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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.
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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.
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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.
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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.
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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.
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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.
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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.
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Can a loan app access my contacts in India? The Play rule
Play's Personal Loans policy bars READ_CONTACTS and seven other permissions, and only apps on the RBI DLA list may submit in India. Read 20 Sept 2026.
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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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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.
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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.
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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.
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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.
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Permission creep: what a loan app asks for, and why it matters
Device permissions are where a lending app's intentions become legible before a single rupee moves. The rules have tightened; the request patterns have adapted.
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App-store policy keeps doing work regulators intended to do
Platform rules on personal-lending apps have become one of the more effective filters in the region — which is a comment on distribution, not on the rules themselves.