Recovery Agents को RBI की चेतावनी: Guidelines for Recovery Agents of Bank and Financial Institution

In this video Mukesh Mohan Gupta has explained a Circular of Reserve Bank of India on the guidelines for Recovery Agents appointed by the banks and Financial Institutions. The contents of the circular on Outsourcing of Financial Services - Responsibilities of regulated entities employing Recovery Agents vide No. RBI/2022-23/108 DOR.ORG.REC.65/21.04.158/2022-23 dated August 12, 2022 are as below:
The Reserve Bank of India has from time to time advised regulated entities (REs) that the ultimate responsibility for their outsourced activities vests with them and they are, therefore, responsible for the actions of their service providers including Recovery Agents (hereafter referred to as ‘agents’).
2. It has been observed that the agents employed by REs have been deviating from the extant instructions governing the outsourcing of financial services. In view of concerns arising from the activities of these agents, it is advised that the REs shall strictly ensure that they or their agents do not resort to intimidation or harassment of any kind, either verbal or physical, against any person in their debt collection efforts, including acts intended to humiliate publicly or intrude upon the privacy of the debtors' family members, referees, and friends, sending inappropriate messages either on mobile or through social media, making threatening and/ or anonymous calls, persistently1 calling the borrower and/ or calling the borrower before 8:00 a.m. and after 7:00 p.m. for recovery of overdue loans, making false and misleading representations, etc.
The instructions contained in para 2 above shall supplement and be read in conjunction with the existing guidelines/directions issued by the Reserve Bank of India, as amended from time to time, including those tabulated in
Any violation in this regard by REs will be viewed seriously.
Applicability
3. This circular shall apply to the following REs:
(a) All Commercial Banks (including Local Area Banks, Regional Rural Banks, and Small Finance Banks) excluding Payments Banks;
(b) All All-India Financial Institutions (viz. Exim Bank, NABARD, NHB, SIDBI, and NaBFID);
(c) All Non-Banking Financial Companies including Housing Finance Companies;
(d) All Primary (Urban) Co-operative Banks, State Co-operative Banks, and District Central Co-operative Banks; and
(e) All Asset Reconstruction Companies.
4. This circular shall not apply to micro-finance loans covered under ‘Master Direction - Reserve Bank of India (Regulatory Framework for Micro-finance Loans) Directions, 2022’, dated March 14, 2022.
The circular has been issued by Mr Sunil T. S. Nair, Chief General Manager of Reserve Bank of India.
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[@Anirban-qs2ll]

Strict action is to be taken against the sbi employees who are harassing the Customer forces, and told that there are no time for customers

[@rajabconstructionco.9973]

Very good information helpful and great advice excellent explanation valuable useful video thanks you God bless you always sir Mr Mukesh mohon gupta sir jai hind 🇮🇳🙏 jodhpur rajasthan India 🙏🇮🇳

[@nibandhkumar8399]

Sir jitne saare financial bank hai sabko time table routine banani chahiye Jo ki chhutti k din bhi employee ko chhutti nhi di jati hai recovery agent ko

[@subhashkhorwal6577]

Thanks for guide First'view

[@sureshsolanki5158]

Thanks sir

[@Noorhasan-qk5ox]

Good information sir

[@muzammilinamdar4352]

Tx sir nice message

[@ejaziqbal7591]

Thanks

[@neerajaggarwal5567]

Gajab ho gaya bauji gajab

[@joysavan]

Sir is there any loan or other scheme for exporter?

[@chouhaninternetgyan6968]

Sir mere Saath fraud Hua Hai or Maine consumer court me case Kiya Hai bank ke upper ab EMI na de to Kya vo Mera Makan sale kar sakte Hai Kya case Chal raha hai

[@hsvlogs2021]

Sir maine flat purchase Kiya jiska loan de raha ho aur regular de raha ho. Ab problem ye ki jis se maine flat liya uska home loan close nahi hua jo same bank se tha aur usi bank se loan mai ne bhi liya. Ab bank Wale muje pareshan kar rahe hai. Ab muje kya karna chahiye please help me and suggest me

[@laxminarayanenterprisesrar5865]

Sir me 50lakh ka loans ,liya hu Flyash Bricks making ke liye ,kya or konse scheme pe subsidy milpayega.Eske liya kaha pe apply karna hoga.

