🔑 RBI Loan Guidelines for Digital Lending in India – What Every Borrower Must Know in 2025

Published by: Vizzve Financial | Updated: May 2025
Apply for Instant Loan: www.vizzve.com

📌 Introduction

Digital lending is booming in India, but with it comes the risk of fraud, hidden charges, and harassment. To protect consumers and ensure fair lending, the Reserve Bank of India (RBI) has introduced strong guidelines. If you're planning to take a loan in 2025 — especially online — this guide explains what you MUST know.

At Vizzve Financial, we strictly follow RBI norms to give you a safe, hassle-free loan experience. Let’s break it down.

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🧩 1. RBI’s Digital Lending Framework – Key Features

✅ Transparent Disclosures Are Now Mandatory

Digital loan apps and platforms must clearly disclose:

• Interest rates (APR)

• Processing fees

• Repayment schedule

• Penalties and foreclosure charges

🛡️ Vizzve Promise: We provide a full loan summary before you accept any offer. No hidden charges. No surprises.

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❌ No Automatic Loan Top-Ups

Lenders cannot increase your credit limit or loan amount automatically without your clear consent. This protects borrowers from falling into a debt trap.

🔒 Vizzve Safety: We never upgrade or extend your limit without your go-ahead.

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🏢 Only RBI-Registered Lenders Allowed

Only NBFCs and banks registered with RBI can lend digitally. Apps must partner with authorized institutions and disclose the lending partner's name.

📝 At Vizzve, we partner only with RBI-approved NBFCs and banks.

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🛑 Ban on Misleading Loan Recovery Tactics

Harassment by recovery agents is strictly banned. Lenders must follow respectful, time-bound communication.

🤝 Our Policy: Vizzve agents follow ethical communication. Your dignity is never compromised.

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🔗 Loan Agreements Must Be Shared

Borrowers must receive a copy of the loan agreement digitally or physically, ensuring legal transparency.

📧 Vizzve Delivers: You get your full agreement by email and WhatsApp instantly after approval.

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🚀 How Vizzve Financial Complies with RBI Rules