[{"data":1,"prerenderedAt":680},["Reactive",2],{"head-scripts":3,"main-menu":14,"footer-menu":33,"blog-tags":46,"common-blocks-header":288,"common-blocks":299,"blog-article-rbi-guidelines-loan-recovery":416,"blog-articles-featured":465},{"script":4,"noscript":10},[5],{"key":6,"innerHTML":7,"async":8,"type":9},"head-script","(function (w, d, s, l, i) {\n        w[l] = w[l] || [];\n        w[l].push({ \"gtm.start\": new Date().getTime(), event: \"gtm.js\" });\n        var f = d.getElementsByTagName(s)[0],\n          j = d.createElement(s),\n          dl = l != \"dataLayer\" ? \"&l=\" + l : \"\";\n        j.async = true;\n        j.src = \"https://www.googletagmanager.com/gtm.js?id=\" + i + dl;\n        f.parentNode.insertBefore(j, f);\n      })(window, document, \"script\", \"dataLayer\", \"GTM-TCFPHZD\");\n\n!(function (t, e, n, s, a, c, i, o, p) {\n        (t.AppsFlyerSdkObject = a),\n          (t.AF =\n            t.AF ||\n            function () {\n              (t.AF.q = t.AF.q || []).push(\n                [Date.now()].concat(Array.prototype.slice.call(arguments))\n              );\n            }),\n          (t.AF.id = t.AF.id || i),\n          (t.AF.plugins = {}),\n          (o = e.createElement(n)),\n          (p = e.getElementsByTagName(n)[0]),\n          (o.async = 1),\n          (o.src =\n            \"https://websdk.appsflyer.com?\" +\n            (c.length > 0 ? \"st=\" + c.split(\",\").sort().join(\",\") + \"&\" : \"\") +\n            (i.length > 0 ? \"af_id=\" + i : \"\")),\n          p.parentNode.insertBefore(o, p);\n      })(window, document, \"script\", 0, \"AF\", \"pba\", {\n        pba: { webAppId: \"7b7261bf-d020-426b-8691-f814f13d1d84\" },\n      });",true,"text/javascript",[11],{"key":12,"innerHTML":13},"body-noscript","\u003Cstrong>\n  We're sorry but \u003C%= htmlWebpackPlugin.options.title %> doesn't work\n  properly without JavaScript enabled. Please enable it to\n  continue.\n\u003C/strong>\n\n\u003Ciframe\n  src=\"https://www.googletagmanager.com/ns.html?id=GTM-TCFPHZD\"\n  height=\"0\"\n  width=\"0\"\n  style=\"display: none; visibility: hidden\"\n>\u003C/iframe>",[15,18,21,24,27,30],{"title":16,"isShow":8,"url":17},"Live States","/available-states",{"title":19,"isShow":8,"url":20},"Products","/product-page",{"title":22,"isShow":8,"url":23},"About Us","/about-us",{"title":25,"isShow":8,"url":26},"Contact Us ","/reach-us",{"title":28,"isShow":8,"url":29},"Blog","/blog",{"title":31,"isShow":8,"url":32},"Policies & Codes","/policies-and-codes",[34,37,39,40,42,43],{"title":35,"isShow":8,"url":36},"Home","/",{"title":19,"isShow":8,"url":38},"/personal-line-of-credit",{"title":22,"isShow":8,"url":23},{"title":41,"isShow":8,"url":26},"Contact Us",{"title":28,"isShow":8,"url":29},{"title":44,"isShow":8,"url":45},"FAQ","/faq",[47,118,174,214,228,241,253,264,273,282],{"name":48,"url":49,"blog_pages":50,"count":117},"Finance","finance",[51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,80,81,82,83,84,85,86,87,88,89,90,91,92,93,94,95,96,97,98,99,100,101,102,103,104,105,106,107,108,109,110,111,112,113,114,115,116],"what-is-term-loan","what-is-spot-loan","what-is-plot-loan","what-is-loan-settlement-and-its-process","what-is-hypothecation","what-is-enach-all-you-need-to-know-about-enach-registration","what-is-debt-trap","what-is-cash-credit","advantages-and-disadvantages-of-digital-payment","viva-money-expands-its-services-to-tamil-nadu","viva-money-instant-personal-loan-app-successfully-launched-in-maharashtra","understanding-foir","top-differences-between-nbfcs-and-banks","tips-to-use-emi-calculator-for-personal-loans","loan-insurance","loan-sanction-letter","loan-without-salary-slip","silicon-valley-of-indias-fintech-future-navigating-bangalores-financial-innovation","what-is-down-payment","loan-apps-working-with-rbi-registered-nbfcs-in-india-for-quick-personal-loans","top-small-credit-loan-apps","what-is-ckyc","cost-of-living-in-chennai","cost-of-living-in-mumbai","objectives-of-financial-management","what-is-partial-payment","loan-foreclosure","top-up-loan-all-you-need-to-know","what-is-overdraft-facility","fake-loan-app-list","cost-of-living-in-pune","what-is-msme","cost-of-living-in-bangalore","loan-moratorium-extension","personal-loan-apps-the-financial-superheroes-of-2026","what-is-loan-disbursement","what-is-dormant-account","check-personal-loan-statement-online