A borrower's call log tells the story in numbers: roughly 16 missed calls from PaisaInTime - an app operated by Sawalsha Leasing & Finance Pvt Ltd - in the space of nine minutes, part of a documented pattern of repeated pressure calls.
When calling becomes harassment
The RBI's Fair Practices Code limits recovery contact to between 8 am and 7 pm and bars calls intended to harass. Sixteen calls in nine minutes is not an attempt to reach someone; it is pressure. A call log like this is precisely the evidence a borrower can attach to a complaint.
Know your rights as a borrower
The lenders in these reports are RBI-registered NBFCs, which means the Reserve Bank of India's Fair Practices Code binds them. Under it, recovery agents may not call before 8 am or after 7 pm; they may not contact your employer, family or references to pressure you; abuse and threats are prohibited; the all-in interest rate (APR) must be disclosed up front in the Key Facts Statement; and recovery may happen only by lawful means. The Government of India has blocked more than 600 predatory digital-lending apps and the RBI has issued repeated advisories - but the entities named here are registered, regulated companies, which makes their own paperwork the story.
How to report a loan app: the official channels
You do not need to pay anyone to be heard. Report a lender to RBI Sachet (sachet.rbi.org.in), and if a regulated entity does not resolve your complaint within 30 days, escalate to the RBI Ombudsman through the Complaint Management System. For threats, harassment or data misuse, file at the National Cyber Crime portal (cybercrime.gov.in) or call the helpline 1930. You may also file a consumer complaint. Keep every screenshot, email and call log - that record is your evidence.
Frequently asked questions
How many times can a recovery agent call me?
There is no licence to call you repeatedly to harass you. The RBI Fair Practices Code restricts recovery contact to 8 am-7 pm and prohibits calls meant to harass. A burst like roughly 16 calls in nine minutes is the kind of pattern you can document from your call log and report to the RBI.
Can a loan app call my office or family?
No. Under the RBI Fair Practices Code, recovery agents may not contact your employer, family or references to pressure you, may not call before 8 am or after 7 pm, and may not use abuse or threats. Approaching your workplace or contacts to shame you over a loan falls outside lawful recovery, whatever an app's agreement says.
How do I report a loan app to the RBI?
Start at RBI Sachet (sachet.rbi.org.in). If the NBFC does not resolve your complaint within 30 days, escalate to the RBI Ombudsman through the Complaint Management System. For threats or data misuse, use the National Cyber Crime portal (cybercrime.gov.in) or call 1930, and keep all screenshots and statements.
Source
Lenders' own Key Facts Statements, agreements and recovery emails; RBI Register of NBFCs; documented borrower complaints