Cheque Bounce & Debt Recovery Published & Fact-Checked 1 Sept 2026

Can bank loan recovery agents call you at night or threaten your family?

No. RBI's Fair Practices Code strictly prohibits recovery agents from calling before 8:00 AM or after 7:00 PM, visiting without prior notice, making threatening calls, or harassing family members. Violations can be reported to the Banking Ombudsman and local police for criminal intimidation (Section 351 BNS).

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