","write-loan-application-letter","credit-control","7-reason-for-personal-loan-rejection","what-is-balloon-payment","what-is-repo-rate","what-is-overdue-payment","apr-full-form-in-banking","what-is-digital-arrest","about-uan-number","pf-interest-rate-2026","gold-gst-rate-2026","e-pan-vs-physical-pan-card","income-tax-slab-senior-citizens","best-post-office-savings-scheme","download-gst-certificate","itr-efiling-2026","link-aadhaar-pan-card","hsn-code","best-nifty-50-sip-funds","passport-in-india","nifty-beginner-guide","link-voter-id-with-aadhaar","us-iran-war","government-loan-schemes","stock-market-holidays-2026","mcx-share-price","indian-economy-ranking","gdp-india-2026",66,{"name":119,"url":120,"blog_pages":121,"count":173},"Loans","loans",[122,123,124,125,126,127,128,129,130,131,132,133,134,135,136,137,138,139,140,141,142,143,144,145,146,147,148,149,150,151,152,153,154,155,156,157,158,159,160,161,162,163,164,165,166,167,168,169,170,171,172],"benefits-of-line-of-credit-over-personal-loan-and-credit-card","best-online-loan-apps-in-india-for-simplify-digital-lending","agriculture-loans-all-you-need-to-know","consumer-durable-loans","what-is-overdraft-loan","understanding-business-loan-interest-rates","types-of-loans-in-india-a-comprehensive-guide","loan-against-ppf-account","marriage-loans-interest-rates-eligibility","tips-to-get-low-interest-personal-loans","short-term-loans","salary-advance-loan-vs-personal-loan","working-capital-loan","what-is-a-medical-loan-all-you-need-to-know","aadhar-card-loan","9-best-personal-loan-apps","get-5000-loan-urgently","get-10000-loan-urgently","education-loan","flex-loans","personal-loan-in-chennai","what-are-payday-loans-in-india","personal-vs-payday-loan","personal-loan-without-salary-slip","get-20000-loan-urgently","personal-loans-in-tamil-nadu","education-loan-interest-rate","lowest-car-loan-interest-rate-2026","agriculture-loans-fees-interest-rates-eligibility","avoid-rejection-of-personal-loan","what-is-sports-loan","collateral-free-loan-for-a-business","cash-advance-loans","how-debt-consolidation-loan-works","how-to-get-a-personal-loan-for-salaried-employees","types-of-loans-you-should-know","short-term-credit-benefits","instant-personal-loan","jumbo-loan","loan-against-insurance","apply-200000-instant-loan","loan-against-property","instant-loan-5000","30000-personal-loan-2026","quick-loan-2026","personal-loan-in-bangalore","gold-loans","loan-closure-letter","types-of-mortgage-loan","personal-loan-vs-line-of-credit-which-one-is-for-you","five-mistakes-to-avoid-while-taking-a-personal-loan",51,{"name":175,"url":176,"blog_pages":177,"count":213},"Banking","banking",[178,179,180,181,182,183,184,185,186,187,188,189,190,191,192,193,194,195,196,197,198,199,200,201,202,203,204,205,206,207,208,209,210,211,212],"why-demand-deposits-considered-as-money","what-is-demand-draft","what-is-co-lending","what-are-neo-banks","unsecured-loans-types-meaning-and-benefits","two-wheeler-loan-interest-rates-eligibility","loan-against-fixed-deposit","recurring-deposit","nbfc-vs-banks","fd-vs-rd","what-is-imps","fixed-vs-recurring-deposit","what-is-auto-sweep-facility","dsa-in-banking","top-5-private-banks-in-india-2026","best-rd-interest-rates","demand-deposits","what-is-mortgage-loan","cif-id-in-banking","loan-by-rbi-registered-nbfc","rbi-customer-care-contact","nps-partial-withdrawal","bank-and-loan-fraud","upi-safety-tips","bank-holidays-2026","public-sector-banks-list","types-of-cheques","upi-payment-problem","crif-credit-report","savings-account-vs-current-account","check-post-office-savings-account-balance","amc-charges-debit-card","transfer-money-from-credit-card","credit-card-vs-personal-loan-vs-credit-line","rbi-guidelines-loan-recovery",35,{"name":215,"url":216,"blog_pages":217,"count":227},"Super Flexi