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Free official help for recovery conduct, financial cyber fraud, consumer complaints and legal assistance.
Build a useful evidence file
Keep the lender name, masked account reference, KFS/agreement, dates and times, message screenshots, receipts and complaint acknowledgements. Record facts. Do not post your full Aadhaar, PAN, card number, contact list or account statements publicly.
Your complaint route
Write to the lender’s official grievance officer first. For a covered entity, an unsatisfactory response or expiry of the applicable response period can permit RBI escalation. Check the current CMS rules and filing deadline. The RBI’s indexed 2026 FAQ differs from older 2021 guides; do not rely on an old one-year deadline. Criminal threats and fraud can require police/cyber reporting without waiting for this process.
Draft a message you can review
This tool creates text on your device. It does not send a complaint, identify the correct recipient or promise a waiver.
Review and add only accurate facts before sending to the lender’s verified address.
Want a conversation?
Optional professional behavioural counselling: ₹999 for 45 minutes. No personal name is displayed. Session details. For KarzMap support: admin@karzmap.in.