Safety

Safe borrow kijiye. Scam pehchaniye. Helplines yaad rakhiye.

Predatory loan apps aur fake recovery agents first-time borrowers ke liye sabse bada risk hain. Yahan dekhiye kya watch karna hai, lender ko kaise verify karna hai, aur help kahan milegi.

Unsafe loan app ke red flags

Contacts, gallery ya SMS ki permission maangta hai

Real lender ko aapki phonebook ya photos nahi chahiye. Yeh permissions baad mein harassment ke liye use hoti hain.

Disbursal se pehle 'processing fee' maangta hai

Real lender fees disbursed amount se kaatta hai — UPI ya personal account par pehle kabhi nahi maangta.

Bahut ooncha APR, ya short tenure par teekha interest

RBI ab NBFC ki interest rates par cap nahi lagata, isliye ooncha APR apne aap mein illegal nahi hai. Par ~36% se kaafi upar ki rates zyada savdhani maangti hain — APR aur total cost compare kijiye, aur agar lender inhe clearly na dikhaye to alert rahiye.

Key Fact Statement (KFS) dene se mana

October 2024 se RBI ne KFS mandatory kar diya hai. Bina KFS, koi loan nahi.

Regulated lender ka naam app mein chhupa hua

Har legal digital lender app mein peeche ka bank ya NBFC clearly named hona chahiye.

Dhamki deta hai, family ko call karta hai, ya data share karta hai

Recovery agent dwara harassment RBI ke Fair Practices Code ke khilaaf gair-kanooni hai. Evidence rakhiye aur report kijiye.

Hamesha Key Fact Statement maangiye

Loan sign karne se pehle lender se KFS maangiye. Yeh ek page ka summary hota hai jisme total repayment, APR, har fee, EMI aur miss payment hone par kya hoga, sab likha hota hai. October 2024 se har regulated lender ko naye retail aur small-business loans ke liye yeh dena mandatory hai (credit card ke liye iske badle MITC milta hai). Agar mana kare, aage mat badhiye.

Lender ko kaise verify karein

sachet.rbi.org.in kholiye aur lender ka exact naam search kijiye. RBI ki regulated entities ki published list bhi check kar sakte hain. Kisi bhi real loan app mein regulated bank ya NBFC ka naam clearly dikhna chahiye. Yeh information na mile to kabhi mat borrow kijiye.

Abhi save kar lijiye yeh helplines

Cyber crime aur financial fraud

1930 par call kijiye ya cybercrime.gov.in par report kijiye. Agar paise gaye ya aap thage gaye to yahin jaaiye.

cybercrime.gov.in

RBI complaint portal (Sachet)

Unauthorized lender ya harassment ki complaint yahan kijiye.

sachet.rbi.org.in

RBI Ombudsman

Agar regulated bank ya NBFC ne aapki written complaint 30 din mein resolve nahi ki, to yahan jaaiye.

cms.rbi.org.in

iCall mental health helpline

Loan harassment se mental stress ho raha hai to free, confidential support. 9152987821, Mon-Sat, 8 am se 10 pm.

+919152987821

Vandrevala Foundation

24x7 mental health helpline: 1860-2662-345 (alternate: 1800-2333-330). Call or WhatsApp from anywhere in India.

18602662345

Agar loan app harass kar raha hai

Agent ke bheje UPI links par payment band kijiye. Sirf official lender app ya website par hi paisa dijiye.
Har message, call log aur shared post ka screenshot lijiye. Yahi aapka evidence hai.
Turant 1930 ya cybercrime.gov.in par report kijiye. sachet.rbi.org.in par alag complaint bhi daaliye.
Ek family member ya friend ko bataaiye taaki akele mat jhelein. Baat karni ho to iCall 9152987821 par call kijiye.
Illegal interest, late fees ya KFS mein nahi the woh charges — aap par dene ki kanooni zimmedari nahi. Document aur dispute kijiye.

Next: credit basics samajhiye