Loan","super-flexi-loan",[218,219,220,221,222,223,224,225,226],"what-is-flexi-hybrid-loan","benefits-of-flexi-loan","what-is-super-flexi-loan","flexi-loan-vs-personal-loan","instant-loan-apps","instant-money-loan-2026","0-interest-loan","personal-loan-in-delhi","viva-gala-bengaluru-2026",9,{"name":229,"url":230,"blog_pages":231,"count":240},"Budgeting","budgeting",[232,233,234,235,236,237,238,239],"types-of-budget-meaning-and-management","top-myths-about-budgeting-debunked","how-to-get-started-with-budgeting-a-step-by-step-guide","line-item-budgeting-a-practical-guide","methods-of-budgeting","capital-budgeting","master-your-finances-2026","save-money-online-tips",8,{"name":242,"url":243,"blog_pages":244,"count":252},"Cibil","cibil",[245,246,247,248,249,250,251],"credit-vs-cibil-score","personal-loan-on-low-cibil-score-tips","how-to-improve-your-cibil-score-in-a-fast-way","know-how-to-check-cibil-score-online-and-its-benefits","iss-std-dpd-dbt-in-cibil-report","urgent-loan-for-cibil-defaulters","increase-cibil-score-from-600-to-750",7,{"name":254,"url":255,"blog_pages":256,"count":263},"Cheque","cheque",[257,258,259,260,261,262],"what-is-cheque-and-its-types","validity-period-of-a-cheque","micr-full-form","what-is-dishonoured-cheque","find-bank-cheque-number","cancelled-cheque-and-cheque-bounce-guide",6,{"name":265,"url":266,"blog_pages":267,"count":272},"Credit Card","credit-card",[122,268,269,270,271],"secured-vs-unsecured-credit-cards","credit-card-money-to-bank","credit-card-loan-app-alternatives","credit-vs-debit-card",5,{"name":274,"url":275,"blog_pages":276,"count":281},"Festive Season","festive-season",[277,278,279,280],"dhanteras-sale-records","diwali-decoration","diwali-shopping","festival-calendar-2026",4,{"name":283,"url":284,"blog_pages":285,"count":287},"Credit Line","credit-line",[286],"what-is-a-line-of-credit-all-you-need-to-know-before-applying",1,{"id":289,"logo_alt":290,"logo":291},28,"Logo",{"id":292,"name":293,"alternativeText":294,"ext":295,"mime":296,"size":297,"url":298},38,"logo-img.svg",null,".svg","image/svg+xml",3.19,"/uploads/logo_img_48174ed008.svg",{"id":300,"createdAt":301,"updatedAt":302,"publishedAt":303,"documentId":304,"locale":305,"header_block":306,"social_media_block":308,"documents_blocks":376,"footer_block":409,"script_block":414,"localizations":415},29,"2024-05-08T08:37:24.545Z","2026-10-13T15:12:31.963Z","2026-10-13T15:12:32.005Z","e2woc55ykh125an0cbge7frn","en",{"id":289,"logo_alt":290,"logo":307},{"id":292,"name":293,"alternativeText":294,"ext":295,"mime":296,"size":297,"url":298},{"id":309,"alt":310,"google_play_link":311,"app_store_link":311,"contact_email_address":312,"main_email_address":313,"img":314,"items":321},31,"Qr-code","https://vivam.onelink.me/0rtl/zw1ld90q","hello@vivamoney.in","chat@vivamoney.in",{"id":315,"name":316,"alternativeText":294,"ext":317,"mime":318,"size":319,"url":320},70,"mb-qr-code.b270e8e5.png",".png","image/png",3.93,"/uploads/mb_qr_code_b270e8e5_276586c2cb.png",[322,331,340,349,358,367],{"id":323,"link":324,"alt":325,"img":326},169,"https://www.instagram.com/vivamoney.in/","instagram",{"id":327,"name":328,"alternativeText":294,"ext":295,"mime":296,"size":329,"url":330},385,"instagram-icon.svg",0.59,"/uploads/instagram_icon_046ec8bf21.svg",{"id":332,"link":333,"alt":334,"img":335},170,"https://www.youtube.com/@Vivamoneyindia","youtube",{"id":336,"name":337,"alternativeText":294,"ext":295,"mime":296,"size":338,"url":339},36,"youtube-icon.svg",0.71,"/uploads/youtube_icon_c8ddec83c4.svg",{"id":341,"link":342,"alt":343,"img":344},171,"mailto:chat@vivamoney.in","mailto",{"id":345,"name":346,"alternativeText":294,"ext":295,"mime":296,"size":347,"url":348},33,"mail-icon.svg",1.17,"/uploads/mail_icon_5382bd1607.svg",{"id":350,"link":351,"alt":352,"img":353},172,"https://www.linkedin.com/company/vivamoney","linkedin",{"id":354,"name":355,"alternativeText":294,"ext":295,"mime":296,"size":356,"url":357},32,"linkedin-icon.svg",1.01,"/uploads/linkedin_icon_0657f4c073.svg",{"id":359,"link":360,"alt":361,"img":362},173,"https://www.facebook.com/vivamoney","facebook",{"id":363,"name":364,"alternativeText":294,"ext":295,"mime":296,"size":365,"url":366},30,"facebook-icon.svg",0.38,"/uploads/facebook_icon_2a2140e294.svg",{"id":368,"link":369,"alt":370,"img":371},174,"https://x.com/vivamoneyindia","X.com",{"id":372,"name":373,"alternativeText":294,"ext":295,"mime":296,"size":374,"url":375},34,"twitter-icon.svg",0.33,"/uploads/twitter_icon_70c01f9a68.svg",{"id":377,"items":378},136,[379,383,387,398,401,405],{"id":380,"title":381,"link":382,"file":294},956,"Terms and Conditions","/terms-and-conditions",{"id":384,"title":385,"link":386,"file":294},957,"Privacy Policy","/privacy-policy",{"id":388,"title":389,"link":390,"file":391},958,"Fair Practices