Know your loan
Keep your loan agreement, Key Fact Statement, sanction letter, disbursement proof, repayment history and official lender details. Ask for itemised statements if a balance is unclear.
FREE BORROWER EDUCATION • ONLINE RESOURCES
Borrower information and practical next steps
BorrowerFirst's existing guides remain freely available. These additional notes help borrowers manage payday and digital loan recovery concerns online.
Recovery communications
Maintain a written communication channel. Log repeated calls, threatening messages and third-party contact. Persistent intimidating recovery conduct can breach applicable RBI directions, although an individual further call does not automatically establish wrongdoing.
Verify field agents
Request verifiable name, agency, lender identification and written authorisation. Do not share personal records with unverified persons. Field agents do not have an automatic right to enter private premises.
Preserve evidence
Keep original emails, screenshots, call records, messages and complaint acknowledgements, with dates. Store records privately and avoid publicly exposing contact or identity information.
File grievances
Raise a factual written complaint with your lender's official grievance officer. Eligible unresolved matters may be escalated through RBI's CMS. Criminal threats, misuse of data or impersonation may require police or cybercrime reports.
Plan repayments responsibly
Communicate realistic payment proposals, seek an updated statement, and ask for any agreed terms in writing. Avoid compounding expensive short-term borrowing simply to repay other loans.
Existing in-depth borrower resources
Recovery communications guide →
Official online channels
RBI CMS ↗ · National Cyber Crime Reporting Portal ↗
General educational material only, not individual legal advice or a guaranteed outcome. Lawful repayment obligations remain. Court representation is for appropriately enrolled advocates.