A voice for borrowers across India
Standing with people facing loan stress, harassment and unfair lending.
Who We Are
About AIFBF
The All India Financial Borrowers & Federation (AIFBF) is a not-for-profit organisation working for the rights and dignity of borrowers across India.
Millions of Indians borrow from banks, NBFCs, microfinance institutions and digital lending apps. When life takes an unexpected turn, such as a job loss, crop failure, illness or a slow business season, repayments can become difficult. Too often, borrowers then face threats, abusive calls and public humiliation instead of support.
AIFBF exists to change that. We help borrowers understand their rights, raise complaints through the right channels, and speak up for fair, transparent and humane lending practices.
Our Vision
An India where every borrower knows their rights, and every lender respects them.
Our Mission
- • Protect borrowers from unfair and unlawful recovery practices
- • Help borrowers find a dignified path out of debt stress
- • Spread awareness of borrower rights across India
Our Leadership
Board of Directors
AIFBF is guided by a board committed to fairness and dignity for every borrower.
Prathibha Dayananda
DirectorBhavesh Kumar Surana
DirectorShivashankar Agarwal
Director
Dayananda Reddy
Managing Director
An entrepreneur, philanthropist and former Member of the Karnataka Legislative Council from Anekal, Bengaluru Urban district, with over four decades in industry and public service.
Distinctions
- Former MLC for Bangalore Urban district, Karnataka Legislative Council
- Founder of the Dayananda Foundation (2010), which has adopted about 7,500 underprivileged students for free education
- Foundation students have planted more than 50,000 trees across Bengaluru
- Entrepreneur since 1981; founded Gold Coins Farms and Housing Developers (1993)
- Former President, Bommasandra Industrial Association (2004)
- Aryabhatta Award (2004) and honoured by the Federation of Karnataka Chambers of Commerce & Industry (2008)
Source: Wikipedia
Pramila Mahabaleshwarappa Nesargi
Whole-time Director
A senior advocate and women's rights activist based in Bengaluru, known for decades of public service in law and politics.
Distinctions
- First woman in 50 years elected Chairman of the Karnataka Bar Council
- Two-time MLA from Chamarajpet, Bengaluru (1978–83 and 1991–94)
- Chairperson, Karnataka State Women's Commission (2007)
- B.Sc (1958), LLB (1960) and M.L. in Jurisprudence (1963)
- Heads the Samragni Swa Udyog Trust, which builds skills for women and special children
- Bharatiya Manavata Vikas Puraskar (2018)
Source: Wikipedia
What Guides Us
Our Values
Empathy
We listen without judgement. Debt stress can happen to anyone.
Confidentiality
What you share with us stays with us.
Respect for the Law
Our guidance is grounded in RBI rules and Indian law.
Honesty
We tell you clearly what your options are, and what they are not.
Our Community
Who We Help
Make 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.