📵 Recovery Call Rules – RBI Limits Calls to Protect Borrowers (2025 Update)
📅 Updated: June 2025 | ☎️ RBI-Backed Borrower Rights | ⚖️ Loan Recovery Compliance | ✅ Powered by Vizzve Financial
🔍 What Are Recovery Call Rules?
To curb harassment and unethical recovery practices, the Reserve Bank of India (RBI) has strictly regulated how and when loan recovery agents can contact borrowers.
These rules apply to:
Banks
NBFCs
Digital Loan Apps
Recovery Outsourcing Agencies
Introduced under the RBI Digital Lending Guidelines, these rules protect borrowers from excessive pressure, mental stress, and fraud.
⏰ ✅ RBI Recovery Call Limits (2025)
| Rule | Details |
|---|---|
| 📞 Max Calls/Day | Recovery agents can only call up to 3 times per day per borrower. |
| ⏰ Time Restrictions | Calls are allowed only between 8:00 AM and 7:00 PM. |
| 🚫 No Odd-Hour Harassment | Calls outside this window are strictly prohibited and can result in legal action. |
| 🔇 No Public Shaming | Recovery agents must not threaten, shame, or disclose loan details publicly. |
| 🛡️ Polite Communication Only | Agents must be trained in professional, non-abusive conduct. |
⚠️ Why RBI Had to Enforce This
Many borrowers, especially from unauthorized loan apps, faced:
❌ 10+ calls a day
❌ Abuse or threats to family
❌ Calls at midnight or during work hours
❌ Blackmail via contact lists or social media
These actions are illegal under the new RBI norms.
🔐 Vizzve Financial – Trusted Lending Without Harassment
At Vizzve Financial, we ensure:
✅ Recovery protocols follow RBI norms
✅ No more than 3 calls per day
✅ Time-bound respectful recovery
✅ Zero public shaming
✅ Supportive repayment solutions
🎯 We focus on borrower dignity, not pressure.
📢 What You Can Do If Harassed
If a recovery agent breaks RBI rules:
📞 Call your lender’s grievance redressal officer
✉️ File a complaint via RBI Sachet Portal: https://sachet.rbi.org.in
🛡️ Use the Cyber Crime Portal: https://cybercrime.gov.in
💬 Share full call logs or messages with screenshots
📌 Borrower Rights to Remember
☑️ No calls before 8 AM or after 7 PM
☑️ No more than 3 calls a day
☑️ No abusive or threatening behavior
☑️ No disclosure to neighbors, office, or family
☑️ You can request written communication instead of calls
🧠 Final Words: Know Your Rights, Borrow Safely
RBI's recovery call rules put the borrower first. Don’t tolerate harassment. Borrow only from RBI-compliant platforms like Vizzve Financial for safe, transparent, and respectful financial help.