[@onestopsolution619]

Nice

[@saikumarsriramula741]

Mera mom ka Ujjivan Small Finance Me Loan Liya He But A Month Ham log Loan bhai Nahi Paya he Ham log next Month Bhar Denge 2 EMI S Ke Sath Phir Bhi Nahi sun Rahe He Vo Log Ghar arahe He Kya Ye Possible He Kya Next month EMI Bhar Sake

[@raushanraghawanofficial]

Hi sir, I have a business of fertilizers and seeds, to make this business big, I applied for a loan on the Jan Samarth portal and got approved, now what to do after esc.please help me to get loan

[@Tushar980]

Sir mera loin pass nhi kar rhi he uske liye kya karna padega

[@rakesh.thakur...bhikari]

🔥🔥🔥🔥🔥. 🔥🔥🔥🔥🔥

[@raghuveerraz]

Namaskar sir mai ne request from bhare the 20 day ho Gaya koi response nahi aaya qya aap help Kar sakte hai sir please thanks you sir

[@sunilgavade6580]

Timely getting payment after performing work. Clients are outsourcing work after performing the works, getting payment is major problem

[@sunnygoswami4846]

Hu but if some people suffering some problems means they should maintain limit

[@ActiveMovie4321]

Sir meri bife ne Bajaj ki adv emi paid kr di galti se or Bajaj ka phone AA rha hai maine unko bola refund krne ke liye bo mana kr rhe hai

[@_anuraag_gogoi_]

Bank manager home loan ko delay kar raha hai... 2month ho gaya wo bol raha hai ki abhi busy hoon free ho ke aapka dekhunga... Mujhe kya karna chahiye jldi kam hone ke liye

[@sumantadas544]

Sir, what about personal loan recovery. Once a personal loan emi deducted from the Garment's AC without notifying the Garentor Or loanee. It was just 12 day due only. The lonee was in contact with the bank. Asked for 15 days time.What RBI say.

[@fcuinvestigation]

Sir Document Verification agency/company kholne ke liye kon sa licence lagta hai

[@vimalthakar3498]

Kya benkar tam lon ke sath mili huvi kepithal aemaunt ko rok sakte he

[@RamSingh-wz1vn]

Good

[@prakashawasthi2460]

Main RBI mein complaint likha rakhi hai Bank ke khilaf lekin abhi tak theek Nahin Hui to kya Karen

[@shitalgavade9493]

India🇮🇳 must send the Indian🇮🇳 Engineering Students to Germany 🇩🇪 which can bring good revelation in development of India Manufacturing sectors

[@devisingh-em3nf]

Sir mujhe computer relairing laptop repairing and printer repairing mobile repairing cctv camera repairing ka course ke liye loan chahiye fee 1 lakh rupee hai mere pass paise nahi hai m bilkul garib aadami hu mere pass koi property nahi hai mujhe private institute se ye course karne mujhe loan mil jayaega ya nahi

[@devisingh-em3nf]

Sir mere ko computer repairing ke liye loan mil jayaega

[@sanjeetgupta6321]

Sir Recovery agent ke BAJEYE direct Company ko gide kare to acha hoga kyonki jitna ve recovery agent hi sub company se prasan hi clent agar pisa nhi deti to staff ko apne poket se bharna parta hi kyonki usko staff ke sath bahut he bura keya jata hi

[@KhanAli007]

Where do we complain?

[@motivationalquotesunstoppa7502]

How to contact sir

[@V.U.DENTERPRISE]

Fullerton company se 2018me unsecured loan PL liya tha. Thode emi bad meri situation bigd gai to bhar nhi pa Raha . To muje nhi pata meri contact list unke pass kaha se aayi. Par vo log meri list par sab ko call karke meri ijjat udd rahe he. Me kya karu ?? Mann hani ka case kar skta hu kya? Loan mene li he to vo dusro ko q harrasment kar rahe he?

[@navneetsingh6315]

Aap usko boliye mere dadaji ko bhi call kijiyega toh bhi Paisa wo nhi denge.....aur dusro ko call karne se aap he ka time waste ho raha h

[@cskadel1234]

Uncle ji namaste 🙏 Mere father ki death baad father ko me bacha nahi paya😢 aur issi wajah se financial issue bhi agaya loan me timr to time pay karta tha ek din ka delay nahi...... Aj mere relatives ko call karte bad galiya dete hai aur dhamkiya dete hai me kya karu aap batao mujhe......?