Code","/fair-practices-code",{"id":392,"name":393,"alternativeText":294,"ext":394,"mime":395,"size":396,"url":397},41,"Fair-Practices-Code-Viva.pdf",".pdf","application/pdf",644.56,"/uploads/Fair_Practices_Code_Viva_4223b8f8fc.pdf",{"id":399,"title":119,"link":400,"file":294},959,"https://vivamoney.in/loans",{"id":402,"title":403,"link":404,"file":294},960,"Emi Calculators","https://vivamoney.in/emi-calculators",{"id":406,"title":407,"link":408,"file":294},961,"RBI Sachet Portal","https://sachet.rbi.org.in/",{"id":300,"logo_alt":290,"copyright":410,"limited_label":411,"limited_link":412,"img":413},"©2026 VIVA MONEY SOLUTION PVT LTD","FincFriends Private Limited","https://fincfriends.com/",{"id":292,"name":293,"alternativeText":294,"ext":295,"mime":296,"size":297,"url":298},{"id":363,"script":294,"head_script":7,"noscript":13},[],{"id":417,"documentId":418,"url":212,"description":419,"alt":420,"featured":421,"date":422,"text":423,"createdAt":424,"updatedAt":425,"publishedAt":426,"title_block":427,"img":431,"hidden_headers":294,"blog_author":438,"blog_tags":454,"seo":461},992,"r3bnv0gibehyh5h384esuxu9","\u003Cp>Worried about loan recovery? Discover the RBI guidelines lenders must follow and the protections available to borrowers.\u003C/p>","RBI guidelines for loan recovery in India explaining borrower rights and recovery agent rules",false,"2026-10-08","\u003Cp>\u003Cstrong>Highlights:\u003C/strong>\u003C/p>\u003Cul>\u003Cli>RBI guidelines prohibit regulated lenders and their recovery agents from using intimidation, harassment, threats, public humiliation, or inappropriate communication during loan recovery.\u003C/li>\u003Cli>A loan recovery agent must follow applicable RBI rules, and the regulated lender remains responsible for the actions of its agents.\u003C/li>\u003Cli>Borrowers can complain to their lender first. If an eligible complaint remains unresolved, they can approach the RBI Ombudsman through the CMS portal.\u003C/li>\u003C/ul>\u003Cp>Missing a loan repayment can lead to calls or messages about loan recovery. But borrowers also have certain rights regarding how lenders and recovery agents can contact them.\u003C/p>\u003Cp>The Reserve Bank of India (RBI) has issued several RBI guidelines covering fair lending and recovery practices. An important RBI circular issued on August 12, 2022, sets specific requirements for regulated entities and their recovery agents.\u003C/p>\u003Cp>This guide explains the key RBI guidelines for loan recovery, what a loan recovery agent can and cannot do, what to check in your loan agreement, and how to complain if you face unfair recovery practices.\u003C/p>\u003Ch2>What Are RBI Guidelines for Loan Recovery?\u003C/h2>\u003Cp>RBI has issued different directions covering recovery agents, outsourcing, and digital lending rather than putting every requirement into one document.\u003C/p>\u003Cp>Under the August 2022 circular, regulated entities must ensure that they and their agents do not use intimidation or harassment while recovering loans. The lender remains responsible for the actions of its recovery agents.\u003C/p>\u003Cp>The \u003Cstrong>RBI guidelines for loan recovery\u003C/strong> prohibit practices such as:\u003C/p>\u003Cul>\u003Cli>Verbal or physical intimidation\u003C/li>\u003Cli>Public humiliation\u003C/li>\u003Cli>Intruding into the privacy of family members, friends or referees\u003C/li>\u003Cli>Sending inappropriate messages through mobile phones or social media\u003C/li>\u003Cli>Threatening or anonymous calls\u003C/li>\u003Cli>Persistent calls\u003C/li>\u003Cli>False or misleading representations\u003C/li>\u003Cli>Calling borrowers before 8:00 a.m. or after 7:00 p.m. for recovery of overdue loans\u003C/li>\u003C/ul>\u003Cp>These rules do not remove the borrower's responsibility to repay a genuine outstanding amount. They regulate the manner in which recovery is carried out.\u003C/p>\u003Ch3>What Is a Loan Recovery Agent?\u003C/h3>\u003Cp>A loan recovery agent is a person or agency engaged by a lender to recover overdue amounts.\u003C/p>\u003Cp>RBI makes it clear that outsourcing recovery does not remove the lender's responsibility. The regulated entity remains responsible for the actions of its service providers and recovery agents.\u003C/p>\u003Cp>For digital loans, RBI also requires regulated entities to communicate the details of the recovery agent to the borrower when the loan is sanctioned and when recovery responsibility is assigned to an agent.