Find practical guidance on common problems involving loan sanction, interest and charges, repayment, loan closure, recovery and complaint escalation.
Start here if you have already applied for or taken a loan and are facing a delay, repayment issue, charge, closure problem or other difficulty with your lender.
Loan Application Delayed, Rejected or Not Disbursed
Understand what you can do when a loan application remains pending, is rejected, or an approved loan is not disbursed.
Read GuideWrong Interest Rate, EMI, Loan Charges or Penal Charges
What to check if the interest rate, EMI, charges or penal charges applied to your loan appear incorrect or are not properly explained.
Prepayment / Foreclosure of Loan
Understand part-prepayment, full foreclosure, applicable charges, outstanding calculation and the steps to close a loan early.
Difficulty in Loan Repayment / EMI Overdue
What to do if you are unable to pay an EMI on time, your loan has become overdue or you expect repayment difficulty.
- Individual borrowers
- MSME borrowers
- Revival & Rehabilitation of MSMEs
Loan Account Closed — NOC / No-Dues Certificate
Understand what should happen after complete repayment, including loan-account closure, NOC, no-dues confirmation and correction of records.
Return of Property Documents After Loan Closure
Guidance on release and return of original property or security documents after full repayment and closure of the loan.
Complaint About a Loan / Escalation
How to raise a loan-related complaint with your bank, escalate unresolved issues and understand when further complaint options may be available.
Recovery Calls, Notices & Recovery Agent Issues
Understand what to do if you receive recovery calls, notices or visits, including issues involving recovery agents and borrower treatment.
Banking rules, contact details and procedures can change. If you notice information on this page that appears outdated or incorrect, please let us know.