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Scales of justice with a loan document on one side and a gavel on the other, personal loan default criminal or civil

Loan Harassment

Can You Go to Jail for Not Paying a Personal Loan in India

Is personal loan default a criminal offence? No. Not paying a personal loan is generally a civil matter, so a lender has to go to a civil court or tribunal to recover dues. It can become criminal only with a separate trigger, such as a bounced cheque or fraud at the time of borrowing.

By Mohit Juneja | 23 October 2026

Worker at an office desk calmly noting a phone call on a notepad, recovery agent calls at office

Loan Harassment

Recovery Agent Calls at Office: What the Rules Allow

Can a recovery agent visit your office? Only in limited cases. RBI conduct rules say dues can be discussed only with you or your guarantor, and contact is limited to 8:00 am to 7:00 pm. A visit to your place of work is allowed only if no meeting place was agreed or appointments were missed repeatedly. Shaming you before colleagues is not allowed.

By Mohit Juneja | 23 October 2026

Borrower writing down a recovery call time and number on a notepad, L&T Finance recovery agent rules

Loan Harassment

L&T Finance Recovery Agent and Loan Settlement: What to Know

An L&T Finance recovery agent is a person or agency that contacts borrowers on behalf of the lender when EMIs are overdue. Like every lender's agent, they must follow RBI conduct rules on timing, behaviour and identity. You also have a defined way to complain if those rules are not followed.

By Mohit Juneja | 23 October 2026