Which of the following entity is not covered under the Integrated Ombudsman Scheme 2021 of RBI?

RBI’s Integrated Ombudsman Scheme (RBI IOS 2021) came in force in November 2021 and covers: a)       All Commercial Banks, Regional Rural Banks, Scheduled Primary (Urban) Cooperative Banks and Non-Scheduled Primary (Urban) Co-operative Banks with deposits size of Rupees 50 crore and above as on the date of the audited balance sheet of the previous financial year; b)      All Non-Banking Financial Companies (excluding Housing Finance Companies) which (a)    are authorized to accept deposits; or (b) have customer interface, with an assets size of Rupees 100 crore and above as on the date of the audited balance sheet of the previous financial year; c)       All System Participants as defined under the Scheme. In August 2022, Credit Information Companies (CICs) were also brought under the ambit of RB-IOS 2021, in order to make the RB-IOS more broad based.