\u003C/p>\u003Ch3>What Should You Check in Your Loan Agreement?\u003C/h3>\u003Cp>Your loan agreement contains the terms of your borrowing arrangement. Before taking a loan, check details such as:\u003C/p>\u003Cfigure class=\"table\">\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd>\u003Cstrong>Details \u003C/strong>\u003C/td>\u003Ctd>\u003Cstrong>What to check \u003C/strong>\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Loan amount \u003C/td>\u003Ctd>Amount sanctioned and disbursed \u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Interest rate \u003C/td>\u003Ctd>Applicable rate \u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Repayment \u003C/td>\u003Ctd>EMI amount and due dates \u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Fees \u003C/td>\u003Ctd>Applicable fees and charges \u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Penal charges \u003C/td>\u003Ctd>Terms applicable to delayed payments \u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Recovery \u003C/td>\u003Ctd>Relevant recovery conditions \u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Grievance process \u003C/td>\u003Ctd>How to raise a complaint \u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/figure>\u003Cp>For digital loans, RBI requires a Key Facts Statement (KFS) containing important information such as the Annual Percentage Rate, recovery mechanism, and grievance-redressal details.\u003C/p>\u003Ch3>What Should You Do If a Recovery Agent Harasses You?\u003C/h3>\u003Cp>If a loan recovery agent uses threats, abusive language, inappropriate messages, or repeated calls, keep records of the communication.\u003C/p>\u003Cp>You should:\u003C/p>\u003Col>\u003Cli>Save messages, emails, and other relevant communication.\u003C/li>\u003Cli>Note the date and time of calls.\u003C/li>\u003Cli>Keep your loan documents and payment receipts.\u003C/li>\u003Cli>Verify the identity of the person contacting you.\u003C/li>\u003Cli>Complain to the lender through its official grievance-redressal channel.\u003C/li>\u003Cli>Keep the complaint number or acknowledgement.\u003C/li>\u003C/ol>\u003Cp>RBI specifically restricts threatening calls, inappropriate messages, public humiliation, and recovery calls before 8:00 a.m. or after 7:00 p.m.\u003C/p>\u003Ch2>How Can You Complain to RBI?\u003C/h2>\u003Cp>If you face an issue, first complain to the lender or regulated entity. For digital lending, RBI requires regulated entities to have a grievance-redressal mechanism and disclose relevant grievance-officer details.\u003C/p>\u003Cp>If the lender does not resolve the complaint within the applicable period, or you are dissatisfied with its response, you may be able to approach the RBI Ombudsman under the \u003Cstrong>Reserve Bank–Integrated Ombudsman Scheme, 2026\u003C/strong>. The scheme came into effect on July 1, 2026, and provides a cost-free mechanism for eligible complaints involving deficiency in service by covered regulated entities.\u003C/p>\u003Cp>RBI Complaint Channels\u003C/p>\u003Cfigure class=\"table\">\u003Ctable>\u003Ctbody>\u003Ctr>\u003Ctd>Method \u003C/td>\u003Ctd>Details\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Online\u003C/td>\u003Ctd>RBI Complaint Management System (CMS)\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Email\u003C/td>\u003Ctd>crpc@rbi.org.in\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Contact Center\u003C/td>\u003Ctd>14448\u003C/td>\u003C/tr>\u003Ctr>\u003Ctd>Physical complaint\u003C/td>\u003Ctd>Centralised Receipt and Processing Centre, Reserve Bank of India, Central Vista, Sector 17, Chandigarh – 160017\u003C/td>\u003C/tr>\u003C/tbody>\u003C/table>\u003C/figure>\u003Cp>RBI states that complaints can be submitted through the CMS portal, email, or physical mode. The \u003Cstrong>14448 Contact Center\u003C/strong> can provide information and guidance about the complaint process and complaint status. However, complaints cannot be filed directly through 14448.\u003C/p>\u003Cp>The 14448 IVRS facility is available 24x7. Contact Center personnel are available from \u003Cstrong>8:00 a.m.\u003C/strong> to \u003Cstrong>10:00 p.m.\u003C/strong>, \u003Cstrong>Monday \u003C/strong>to \u003Cstrong>Saturday\u003C/strong>, except on national holidays.\u003C/p>\u003Cp>There is no fee for filing or resolving a complaint under the RBI Ombudsman Scheme.