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Service 02

RBI rights education

Every borrower has specific protections under the RBI Fair Practices Code, the FAIR Lending guidelines, and the Banking Ombudsman scheme. Most people don't know them. Lenders count on that. We make sure you don't.

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How it works

What happens when you engage us

1

Plain-language rights kit

We send you a structured guide covering every right you have — what they are, when they apply, and how to invoke them.

2

Your specific situation

We map your case to the rights that apply: harassment, mis-selling, unilateral term changes, credit-info disputes, restructuring eligibility, and more.

3

Templates for action

Ready-to-use templates: complaint letters, RTI requests, nodal-officer escalations, and ombudsman filings — pre-filled with your details.

What you'll get

Concrete deliverables

No vague promises. Here's what you actually receive from this service.

  • The complete RBI Fair Practices Code in plain Hindi & English
  • Your rights checklist — annotated for your specific loan type
  • 12+ ready-to-use letter and complaint templates
  • Banking Ombudsman filing guide with case-strength assessment
  • CIBIL/CRIF dispute resolution roadmap
  • Step-by-step playbook for moratorium and restructuring requests

Pricing for this service

Included
with registration (₹499 + GST)
RBI rights education is bundled with every SettleKaro registration. It's the foundation — once you know your rights, every other service becomes more effective.
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FAQ

Common questions about this service

What is the RBI Fair Practices Code?+
It's the set of rules every regulated lender in India must follow when dealing with borrowers — from how loans are sold and priced, to how they're collected and recovered.
Does the Fair Practices Code apply to app loans?+
Yes. If the app is licensed as an NBFC or partnered with one (most are), the lending entity is bound by the RBI Fair Practices Code regardless of how the app is branded.
Can I file a complaint with the RBI directly?+
You file with the Banking Ombudsman (now part of the RB-IOS scheme), which is administered by the RBI. We help you draft and file a properly-supported complaint.
Will the lender retaliate if I file a complaint?+
Legally, no — retaliation against a complainant is itself a violation. In practice, properly-filed complaints typically result in better, not worse, treatment.
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