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Loan Harassment

Creditor's harassment happens when a bank, NBFC, or their recovery agent crosses from legal debt collection into abusive conduct, calls outside 8 AM to 7 PM, threats, contacting family, or public shaming. RBI's guidelines restrict certain recovery practices, including intimidation, harassment, inappropriate contact hours and improper disclosure of a borrower's information. The bank or NBFC stays responsible even when a third-party agent is the one at fault.

By Mohit Juneja | 27 August 2026

Loan Consolidation

EMI (Equated Monthly Instalment) is the fixed amount you pay every month to repay a loan, covering both a part of what you borrowed and the interest on it. The amount stays the same every month, but the mix behind it shifts over time, more interest early on, more principal later. Home loans, car loans, personal loans, and EMI-based purchases all use this structure.

By Mohit Juneja | 27 August 2026

Debt Management

The majority of citizens use credit cards without fully understanding how they work. You will never use your card the same way again after learning these three things.

By FREED India | 27 August 2026