A salaried borrower in Bengaluru fell behind on a loan from PaisaOnSalary, an app operated by Aman Fincap Ltd. According to a documented borrower complaint, the lender then emailed his workplace colleagues - disclosing his "default" and his employment details - to pressure him into paying. PaisaOnSalary's account of the matter is not recorded here; what follows is the borrower's documented allegation.
Why this matters
Contacting a borrower's colleagues to shame them is not lawful recovery. The RBI's Fair Practices Code bars an NBFC and its agents from contacting a borrower's employer, family or references to apply pressure. An allegation is not a finding - but it is exactly the kind of conduct a borrower can document and report.
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
Can a loan app email my colleagues about a loan?
No. Disclosing your loan or 'default' to your colleagues to pressure you is not lawful recovery under the RBI Fair Practices Code. What PaisaOnSalary is alleged to have done, on a documented borrower complaint, falls outside what an NBFC and its agents are permitted to do - and is reportable to the RBI and the cyber-crime portal.
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