\u003C/p>\u003Ch2>What Can RBI Do in Such Cases?\u003C/h2>\u003Cp>The RBI Ombudsman mechanism handles eligible complaints involving deficiency in service by regulated entities covered under the scheme.\u003C/p>\u003Cp>However, approaching RBI does not automatically cancel a genuine loan or remove the borrower's repayment obligation. The complaint process addresses eligible service-related grievances and follows the requirements of the applicable scheme.\u003C/p>\u003Cp>Therefore, borrowers should keep their loan agreement, the complaint submitted to the lender, the lender's response, and relevant supporting documents.\u003C/p>\u003Ch3>Conclusion\u003C/h3>\u003Cp>The RBI guidelines for loan recovery set boundaries around how regulated lenders and their agents can recover overdue amounts. Borrowers should not face intimidation, harassment, public humiliation, or inappropriate recovery communication, and recovery calls for overdue loans should not be made before 8:00 a.m. or after 7:00 p.m.\u003C/p>\u003Cp>If you face such an issue, document the communication and complain to the lender first. If an eligible complaint remains unresolved, you can approach the RBI Ombudsman through the official complaint channels, including the CMS portal and \u003Cstrong>crpc@rbi.org.in\u003C/strong>. The 14448 Contact Center can guide you through the process and provide complaint-status assistance.\u003C/p>\u003Cp>Knowing the applicable RBI guidelines, understanding your loan agreement, and knowing where to complain can help you handle loan recovery issues more effectively. \u003C/p>\u003Ch3>\u003Cstrong>FAQs\u003C/strong>\u003C/h3>\u003Ch4>1. What are the RBI guidelines for loan recovery? \u003C/h4>\u003Cp>RBI guidelines prohibit regulated lenders and recovery agents from using harassment, intimidation, threats, public humiliation, or inappropriate communication while recovering overdue loans. Recovery calls should not be made before 8:00 a.m. or after 7:00 p.m.\u003C/p>\u003Ch4>2. Can a loan recovery agent call my family or friends? \u003C/h4>\u003Cp>A recovery agent must not intrude into the privacy of a borrower's family members, friends or referees while attempting to recover an overdue loan.\u003C/p>\u003Ch4>3. What should I do if a recovery agent harasses me? \u003C/h4>\u003Cp>Keep records of calls, messages and other communication, then raise a complaint with the lender through its official grievance-redressal channel. If the eligible complaint remains unresolved, you may approach the RBI Ombudsman.\u003C/p>\u003Ch4>4. How can I complain to RBI about a loan recovery issue? \u003C/h4>\u003Cp>You can submit an eligible complaint through RBI's Complaint Management System (CMS), email crpc@rbi.org.in, or the prescribed physical process. RBI's 14448 Contact Center can provide guidance and complaint-status assistance, but complaints cannot be filed directly through the helpline.\u003C/p>\u003Ch4>5. Does complaining to RBI cancel my loan repayment? \u003C/h4>\u003Cp>No, an RBI complaint does not automatically cancel a genuine loan or remove the borrower's repayment obligation. The RBI Ombudsman mechanism addresses eligible complaints involving deficiency in service by covered regulated entities. \u003C/p>","2026-10-09T07:07:30.865Z","2026-10-15T07:28:47.860Z","2026-10-15T07:28:47.878Z",{"id":428,"text":429,"type_header":430},10718,"RBI Guidelines for Loan Recovery: Borrower Rights Explained","H1",{"id":432,"name":433,"alternativeText":294,"ext":434,"mime":435,"size":436,"url":437},811,"Know Your Loan Recovery Rights.webp",".webp","image/webp",79.87,"/uploads/Know_Your_Loan_Recovery_Rights_708a34e0e7.webp",{"id":227,"documentId":439,"name":440,"profile_link":294,"author_info":441,"createdAt":442,"updatedAt":443,"publishedAt":444,"img":445,"links":450},"on7wu44jfsyl5hdo46e6wjr9","Viva Money Team","\u003Cp>Viva Money is a digital lending platform that offers India’s first Line of Credit. It’s built to make borrowing money simple and quick, helping you get funds whenever you need them, right at your fingertips.