[@RK-yp7oi]

RBL Bank recovery agents calling me in office reception numbers (they fetched my office reception no from my organization website) instead calling me to my registered mobile no,what to do? Daily 25-30 calls to my office reception nos.

[@sunnygoswami4846]

Some bank people taking other people identity to take loan without knowing them ans asking to pay what u do.

[@manishjain8363]

Mere sath bhi same Aisa hi ho raha hai apne kya kiya tha

[@hiteshpriyadarshi5799]

RBI ka koi complain number ya koi mail address he sir

[@pawansaxena5789]

Sir kindly make a video in regards of foreclosure charges. Bank and nbfc are taken unnecessary charges at the time of foreclosure loan.plz sir guide

[@MSMEHelpline]

Ok sure

[@devisingh-em3nf]

Sir aap ne mahindra finance ka mobile number diya tha unse main baat ki thi sir loan 100 percent mil jayega na sir baad me koi pershani to nahi aayegi m bahut garib aadmi hu

[@suvasish477]

Mene loan vharne ke baad vhi poreshan kar rahe he koi madad nahi karta

[@Anirban-qs2ll]

It's required to remove the Customer Care immediately as well as Branch Manager, SBI also, take immediate take necessary action please

[@maa75938]

Sir maine moneyview application se 40000 thausan Loan liya tha jisme 3 emi jama kr diya hun 4521 pr emi hai 12 months ke liye fainencel problem hone ke karan 2 months se repayment nhi kr paya hun reference ko call krne ki thamki dete hai or mujhe bhi bahut harassment krte hai ek din men 15. 15 call aate hain inka sir please request help me

[@funnyvlogs69]

Same mere sath v Aisa ho rha

[@swamibibekanand4079]

Last 2 emi 6500 me gari repoo Agency gari bach raha hai sir

[@prasenjitchandra8465]

Can RBI take action against Recovery Agent. I have complained with voice recording but still no action taken from their end.

[@bibhassarkar8179]

No action has taken because recovery agents are right

[@likesports2978]

Sir ji आप की टिम का phone आया था वो Loan देने से पहले ही 5000 मांग रही थी क्या ठिक है please riplay kro

[@goodmorninglucknowctcchai2322]

Sir koi sarkari bank ka menijar thikse bat nare to kisse kahe

[@AjaySingh-jo8ln]

Sir pranam 🙏🌹 Mai aapse batt karna chahta hun

[@devisingh-em3nf]

Sir mahindra se call aaya tha aapne number diya tha delhi se call aaya tha 1100 rupee file charge mang rahe the kya sahi hai

[@devisingh-em3nf]

Sir ye private finance company hai sir bank se loan nahi milta h

[@worldwidememe9477]

What are the guidlines for field officer face harassment

[@nirmaychakraborty6159]

কালকে আমার সাথে হয়েছে, আমি cooch behar থেকে in north bengal..... Bajaj FINANCE বাইক নিয়েছিলাম, শুধু বলেছি এই মাসে কিস্তি দিতে পারছি না,,FINANcial প্রবলেম আছে....কিন্তু সেই মহিলা কে আমি বললাম আমাকে কিছু নিয়ম আপনি show করতে পারবেন? যেমন ডিসেম্বর, জানুয়ারী, ফেব্রুয়ারি এই 3 te মাস নাকি তাদের হিসেবে এর মাস....আমি শুধু officially দেখতে চেয়েছি....কিন্তু উনি তারপর আমাকে বলে বসে, আপনি besi শিক্ষিত, আপ্নার মতো অসভ্য লোক দেখিনি.... এমন কি ওনার এজেন্ট আমাকে ভয় দেখিয়ে বলে কিস্তি না দিলে বাড়ি যাব team নিয়ে...গাড়ি নিয়ে আসব...sir আমি ki করবো এখন

[@johnorton4418]

Ki holo tarpor?

