Recovery agent harassment is not allowed. Under RBI rules, agents may remind you to pay, but they must not threaten, abuse or shame you, or call before 8 AM or after 7 PM. If they do, keep evidence and complain to the lender, then to the RBI Ombudsman for free. Here is how.
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Write to the lender first, with your evidence. If there is no reply in 30 days, or the reply does not help, file a free complaint with the RBI Ombudsman at cms.rbi.org.in or call 14448.
Yes, a lender can contact you about dues. But RBI rules say agents must not threaten, abuse or shame you, and must not call before 8 AM or after 7 PM.
RBI rules say agents must not harass or shame borrowers, including by calling family or colleagues to embarrass them. Keep a record and complain to the lender.
A lender can send a representative or agent to meet you, but they must stay polite, not threaten you, and not shame you in front of others. RBI's rules in force now say recovery calls must not be made before 8:00 AM or after 7:00 PM. From 1 January 2027 the lender must also tell you about the agency at least a day before the first visit, and the agent must carry an identity card and authorisation letter.
No. RBI says there is no fee to file or resolve a complaint with the RBI Ombudsman, and you do not need any agent to do it. You can file it yourself at cms.rbi.org.in.
Complain in writing to the app's lending partner (the bank or NBFC named in your loan papers), then to the RBI Ombudsman if needed. For threats, morphed photos or messages to your contacts, report to the police or at cybercrime.gov.in (helpline 1930).
You can complain to the RBI Ombudsman at cms.rbi.org.in if the lender does not reply within 30 days, or if you are not happy with its reply.
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