Recovery Calls at Work? File a Free RBI Complaint
RBI rules ban loan recovery agents from calling your office, colleagues, or relatives to pressure you. If it happens, you can file a free complaint with the RBI Ombudsman and get the harassment stopped.
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Key Takeaways
Document every violation: screenshot call logs, save voicemails, and note exact dates and times of any workplace or family contact by recovery agents.
File a complaint at cms.rbi.org.in under the RBI Integrated Ombudsman Scheme — it is free, online, and requires no lawyer or court visit.
Send a written email to the lender's grievance redressal officer first; if unresolved in 30 days, escalate to the RBI Ombudsman with that email as evidence.
RBI rules ban loan recovery agents from calling your office, colleagues, or relatives to pressure you. If it happens, you can file a free complaint with the RBI Ombudsman and get the harassment stopped.
Here's what happened: RBI's existing Fair Practices Code already bans recovery agents from contacting borrowers' employers, colleagues, or relatives — stricter enforcement norms are coming from 2027.. Agents are legally permitted to call only between 7 AM and 7 PM, must identify themselves, and can only speak directly with the borrower or their guarantor.. Borrowers harassed by recovery agents can file a free complaint with the RBI Ombudsman at cms.rbi.org.in, with the lender required to respond within 30 days..
What you should do: Document every violation: screenshot call logs, save voicemails, and note exact dates and times of any workplace or family contact by recovery agents.. File a complaint at cms.rbi.org.in under the RBI Integrated Ombudsman Scheme — it is free, online, and requires no lawyer or court visit.. Send a written email to the lender's grievance redressal officer first; if unresolved in 30 days, escalate to the RBI Ombudsman with that email as evidence..
If a recovery agent refuses to give their name or the lender's name before the call, that itself is a violation — note it and include it in your Ombudsman complaint as a separate ground.
If you're dealing with recovery agents, read our recovery agent harassment guide covering your RBI rights.
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- [1]“Recovery calls at work: What can borrowers do when loan recovery agents repeatedly call or contact their colleagues?” mint - money · 6 Nov 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.
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