\u003C/p>","2025-09-04T11:04:13.219Z","2025-09-16T08:14:47.959Z","2025-09-16T08:14:47.992Z",{"id":446,"name":447,"alternativeText":294,"ext":434,"mime":435,"size":448,"url":449},371,"Viva Logo (1).webp",1.3,"/uploads/Viva_Logo_1_87d5ef9814.webp",[451],{"id":227,"link":452,"img":453},"https://www.linkedin.com/company/vivamoney/",{"id":354,"name":355,"alternativeText":294,"ext":295,"mime":296,"size":356,"url":357},[455],{"id":456,"documentId":457,"name":175,"createdAt":458,"updatedAt":459,"publishedAt":460},16,"m02magm6w70bdxqyi6ir3seu","2025-08-28T11:48:25.785Z","2025-09-02T11:14:12.872Z","2025-09-02T11:14:12.883Z",{"id":462,"title":463,"description":464,"canonical":294,"schemaData":294,"index_page":294,"img":294},689,"\u003Cp>RBI Loan Recovery Guidelines: Borrower Rights Explained\u003C/p>","\u003Cp>Understand RBI guidelines for loan recovery in India, borrower rights, rules for recovery agents, prohibited practices, and how to file a complaint against lenders.\u003C/p>",[466,483,496,510,523,536,549,562,575,589,602,615,628,641,654,667],{"id":467,"documentId":468,"url":469,"alt":470,"featured":8,"date":471,"title_block":472,"img":476},459,"rn4waay83l67osh5jmt56jbm","different-types-of-home-loans-in-india","Different Types of Home Loans in India","2025-02-28",{"id":473,"text":474,"type_header":475},5977,"What are the different types of home loans in India? ","H2",{"id":477,"name":478,"alternativeText":294,"ext":479,"mime":480,"size":481,"url":482},96,"Different_Types_of_Home_Loans_in_India_6a7f4de5cc.jpg",".jpg","image/jpeg",88.3,"/uploads/Different_Types_of_Home_Loans_in_India_6a7f4de5cc_5867444487.jpg",{"id":484,"documentId":485,"url":52,"alt":486,"featured":8,"date":487,"title_block":488,"img":491},490,"s4fj9pic2h1hvxqyrwrcqeke","Spot Loan","2025-02-21",{"id":489,"text":490,"type_header":475},6008,"Spot Loan: What is it, Features, Pros & Cons",{"id":492,"name":493,"alternativeText":294,"ext":479,"mime":480,"size":494,"url":495},125,"What_is_Spot_Loan_7bca70fc40.jpg",162.04,"/uploads/What_is_Spot_Loan_7bca70fc40_480de7a116.jpg",{"id":497,"documentId":498,"url":60,"alt":499,"featured":8,"date":500,"title_block":501,"img":504},516,"fu6b6dzvlyjirc3uk1kuggl3","Viva Money launched in Tamil Nadu","2025-03-18",{"id":502,"text":503,"type_header":475},6036,"Viva Money Instant Loan App Expands its services to Tamil Nadu!",{"id":505,"name":506,"alternativeText":507,"ext":479,"mime":480,"size":508,"url":509},137,"Viva Money Lauched in Tamil Nadu.jpg","Viva Money Launch in Tamil Nadu",126.03,"/uploads/Viva_Money_Lauched_in_Tamil_Nadu_69a9bb0d2f.jpg",{"id":511,"documentId":512,"url":183,"alt":513,"featured":8,"date":514,"title_block":515,"img":518},527,"xjqtuuzpmbdt7i8k40a7t8il","two-wheeler loans in India","2025-02-24",{"id":516,"text":517,"type_header":475},6047,"Two Wheeler Loan: Interest Rates, Eligibility",{"id":519,"name":520,"alternativeText":294,"ext":479,"mime":480,"size":521,"url":522},113,"two_wheeler_loans_interest_rates_and_elgibility_a4ea722945.jpg",107.9,"/uploads/two_wheeler_loans_interest_rates_and_elgibility_a4ea722945_d35b48ef33.jpg",{"id":524,"documentId":525,"url":63,"alt":526,"featured":8,"date":527,"title_block":528,"img":531},532,"o2nwi69u7kp8hulcf8dcdtjn","Difference between nbfc and banks","2025-03-03",{"id":529,"text":530,"type_header":475},6052,"What is the Difference Between NBFC and Bank?",{"id":532,"name":533,"alternativeText":294,"ext":479,"mime":480,"size":534,"url":535},101,"NBFC_vs_Banks_4efceb036a.jpg",93.02,"/uploads/NBFC_vs_Banks_4efceb036a_f277760fad.jpg",{"id":537,"documentId":538,"url":130,"alt":539,"featured":8,"date":540,"title_block":541,"img":544},552,"k50cd8gem8a5c1oa2l68ijnx","Marriage Loans in India","2025-02-25",{"id":542,"text":543,"type_header":475},6072,"Marriage Loans: Interest Rates, Eligibility & How to Apply",{"id":545,"name":546,"alternativeText":294,"ext":479,"mime":480,"size":547,"url":548},99,"Marriage_Loans_in_India_7682128c59.jpg",82.58,"/uploads/Marriage_Loans_in_India_7682128c59_33347ed9aa.jpg",{"id":550,"documentId":551,"url":135,"alt":552,"featured":8,"date":553,"title_block":554,"img":557},580,"rdc4vlfdcstgwgigmeekyrp2","What is a medical loan","2025-02-20",{"id":555,"text":556,"type_header":475},6099,"What is a Medical Loan? All you Need to Know!",{"id":558,"name":559,"alternativeText":294,"ext":479,"mime":480,"size":560,"url":561},105,"What_is_a_Medical_Loan_1d4c7abf25.jpg",83.28,"/uploads/What_is_a_Medical_Loan_1d4c7abf25_3e3ee44fb7.jpg",{"id":563,"documentId":564,"url":149,"alt":565,"featured":8,"date":566,"title_block":567,"img":570},781,"of13lgqxu9j3thlwm4xxny4q","Car Loan Interest Rates in 2026","2025-02-27",{"id":568,"text":569,"type_header":475},8706,"How