News
What time can a loan recovery agent call you in India?
Bajaj's page says 8 am to 7 pm, Airtel's says 7 am, and the RBI directions of 6 August 2026 fix 08:00-19:00 from 1 January 2027. The three, side by side.
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22 articles · Page 2 of 3
Assessments
Loan app cooling-off period in India: how many days?
The RBI's 2025 Directions set a one-day floor and let each lender's board fix the rest. What you pay to exit, and why 'three days' is the old rule.
News
Malaysia licences the lender and only registers the collector
Malaysia's new consumer-credit regulator splits authorisation in two: BNPL and leasing firms need a licence, while debt collection agencies only register. For borrowers, the lighter regime sits on the riskier half of the transaction.
Assessments
Checking a pindar licence in Indonesia: the list and the WhatsApp bot, assessed
OJK gives an Indonesian borrower three ways to answer one question about a lending app. Assessed on what the list and the bot can confirm, and on the gap all three share.
News
Nine apps, two notices: what I4C asked Google to pull in August
A cybercrime agency, not the banking regulator, put nine lending apps on takedown notices twelve days apart — and the provision it used says more about Google's position than about any lender's.
Assessments
The DLA directory against the NBFC register, assessed as licence checks
Two lists the Reserve Bank publishes, answering two different questions about a loan app. Assessed on what each one can actually confirm, and on the gap a borrower falls into between them.
News
Manila reopens registration for new lending apps, and prices the entry
The Philippine regulator has replaced a five-year freeze on new online lending platforms with capital floors, a five-brand ceiling and a duty to register platform names — a shift from blocking entry to governing it.
Assessments
The NBFC Internal Ombudsman, assessed as a redress route
A complaint stage a borrower cannot apply to, cannot see, and does not pay for. Assessed on what automatic escalation is worth, and on who appoints the person doing the reviewing.
News
The August penalty round: what 'Standard' is supposed to mean on a loan account
Two Reserve Bank penalties five days apart, both about record-keeping rather than headlines — and both turning on files a borrower never sees but is entitled to have kept properly.