Can't Pay EMI? What to Do Before You Miss a Payment
Can't pay your EMI this month? 8 practical steps, your rights under RBI rules, the real cost of a missed EMI and where to complain if the lender misbehaves.
· 7 min read
Loan Problems & Solutions
Can't pay EMI, loan rejected, recovery agent harassment, CIBIL errors, fake loan apps: step-by-step fixes and your rights as a borrower in India.
All loan problems articles
CIBIL Report Error: How to Raise a Dispute and Get It Fixed
Wrong loan, overdue or 'settled' tag in your CIBIL report? How to dispute it, the RBI 30-day deadline, Rs 100/day compensation and where to complain.
· 5 min read
Co-Applicant and Guarantor Liability: What You Owe
Signed as co-applicant or loan guarantor? What you owe if the borrower defaults, the CIBIL impact, your rights under the Contract Act and RBI, and how to exit.
· 6 min read
Debt Consolidation in India: A Step-by-Step Way Out of Debt
Juggling card dues, personal loans and app loans? How debt consolidation works in India, a worked example of the savings, your RBI rights and scams to avoid.
· 6 min read
Debt Snowball vs Debt Avalanche: Which Pays Off Faster?
Juggling several loans and card bills? Compare debt snowball vs debt avalanche with a worked Indian example, a step-by-step plan and your RBI rights.
· 6 min read
EMI Bounce Charges: Costs, CIBIL Impact and What to Do
EMI bounced? See what lenders and your bank can charge, how a bounce hits your CIBIL score, when it becomes a legal issue and the steps to fix it fast.
· 6 min read
EMI Not Reduced After Rate Cut? Why and What to Do
RBI cut the repo rate but your home loan EMI did not fall? Check your benchmark, reset date and tenure, then use your RBI rights to get the benefit or switch.
· 6 min read
Fake Loan App Fraud: How to Spot It and Report It in India
Trapped by a fake loan app? Learn how to check RBI's lending app directory, the warning signs, and how to report fraud on cybercrime.gov.in, 1930 and Sachet.
· 6 min read
Loan App Permissions: What Apps Can and Cannot Access
Loan app asking for contacts or photos? What RBI and Google Play let lending apps access, how to revoke permissions, delete data and complain in India.
· 7 min read
Loan Default Legal Consequences in India: What Can Happen
Loan default legal consequences: the NPA timeline, SARFAESI notices, civil suits, cheque bounce cases, wilful defaulter rules and your rights at each stage.
· 7 min read
Loan Recovery Agent Harassment: Know Your Rights
Facing loan recovery agent harassment? Know RBI rules on calling hours, banned practices and how to complain to your lender, the RBI Ombudsman and police.
· 6 min read
Loan Rejected? 10 Common Reasons and How to Fix Each
Loan rejected? The 10 most common reasons, from low CIBIL score to high FOIR, how to get the reason in writing and what to fix before you reapply.
· 6 min read
Loan Restructuring Options: How to Ask Your Bank for Relief
Struggling with EMIs? Loan restructuring options in India: tenure extension, EMI holiday, rate switch. RBI rules, CIBIL impact and how to apply.
· 6 min read
Loan Settlement vs Closure: Impact on CIBIL and Your Future
Loan settlement vs closure: how a 'settled' tag hurts your CIBIL score, when settling makes sense, and how to turn it into 'closed' later.
· 6 min read
Loan With Low CIBIL Score: 8 Safe Ways to Get Approved
Need a loan with a low CIBIL score? Secured options, co-applicants, what RBI rules say, how much more you will pay, and the loan-app traps to avoid.
· 6 min read