to Secure the Lowest Car Loan Interest Rate in 2026?",{"id":571,"name":572,"alternativeText":294,"ext":479,"mime":480,"size":573,"url":574},80,"Car_Loan_Interest_Rates_in_2025_b2135278c2.jpg",59.83,"/uploads/Car_Loan_Interest_Rates_in_2025_b2135278c2_d69ac39952.jpg",{"id":576,"documentId":577,"url":142,"alt":578,"featured":8,"date":579,"title_block":580,"img":583},854,"m779wszcwazfkx7v0hgcco24","personal loan in chennai","2025-03-28",{"id":581,"text":582,"type_header":475},9633,"Apply for a Personal Loan in Chennai up to 2 Lacs ",{"id":584,"name":585,"alternativeText":586,"ext":479,"mime":480,"size":587,"url":588},138,"Loans in Chennai","Personal Loan in Chennai",174.25,"/uploads/Blog_4_38048adfc9.jpg",{"id":590,"documentId":591,"url":224,"alt":592,"featured":8,"date":593,"title_block":594,"img":597},980,"l5qd7o0mxeki3vs0g5i3mr3v","How to get a 0% interest loan in 2026 with eligibility and application guidance","2026-07-20",{"id":595,"text":596,"type_header":430},10706,"How to Get a 0-Interest Loan in 2026: What Every Borrower Should Know",{"id":598,"name":599,"alternativeText":294,"ext":434,"mime":435,"size":600,"url":601},611,"How to Get at 0 Interest Loan in 2026.webp",64.36,"/uploads/How_to_Get_at_0_Interest_Loan_in_2026_6e7efa3413.webp",{"id":603,"documentId":604,"url":146,"alt":605,"featured":8,"date":606,"title_block":607,"img":610},991,"h3exr9qv78o24uhwegzp52af","Apply for ₹20,000 urgent loan on instant loan app with quick approval and zero paperwork","2026-10-06",{"id":608,"text":609,"type_header":430},10717,"How to Get a ₹20,000 Loan Urgently Without Paperwork? ",{"id":611,"name":612,"alternativeText":294,"ext":434,"mime":435,"size":613,"url":614},823,"Get 20000 Loan Urgently.webp",53.41,"/uploads/Get_20000_Loan_Urgently_6bb59cf6d4.webp",{"id":616,"documentId":617,"url":171,"alt":618,"featured":8,"date":619,"title_block":620,"img":623},997,"m9187f9rcj8svuck3go4ki6k","Personal Loans or Line of Credit which one is good","2026-10-10",{"id":621,"text":622,"type_header":475},10723,"Personal Loan Vs Line of Credit - Which one is for you?",{"id":624,"name":625,"alternativeText":294,"ext":434,"mime":435,"size":626,"url":627},829,"Personal Loan Vs Line of Credit.webp",84.93,"/uploads/Personal_Loan_Vs_Line_of_Credit_8c97c7ecc9.webp",{"id":629,"documentId":630,"url":277,"alt":631,"featured":8,"date":632,"title_block":633,"img":636},998,"pwfj77he6oukc2yuqgmzp1bx","What to buy on Dhanteras 2026: gold coins, silver coins, utensils and diyas","2026-10-13",{"id":634,"text":635,"type_header":430},10724,"Why Dhanteras Sales Break Records Every Year",{"id":637,"name":638,"alternativeText":294,"ext":434,"mime":435,"size":639,"url":640},830,"What Makes Dhanteras a Shopping Powerhouse (1).webp",136.04,"/uploads/What_Makes_Dhanteras_a_Shopping_Powerhouse_1_dd30e1312c.webp",{"id":642,"documentId":643,"url":278,"alt":644,"featured":8,"date":645,"title_block":646,"img":649},1000,"oqy06qxfpx8ykrtkcrenbx6p","Diwali decoration budget 2026 with items list & cost","2026-10-15",{"id":647,"text":648,"type_header":430},10726,"Rangoli, Diyas, Lights: What a Perfect Diwali Home Costs in 2026",{"id":650,"name":651,"alternativeText":294,"ext":434,"mime":435,"size":652,"url":653},831,"A Festive Home for Every Budget.webp",124.55,"/uploads/A_Festive_Home_for_Every_Budget_55441f7d1a.webp",{"id":655,"documentId":656,"url":279,"alt":657,"featured":8,"date":658,"title_block":659,"img":662},1003,"o6ckf3fudz3c38vn3w8nokdd","diwali shopping budget tips for smart planning","2026-10-17",{"id":660,"text":661,"type_header":430},10729,"Smart Diwali Shopping: How to manage expense during Festive Sale",{"id":663,"name":664,"alternativeText":294,"ext":434,"mime":435,"size":665,"url":666},832,"Festive Deals Without the Budget Drama.webp",96.56,"/uploads/Festive_Deals_Without_the_Budget_Drama_be58b90144.webp",{"id":668,"documentId":669,"url":172,"alt":670,"featured":8,"date":671,"title_block":672,"img":675},1007,"nv51y0ckxcjkmez7pys0vrk9","Five Mistakes you should to avoid while taking a Personal Loan","2026-10-19",{"id":673,"text":674,"type_header":475},10733,"Five Mistakes to avoid while taking a Personal Loan",{"id":676,"name":677,"alternativeText":294,"ext":434,"mime":435,"size":678,"url":679},834,"5 Personal Loan Mistakes to Avoid.webp",49.39,"/uploads/5_Personal_Loan_Mistakes_to_Avoid_0d8e370c56.webp",1792586149066]