Borrower help
Problem with your loan? Know your rights.
Getting a loan is easy; getting help later can be hard. Pick your problem: we explain the rules in plain words, give you a ready letter to send, and show you how to escalate if it isn't resolved.
- EMI relief / tenure extension“My EMI is too high. I want to extend the tenure or get some relief.”See my options
- Rate cut / tenure problems“My bank didn't pass on a rate cut, or it extended my tenure without asking me.”See my options
- Documents not returned“I've fully repaid my loan, but the lender hasn't returned my property documents.”See my options
- Hidden charges / KFS“The lender deducted or charged more than the Key Facts Statement said.”See my options
- Recovery agent harassment“Recovery agents keep calling me late, threatening me, or contacting my family and office.”See my options
- Guarantor being chased“I was a guarantor. The borrower stopped paying and now the bank is coming after me.”See my options
- SARFAESI / possession notice“My loan became an NPA. The bank sent a notice to take possession of the mortgaged property.”See my options
1. Know the rules
What RBI's rules say your lender must do, and what it can refuse. No jargon, no false hope.
2. Ask in writing
A ready, polite letter quoting the right rules, filled with your details. It stays on your device.
3. Escalate if needed
A free complaint to the RBI Ombudsman if there's no fix within 30 days, or, for legal notices, your deadlines and where to get legal help.
General information, not legal advice. Is there a loan problem you need help with that isn't listed? Tell us.