Know your rights as a borrower, in plain English — backed by the actual law.
Nineteen guides covering everything from how RBI regulates your lender to what a recovery agent is legally allowed to do, and what to do when a loan goes wrong. No sales pitch, no lender referrals — just the statute, the RBI Direction, and the case law that actually governs your situation.
Getting started
Basics: who regulates what
RBI, banks, NBFCs and co-operative banks — which law applies to your lender.
Read guide → 02Types of loans: overview
A short map of every loan type, linking to the dedicated deep-dive where one exists.
Read guide → 05Before you borrow
Key Fact Statement, APR, floating vs fixed, and reading the sanction letter.
Read guide →Loan categories
Home loans & loan against property
Mortgage types, SARFAESI enforcement, RERA remedies and stamp duty.
Read guide → 04Business, MSME & working capital loans
Cash credit, MSME classification, CGTMSE cover, and delayed-payment law.
Read guide → 06Digital and app lending
Spotting an illegal loan app, and where to report harassment or data misuse.
Read guide →During the loan
Guarantors, co-borrowers & legal heirs
Who is actually liable — and for how much — when a loan goes bad.
Read guide → 09During the loan
Prepayment, rate resets, balance transfer, and getting your documents back.
Read guide → 10Default and stress
What actually happens after a missed EMI, stage by stage.
Read guide →When things go wrong
Recovery and harassment
What a recovery agent may and may not legally do, and how to report abuse.
Read guide → 12Notices and proceedings
Decoding a SARFAESI notice, DRT process, and IBC demand notices.
Read guide → 13Settlement and closure
One-time settlement, no-dues certificates, and what "settled" does to your score.
Read guide → 14Civil vs criminal
Cheque bounce, Section 138, and when non-payment can and cannot mean jail.
Read guide →Credit & complaints
The tax angle
Interest deductions, loan waivers, and what counts as income vs a gift.
Read guide → 15Credit score and reports
Correcting errors, and the ₹100/day compensation rule for delayed fixes.
Read guide → 16Complaints and redressal
The full ladder — grievance officer, RBI Ombudsman, consumer commission.
Read guide →Reference
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