Know your rights
What a lender and its agents can and cannot do — in plain language. Start with a quick reference, then read the in-depth guides.
Quick references
A borrower's bill of rights — your rights vs the threats
A one-page, plain-language summary of what a lender and its recovery agents can and cannot do under Indian law — your rights to fair recovery, privacy, dignity, data protection and free redressal, and exactly where each right is enforced.
Learn moreRecovery calling hours — the 8 AM to 7 PM rule
A quick reference on the lawful window for recovery contact in India, why pre-8 AM and post-7 PM calls are illegal, what counts as harassment, how to document it, the exact complaint path, and a calm script for what to say.
Learn moreYour Rights as a Borrower
RBI Fair Practices Code: every right you have when a loan goes unpaid
The RBI Fair Practices Code is the rulebook that protects you when you fall behind on a loan. This guide explains your rights to transparency, dignity, privacy and fair recovery in plain language, and the calm steps to enforce them.
Learn moreRecovery agent calling hours — why calls before 8 AM or after 7 PM are illegal
RBI rules bar recovery agents from contacting borrowers before 8 AM or after 7 PM, and from calling at odd hours or excessively. This article explains the exact timing rules, what counts as a violation, and the calm steps you can take.
Learn moreCan an agent call your family, employer or neighbours? The privacy rule
Recovery agents are not allowed to call your family, employer, neighbours or phone contacts to shame or pressure you. This guide explains the RBI privacy rule, the DPDP Act, and the calm steps to stop third-party contact.
Learn moreRBI Digital Lending Directions: what licensed loan apps can and cannot do
The RBI Digital Lending Directions set firm rules for loan apps — on disbursal, data access, transparency and recovery. This guide explains what a licensed app can and cannot do, and how to act when those rules are broken.
Learn moreThe Key Fact Statement (KFS): the document every lender must give you
The Key Fact Statement is a single standardised document that shows the true, all-in cost of your loan. This guide explains what it must contain, why it matters, and what to do if you never received one.
Learn moreThe buck stops with the Regulated Entity — why the NBFC is liable for its agents
Under RBI's rules, the bank or NBFC that gave you the loan remains fully responsible for everything its recovery agents, call centres and loan-app partners do in its name. This article explains why 'that was a third-party agent' is not a valid excuse, and how to hold the lender accountable.
Learn moreYour rights during a recovery agent's home visit
Recovery agents may visit your home only within strict limits set by RBI — during fixed hours, without intimidation, and with respect for your privacy and dignity. This article explains what an agent can and cannot do at your door, and the calm steps you can take if a visit crosses the line.
Learn moreWhat a legal loan agreement must contain — and predatory red flags
A proper loan in India comes with a written agreement, a Key Fact Statement and clear disclosure of charges, lender identity and grievance contacts. This article explains what a legal loan agreement must contain and the predatory red flags that signal an unfair or unsafe arrangement.
Learn moreRecovery Harassment: What's Illegal & What To Do
What legally counts as recovery harassment in India
Recovery harassment is more than aggressive phone calls. This article explains what Indian rules and law actually treat as harassment — odd-hour contact, threats, public shaming, contacting your contacts and misuse of your data — and how to respond calmly.
Learn moreFake arrest and police threats — why you can't be jailed for a loan
Recovery callers often threaten arrest, fake police complaints or 'non-bailable cases' to frighten borrowers into paying. In India, simply being unable to repay a loan is not a crime, and these threats are a pressure tactic. This article explains why you cannot be jailed for a debt, and how to respond calmly.
Learn moreBogus legal notices from loan apps: how to spot a fake
Many loan apps send official-looking 'legal notices', 'court summons' and 'lawyer warnings' designed to frighten you into paying. This guide helps you tell a fake from a genuine notice, calmly and with your rights intact.
Learn moreWhen agents threaten to call your whole contact list — your remedies
A threat to call or message everyone in your phone is a recognised harassment tactic, not lawful recovery. This guide explains why it is wrong under RBI rules and the DPDP Act, and the concrete remedies available to you in India.
Learn morePublic shaming and morphed photos: the crime behind app humiliation
When a loan app circulates your photo, morphs it, or broadcasts shaming messages to your contacts, that is not recovery — it is criminal conduct. This guide explains your protections in India and how to report it, calmly and safely.
Learn moreHow to document harassment so it stands up legally
If a lender, recovery agent or loan app is harassing you, careful evidence is what turns your word into a case. Here is how to capture, store and organise proof so a grievance officer, the RBI Ombudsman, the police or a court can act on it.
Learn moreCan you record a recovery call? Evidence rules in India
Recording an abusive recovery call can be a powerful way to document harassment. This guide explains, in plain language, what Indian evidence and privacy rules mean for recording your own calls and using them in a complaint.
Learn moreA script for what to say (and not say) when an agent calls
A calm, ready-to-use script for handling recovery calls — what to say, what to avoid saying, and how to stay in control and on record without being baited into panic or arguments.
Learn moreThreats of violence or sexual extortion — this is criminal; act now
Threats of violence, and the use of your photos or private images to extort or shame you, are crimes — not recovery. This is a calm, compassionate guide to staying safe, preserving evidence, and reporting to the cybercrime helpline 1930, the police and the NCW.
Learn more