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Karz Adhikar — recovery agent threats, loan app harassment, bank notice, papers not returned? Borrowers' rights (India)
Pick your loan problem — recovery agents threatening or calling late at night, a loan app messaging your contacts, a SARFAESI notice on your house or shop, EMIs you can't pay, property papers not returned after closing the loan, a wrong CIBIL entry, or a foreclosure charge — and see the first 3 steps, rights in short, proof to keep, what not to do, where to go, a call-time checker, a deadline clock with RBI's ₹5,000 / ₹100 per-day compensation, a ready letter you edit and send yourself, and a WhatsApp Status card. Runs in your browser. General legal information facilitation only — not legal advice.
🚦 6 golden rules for borrowers
- Recovery calls only between 8 am and 7 pm — no threats, no abuse
- Agents can't shame you or message your family and contacts
- Pay only into the lender's own account — never an agent's UPI
- Every settlement in writing, on letterhead, before you pay
- Loan closed? Original papers due within 30 days
- Lender first → no reply in 30 days → RBI Ombudsman (cms.rbi.org.in)
What's your loan problem?
All situations at a glance
RBI directions are updated from time to time — verify on rbi.org.in or with the lender.
Recovery agent threats, abuse, late-night calls or home visits
- Call log + screenshots + agent ID
- Written complaint to lender's grievance officer
- 112 for threats · cms.rbi.org.in after 30 days
🚫 Don't pay cash or into an agent's personal UPI / account
☎ 112 · 14448 · 14416
Loan app harassment — contacts messaged, morphed photos, threats
- Screenshots before uninstalling
- cybercrime.gov.in + platform take-down
- RBI DLA list · Sachet / lender → Ombudsman
🚫 Don't take a new app loan to repay an old one
☎ 112 · 14416 · 1930
Bank notice to take my house / shop — SARFAESI 13(2) or 13(4)
- Section + amount + date · ask for statement
- 13(3A) objection · don't transfer property
- DRT s.17 in 45 days · redeem before auction notice
🚫 Don't ignore the notice — the 60 and 45-day clocks keep running
☎ 15100 · 14448
Can't pay EMIs — want more time, restructuring or a settlement
- Write early · pay what you can · keep proof
- Settlement letter → pay lender's account → NOC
- Lok Adalat · reply to notices · check CIBIL
🚫 Don't take a new high-cost loan to pay EMIs
☎ 15100 · 14416
Loan closed, but original property papers / NOC not returned
- Written request · closure date · clock
- Reasons + ₹5,000/day if lender's fault
- Grievance officer → cms.rbi.org.in
🚫 Don't accept 'papers are with the head office, wait' without a written date
☎ 14448
Wrong entry in CIBIL / credit report — or a loan I never took
- Free yearly report · mark the wrong entry
- Dispute number + date · fraud loan → police
- ₹100/day after 30 days · cms.rbi.org.in
🚫 Don't pay 'credit repair' agents promising to delete entries
☎ 14448 · 1930
Charged a foreclosure / prepayment penalty for closing my loan early
- Floating or fixed? Personal or business? KFS
- Written refund request · complaint number
- cms.rbi.org.in after 30 days
🚫 Don't delay closing the loan over the dispute — pay under protest and complain
☎ 14448
Forward to your family group
Many families pay agents out of fear, not knowing that recovery calls are allowed only from 8 am to 7 pm, that agents can't message their contacts, or that loan papers must come back in 30 days. Forward this to your family or society WhatsApp group.
📤 Forward this tool on WhatsApphttps://www.adhiwakta.com/tools/karz-adhikar
FAQs
- What is Karz Adhikar?
- A bilingual tool for borrowers and their families in India. Pick one of 7 problems (recovery agent threats, loan app harassment, SARFAESI notice, can't pay EMIs, papers not returned after closing a loan, wrong CIBIL entry, foreclosure charge) to see the first 3 steps, rights in short, proof to keep, what not to do, where to go, a call-time checker, a deadline clock, a ready letter and a WhatsApp Status card. General legal information facilitation only — not legal advice.
- At what time can a recovery agent call me?
- RBI's rules on recovery agents (circular of 12 August 2022, now part of RBI's Responsible Business Conduct Directions, 2025) say lenders and their agents must not call borrowers before 8:00 a.m. or after 7:00 p.m. for recovery of overdue loans, and must never threaten, abuse, publicly humiliate or call persistently or anonymously. The lender is responsible for its agents.
- Can a loan app message my contacts or use my photos?
- No. Under the RBI (Digital Lending) Directions, 2025, lending apps must not access your contact list, call logs, files and media or telephony functions. Messaging your contacts or sharing morphed photos can be an offence under the BNS and IT Act — report on cybercrime.gov.in and to the platform. Check RBI's list of digital lending apps; report unregulated apps on sachet.rbi.org.in.
- How soon must a bank return my property papers after I close the loan?
- Within 30 days of full repayment or settlement, along with removal of the registered charge (RBI, 13 September 2023). If the delay is attributable to the lender, it must pay ₹5,000 for each day of delay. If papers are lost, it must help you get certified copies at its cost, with 30 more days.
- When can I complain to the RBI Ombudsman?
- First complain to the lender. If there's no reply within 30 days or you're not satisfied, complain on cms.rbi.org.in (or crpc@rbi.org.in) within 90 days under the Reserve Bank – Integrated Ombudsman Scheme, 2026. There's no fee. The 14448 contact centre guides you and tells complaint status but does not take complaints.
- Is anything I type sent or stored?
- No. The letter, call-time checker and deadline clock run in your browser. You copy it or open WhatsApp / email and send it yourself. Adhiwakta does not see, store or send it.
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