[@sharadsharma6566]

Mujhe pareshan kr rahe hai sir

[@sapnavaishnav5198]

Sir aaj mere Ghar aakr hdfc wale 4 log police ki dhamki de rhe he rbi ki guyidelin ki dhajiya uda kr gye sir me kya kru

[@sapnavaishnav5198]

My self Gourav bairagi

[@sapnavaishnav5198]

Pratik Jain tha manager

[@devisingh-em3nf]

Sir aapka number to lagata hi nahi hai

[@SmmartyIsBack]

Yes, sir Am been harassed for not speaking Hindi language, also senior executive name Dinesh moria ( IDFC chakala ) Andheri ask whether its your Maharashtra??, If you don't Know Hindi go to Pakistan, I said kindly transfer to Marathi executive, but they ask about my caste, gave bad words to my mother and wife also informed them that they will teach them ( hindi barakhadi ), they asked me whether I own Maharashtra?? So I said it's of our King Chatrapati Shivaji Maharaj, He said whether He wrote Maharashtra on your name & died, So for which I scolded him and marked letter to RBI & IDFC obadsman regarding to harassment and bullying Nature, as I have not signed to take our king or family granted, still this people keep on harassing my family and me.... Am ready to pay only emi till actual loan end date till April 2021 only If I get action against all agent and a sorry letter from IDFC CEO for such a pathetic agent behavior, I have all recordings.... Prasad Kadam Mumbai.

[@ChristopherLazarusFunny]

record all these conversations and go to idfc bank and show them, he will lose his job and then will know who owns the state, smart educated who knows their rights:)

[@ratantalukdar8408]

Sir control the mahila samuha private company loan.

[@sanjayram9173]

सर रिकवरी एजेंट किसी व्यक्ति को परेशानी होने के कारण पैसे नहीं रहने पर वह घर पर आकर बैठ जाते हैं जाते ही इस तरह के वह लोग काम

[@sunnygoswami4846]

Why u are taking loan.u dont take they will not come.

[@khanakprajapatvlogs6673]

Bajaj wala ghr aa k bol rha ha k police complain kra ga for personal loan

[@devisingh-em3nf]

Sir garibo ko laon nahi milta hai

[@lalbabuyadav099]

PMEGP Loan process tips

[@viveksahu5045]

Kahne ko h property ya guaranter mangte h aur time v bahot lete

[@niteshgupta1709]

🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏💯💯

[@devisingh-em3nf]

Sir computer laptop desktop repairing printer repairing ki traing ke liye loan chahiye 1 lakh rupee m bilkul garib aadmi hu mere papa ki death ho gayi kya aap mujhe loan dila sakte ho

[@Akshwagh34]

Hausla mat haarna dost.... Bhagwan tumhara aur tumhari family ka bhala kare...

[@devisingh-em3nf]

@@Akshwagh34 thank you bhai

[@Akshwagh34]

@@devisingh-em3nf May god bless you bro

[@hemantg430]

Actuly मॉर्निंग 8 am से गलात हे 10 am से ठिक हे लोक सोने के बाद फ्री नाही होतें हे! 10 am To 7 pm ठीक हे

[@hurarakesh4821]

Sab jut hai kuch nai hota hamara yaha par

[@Funny_Tanmay]

Kyu nahi hota he bahi

[@dineshkanojiya794]

पराईबेट बैंक के लिए कोई कानून है

[@MSMEHelpline]

Yes. Same

[@vipinpiwal6919]

RBI ne bahut achha Liya hai.Ham RBI ka sammaan karte hai.

[@sunilbairwa8581]

Mat lo bhai home loan 1 EMI bounce kya ho gayi mere ghar tak pahuch gaye jana smaal finance bank wale

[@mohitpahuja8992]

BAJAJ FINANCE is still following harassments policy and not following guidelines

[@ZONEZONEEEEE]

Ek mehne main ghar pauch jate hai

[@jai9242]

@@ZONEZONEEEEE Sahi Mai kitne Ka loan amount hai

[@ZONEZONEEEEE]

@@jai9242 amount matter nahi karta ... inka offiece har jagah hai toh visit karna asaan hai inke liye ... ammount 16k tha abb 6 k hai par abhi bhi ghar aane ki baat karte hai yeh log

[@gamingeithfelix6383]

@@ZONEZONEEEEE haa bhai 1 mahine main phuoch jate hai bajaj finance wale

[@dhrutikpatel1929]

