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Vikram Sharma
Borrower-Rights Writer · 8+ yrs
Eight years covering Indian fintech, RBI digital-lending rules, and recovery-agent harassment.
LinkedInAbout Vikram
Vikram has spent the last eight years reporting on India's digital-lending boom — from the 2018 micro-loan wave through the 2022 RBI Digital Lending Guidelines and the ongoing crackdown on unauthorized apps. He writes the harassment, RBI-rights, and loan-app coverage on SahiSujhav.
He reads every RBI Master Direction and Sachet portal advisory the moment it drops, so readers don't have to. His goal: turn 30-page circulars into one-page answers borrowers can act on the same day.
Before SahiSujhav, Vikram contributed reporting on consumer-finance to several Indian business publications and worked with borrower-support NGOs in Karnataka and Maharashtra.
Areas of expertise
- RBI Digital Lending Guidelines
- Recovery Agent Code of Conduct
- Fair Practices Code
- RBI Sachet portal complaints
- Borrower Rights in India
- Loan-app due diligence
Education
Indian Institute of Mass Communication, New Delhi
Credentials
- ✓8 years reporting Indian consumer finance
- ✓Tracks every RBI Master Direction and Sachet advisory
- ✓Borrower-NGO field experience in Karnataka & Maharashtra
Recent articles by Vikram
- 🏦RBI New Rules 2026: The End of 300%+ Payday Loans in India?Read
- 🏛RBI New Loan Recovery Rules 2027: Recovery Agent Guidelines, Calling Hours & Borrower RightsRead
- 🧮Hidden Cost of Instant Loan Apps in India 2026: The Real APR MathRead
- 🌀Payday loan rollover trap: how ₹5,000 becomes ₹40,000 in six monthsRead
- 📱Instant loan app problems in India: 2026 guideRead
- 📦Your loan was sold to an ARC: what that means for youRead
- 🏛️RBI Banking Ombudsman vs regular complaint: differenceRead
- 📤Loan aggregator sold your data to 10 lenders: DPDP rightsRead
- 🛑Loan app shut down by RBI: what happens to your loan and data?Read
- ❄️RBI cooling-off period: cancel a digital loan in 3 daysRead
- 🔐DPDP Act 2023 and your loan app: 5 data rights you can use todayRead
- 📜RBI Digital Lending Guidelines 2022 in plain languageRead
- ⚖️What If You Don't Pay a Loan App (2026 Guide)Read
- ⚖️Can you go to jail for not paying a loan in India?Read
- 📄How to read your loan KFS in 3 minutesRead
- 📜RBI Digital Lending: 8 rights every borrower hasRead
Editorial independence: SahiSujhav writers do not accept payment from lenders, brokers, or app developers. All recommendations are based on public data and reader-reported experience. See the transparency page for our funding model.