Legal Action During Review

No. While your hardship application is under review, no recovery or legal action will be initiated against your account.

RBI guidelines require:

All recovery actions are paused from the date of hardship application submission
No recovery agents will contact you while your case is active
Your account will not be classified as NPA while under formal hardship review
You have the right to be heard and to negotiate repayment terms before any action is taken
If your application is declined, you will be given written notice and 30 days to respond before any recovery action begins

If you experience any recovery contact while your case is under review, contact our grievance team immediately on 18001600 / 18002600 .