​@@gamingeithfelix6383 ha mere ghar pe aaye the loude log ,20 din hi huve the bounce huva emi and aa gye,saaf saaf bol diya usko ja BC case karde, ya legal notice bhijva lawyer se vo to kar nhi skte continue 3 months ke EMI bounce ho tabhi legal action hoga, baki CIBIL score kam hoga to kam kar de , and bounce huva to uska penalty to bharne hi vale hai to to yaha aake dimag kyu chaat rahe ho aesa bol diya BC phir nhi aaye vapis 😂

[@Mansoorali-ee3nr]

Sir me

[@devisingh-em3nf]

Garibo ko koi loan nahi milta hai

[@mehulmakwana777]

Help karo Shar

[@user-lu5zc6rr4o]

hello sir please give me a RBI official mail.

[@mechanicalengineer8535]

Everyone is talking about how to complain on recovery agent reality is recovery agencies are pressuring the agents there are many agents who are working like this as they have no chance of getting job from other fields I searched for where can a recovery agent can complain on agencies or banks who are pressurizing recovery agent there no even one talking about this such cruel people are there in agencies they just keep on pressurize the recovery agents for recovery agents also there must be committee where they can complain their problems. I challenge no recovery agent or agency following the guidelines of the RBI properly

[@rps7564]

Bank se paisa leke mat patao aisa direct bol kyon nhi dete .

[@SMARTPOINT360]

Kuch nahi karega RBI..shirf bolne ki baat hain bol diya bss

[@conceptclear2957]

# stop Vivek bindra

[@khalsagroup2451]

Kucch nahi hai,Sabb jhooth hai,

[@Allaboutchemistry-pb1cu]

Sirf bakloli... infomation kuch bhi nhi..... bhi precise data/guidlines batate to sahi tha.... warna hmara time waste mat karo.....

[@ganeshvsable9349]

1👌👌👌👌👌👌👍👍👍👍👍👍

[@muzammilinamdar4352]

Hi sir Please sir Mereku loan chahia I'm MSME. Rajester Udaym Hain Please apka Call mobail namber Dedo mereko hi. Sir Good

[@muzammilinamdar4352]

Nice message sir TX

[@DeepakPrajapati-qo8xx]

Me deepak Prajapati main TVS credit finance service limited company se main two wheeler bike loan karvy thi main uska down payment 20000 rupaye barata aur 26 EMI karvai thi 16 MI pay kar chuka tha 10 emi baki thi main bich mein EMI dena ban kar diya tha meri Hardik sthiti bahut jyada kharab ho gai thi recovery agent mere sath bahut buri tarah se dhamkaya or traya tha main settlement ki mang ki tu mujhe koi jawab per ek din me market Gaya tu meri jabardasti chhin liya aur jab tak kar li he mujhe 30250 rupaye Bharna aur baki tha unhone mujhe kisi bhi prakar ka koi legal notice nahin diya aur jabardasti bike change kar le Gaye FIR uske bad mein unke branch mein Gaya to unhone mujhse 45500 rupaye aur mange aur godown ka charge 2000 upar alag se mange aur unke agent hone mere Ghar walon ke sath badtamiji ki main settlement ki baat ki gadi jab tak karne ke bad bhi tu mujhe koi jawab nahin mila 10 December 2022 ko meri gadi jab tak ki thi aur meri EMI thi 3025 mujhe abhi tak koi response nahin de rahe aur mujhse bolate Hain 46500 jma kra do aur 2000 godown charge jama kara do FIR ham aapki bike denge Ismein notice ka koi matlab nahin hota ek ya do EMI nahin Dene per bhi ham gadi jab tak kar sakte hain aap ko jo karna hai vah aap kar sakte ho hamara to koi bhi kuchh bhi nahin kar sakta aur ek agent to sham ko sharab pikar bhi dam katata Please meri arthik sthiti bahut kharab hai abhi bhi 10 km roj paidal chal majduri karne Jana padta hai Mai bahut pareshan ho rha hu please help Karen

[@RaviThakur-mo3od]

Gadi lene ke badh bhi ajent ate h ky or paise bhi mang kr rahe h ky

[@shitalgavade9493]

India🇮🇳 must send the Indian🇮🇳 Engineering Students to Germany 🇩🇪 which can bring good revelation in development of India Manufacturing sectors