Assessments
Fibe app loan: safe or not? Who actually lends to you
Fibe is an app, not a lender. Its Play listing names the owner, an NBFC arm and 13 partners; a copy of RBI's app directory shows six. What it means.
TopicIndia
15 articles
News
Will a bounced cheque reduce your CIBIL score?
The sources read do not score a bounce itself; the unpaid EMI behind it can hurt. And what the law says when a loan app's auto-debit fails.
News
How to check CIBIL score in GPay: what Google's pages say
Google's help page gives the GPay path, marks PAN optional and says consent lapses after one use. The Business app differs; both are set side by side.
News
What happens if you don't repay a loan app in India?
Missed EMIs, SMA flags, CIBIL damage and recovery calls, then what RBI's 6 August 2026 directions change from 1 January 2027, including phone locking.
News
Do loan apps report to CIBIL? What RBI's 2025 rules say
RBI's 2025 Directions say lending through a loan app is to be reported to credit bureaus whatever its tenor. The duty sits with the lender behind the app.
News
How to complain against loan recovery agent harassment
Write to the lender, wait 30 days, then file with the RBI Ombudsman within 90 days. The 2026 scheme's deadlines and caps, from the RBI's own FAQ.
News
Can loan recovery agents call your relatives in India?
From 1 January 2027 RBI rules bar harassing a borrower's family, referees or colleagues. What the rules, one lender's page and Play's policy say.
News
Can a loan recovery agent come to your home in India?
From 1 January 2027 an agent may visit only after a day's notice, 8am-7pm, at a place you choose first. What RBI's rules say, and where top pages differ.
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.
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
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.
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.
Assessments
The Key Fact Statement, assessed as a consumer tool
India's mandated one-page loan summary is the most useful document in regional digital lending. Assessed on what it standardises, and where it stops helping.