generated tremendous global interest inspiring many countries, in search of good governance to launch such schemes. Today, over 100 countries have such a platform in place.

In 1995, the European Union established the first European Ombudsman under the Maastricht Treaty.


In Pakistan, at present, there are five Federal Ombudsmen, i.e., Wafaqi Mohtasib, Federal Tax Ombudsman, Federal Insurance Ombudsman, Federal Ombudsperson for Women and Banking Mohtasib.

Wafaqi Mohtasib

In Pakistan, a beginning was made with the appointment of Wafaqi Mohtasib (Ombudsman) at the Federal level in 1983.

The primary objective of the Wafaqi Mohtasib was to diagnose, investigate, redress and rectify injustices faced by the public from Federal Government Departments. The measure of success achieved by the institution of Wafaqi Mohtasib led to the creation of Provincial Ombudsmen in the provinces of Sindh, Punjab, Balochistan, Khyber Pakhtunkhawa, Azad Jammu and Kashmir.
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Federal Tax Ombudsman

The growing nature of corporate sector grievances, largely relating to inequitable application of taxation laws, and the Government's desire to promote a just and equitable business environment in Pakistan, prompted the Government to establish an independent Federal Tax Ombudsman (FTO) during the year 2000.

The FTO has brought considerable relief to businesses during the last 11 years. Businessmen have now found a level of comfort, non-existent in the past, which allows them to confidently and fearlessly make investment decisions in the knowledge that an environment exists where they can expect equity, fair play and justice.

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Federal Insurance Ombudsman

In pursuance of the Insurance Ordinance 2000, the Office of Federal Insurance Ombudsman (FIO) was established on 2nd May, 2006. The institution is meant to provide analysis, investigation redressal and rectification of any injustice done to a person through maladministration by any of the insurer in the private sector. The key role of the FIO is to provide timely and cost-free redressal of the public grievances against alleged maladministration in an insurance company. The cases pertaining to life and general insurance business are looked after by FIO as per the requirements of the Insurance Ordinance 2000 and the Insurance Rules.

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