Borrower Rights Guidance
Know your rights — and stop unlawful recovery in its tracks.
Many borrowers tolerate harassment simply because they do not know their rights. Recovery agents must follow the law and fair-practice norms — and when they cross the line, you are entitled to act.
FairPaisa Solution educates you on exactly what lenders and their recovery agents can and cannot do, helps you respond to unlawful conduct, and supports you in raising grievances through the proper channels.
Our anti-harassment guidance is designed to give you confidence and protection, so recovery is conducted lawfully and with dignity.
What's included
Know your rights
A plain-language explanation of your rights as a borrower under banking fair-practice norms.
Anti-harassment support
Guidance on how to respond to abusive calls, threats or intimidation by recovery agents.
Grievance escalation
We help you escalate complaints through the lender's grievance channels and beyond, where appropriate.
Communication norms
We explain the permitted timing and conduct of recovery contact so you can recognise violations.
How we help, step by step
- 1
Tell us what kind of recovery contact you are facing.
- 2
We explain your rights and what is and isn't allowed.
- 3
We help you document any unlawful conduct.
- 4
We guide you on responding and requesting written communication.
- 5
We support you in escalating a grievance if needed.
Frequently asked questions
Under RBI's Fair Practices Code, recovery agents must not contact you before 8 AM or after 7 PM. Calls outside these hours, or that involve abuse or threats, are not acceptable.