Loan nahi diya to Bank wale BIWI le jayenge #oolka #creditworthy #loan

A shocking incident from Jhansi went viral: a borrower’s wife was allegedly made to sit in a bank branch until payment—that’s illegal. In this video, we break down what the RBI allows (and forbids) in loan recovery, so you don’t get bullied or shamed when you’re already under financial stress.

What you’ll learn
Your rights under RBI guidance:
• Family members cannot be detained or used for pressure
• No threats, public shaming, or intimidation
• Recovery must respect dignity & privacy

Defaults happen—but dignity is non-negotiable. Loan default impacts your credit score, not your human rights.

If you’re facing harassment
Stay calm & document everything: save call logs, SMS, emails, branch CCTV timings if possible.

Ask for credentials: the agent’s name, agency, ID, written notice, and bank SR (service request) number.

Write to your lender’s grievance cell/nodal officer requesting restructuring/settlement/alternate repayment.

Escalate if unresolved in ~30 days: file a complaint on the RBI’s CMS/Integrated Ombudsman portal.

If there’s physical restraint, threats, or trespass, file a police complaint for unlawful harassment.

Pro tips to avoid reaching crisis
Communicate early if you’ll miss an EMI; request a revised schedule.

Don’t take multiple short-tenor high-cost loans to “fix” a default.

Track every loan/EMI in one place and set reminders.

If this helped, share it—awareness protects dignity.
For step-by-step credit help and EMI tracking, subscribe to Oolka and level up your financial health.

#Oolka #BorrowerRights #RBI #LoanRecovery #LoanDefault #ConsumerProtection #FinancialAwareness
Credit Score Kitna hona Chahiye
Download Oolka and LevelUp your Credit Score:
https://oolka.sng.link/Di1af/1rw5/rx90
Oolka helps you become Credit Worthy

Видео Loan nahi diya to Bank wale BIWI le jayenge #oolka #creditworthy #loan канала Oolka - AI Credit Score LevelUp