Threats from a loan app
Loan apps threatening to message your contacts or post your photos. Don't pay under pressure. Save evidence and report it.
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Borrower Helpline
Harassed by loan recovery agents?
You don't have to face threats, abuse or public shaming alone. Call us and know your rights today.
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RBI's new loan recovery rules for commercial banks come into effect on 1 January 2027Recovery agents may contact borrowers only between 8 a.m. and 7 p.m.Facing threats from a loan app? Report on cybercrime.gov.in or call 1930Filing a complaint with the RBI Ombudsman is completely freeRBI's new loan recovery rules for commercial banks come into effect on 1 January 2027Recovery agents may contact borrowers only between 8 a.m. and 7 p.m.Facing threats from a loan app? Report on cybercrime.gov.in or call 1930Filing a complaint with the RBI Ombudsman is completely free
How We Work
What We Do
From the first worrying phone call to a fair settlement, we stand with borrowers at every step.
Harassment Protection
Support for borrowers facing threats, abusive calls, public shaming or late-night visits by recovery agents.
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Helpline & Counselling
Talk to someone who understands. We listen without judgement and explain your options simply.
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Complaint Support
Guidance on writing complaints to your lender and escalating to the RBI Ombudsman.
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Restructuring Guidance
Understand restructuring, one-time settlement and repayment options before you talk to lenders.
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Financial Awareness
Awareness sessions on borrower rights, safe borrowing and spotting illegal lending apps.
Know moreReal Situations
Borrowers We Stand With
Crop loss & farm loans
When a bad season makes repayment impossible, there are options like restructuring. We help you ask for them.
Read moreSmall business EMIs
Traders and MSMEs struggling with business loans can seek restructuring instead of facing aggressive recovery.
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Microfinance group pressure
Women borrowers in group loans facing repeated visits and public pressure. Fair recovery rules apply to them too.
Read moreJob loss or medical emergency
Life can change overnight. Talk to your lender early and in writing about restructuring or an EMI holiday.
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“Owing money never takes away your dignity.”
Who We Are
About All India Financial Borrowers & Federation
The All India Financial Borrowers & Federation (AIFBF) is a not-for-profit organisation that stands with borrowers across India. Millions of families borrow to run a business, educate their children or handle an emergency, and when repayment becomes hard, too many face fear and harassment instead of support.
Our Vision
An India where every borrower knows their rights and every lender respects them.
Our Mission
Protect borrowers from unfair recovery and help them find a dignified way out of debt stress.
Our Leadership
Board of Directors
AIFBF is guided by a board committed to fairness and dignity for every borrower.
PD
Prathibha Dayananda
DirectorBS
Bhavesh Kumar Surana
DirectorSA
Shivashankar Agarwal
DirectorYour Rights at a Glance
8 AM – 7 PM
Only hours recovery agents may contact or visit you
30 Days
Time your lender gets to reply before you escalate to RBI
₹0
Cost of filing a complaint with the RBI Ombudsman
14448
RBI toll-free contact centre number
Join the Movement
Get Involved
Together we can make lending in India fair and humane. Here's how you can help.
Volunteer With Us
Lawyers, finance professionals, counsellors and students can help borrowers understand their rights.
Join UsHost an Awareness Session
Invite us to your village, self-help group, workplace or college to talk about borrower rights and safe borrowing.
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Partner & Support
Organisations and individuals can partner with AIFBF to reach more borrowers across India.
Join UsStay Informed
Borrower News & Updates
The latest on borrower protection and loan recovery rules in India.
Business Today · 6 Aug 2026
RBI tightens loan recovery rules, bars harassment and strengthens borrower protection
Read MoreOutlook Money
From harassment to accountability: RBI's new blueprint for fair loan recovery
Read MoreOutlook Money
Harassed by loan recovery agents? Know your rights according to RBI
Read MoreMake a Difference
Facing loan stress or harassment? Don't suffer in silence. One call to AIFBF can help you understand your rights and your options.