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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
Recent articles by Vikram
- \U0001F6E1️RBI Sachet portal complaint guide: harassment by loan apps & NBFCsRead
- \U0001F193SahiSujhav vs SettleLoan: why free beats ₹1.5L settlement helpRead
- \U0001F94730 loan apps ranked by true APR, complaints, RBI status (2026)Read
- ⚔️CASHe vs MoneyView vs KreditBee: cheapest true APR 2026Read
- \U0001F9EDNavi personal loan review 2026: is the low rate real?Read
- \U0001F41DKreditBee review 2026: true APR, charges, complaint historyRead
- \U0001F4F1Instant loan app problems in India: 2026 guideRead
- \U0001F4E6Your loan was sold to an ARC: what that means for youRead
- \U0001F3DB️RBI Banking Ombudsman vs regular complaint: differenceRead
- \U0001F4E4Loan aggregator sold your data to 10 lenders: DPDP rightsRead
- \U0001F6D1Loan app shut down by RBI: what happens to your loan and data?Read
- ❄️RBI cooling-off period: cancel a digital loan in 3 daysRead
- \U0001F510DPDP Act 2023 and your loan app: 5 data rights you can use todayRead
- \U0001F4DCRBI Digital Lending Guidelines 2022 in plain languageRead
- \U0001F4F1Instant loan app reviews 2026: 4 apps testedRead
- ⚖️Can a loan app file FIR against me? (2026)Read
- ⚖️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
- \U0001F4C4How to read your loan KFS in 3 minutesRead
- \U0001F6E1️Recovery agent ghar pe aa raha hai — tumhare 9 legal rightsRead
- \U0001F4DCRBI Digital Lending: 8 rights every borrower hasRead
- \U0001F1EE\U0001F1F3RBI Sachet complaint: full step-by-step guideRead
- \U0001F4DCLegal notice for loan harassment: does it actually work?Read
- \U0001F50ELoan app not RBI registered? Check this wayRead
- \U0001F4CBGetting 50 recovery calls a day? Document it this wayRead
- ⚖️RBI Ombudsman complaint: when, how, what to expectRead
- \U0001F4ACWhatsApp group harassment by a loan app: is it legal?Read
- \U0001F6AARecovery agent at your door? Know your rightsRead
- \U0001F4F5Loan app threatening to leak your photos? 5 laws protect youRead
- \U0001F1EE\U0001F1F3RBI Sachet portal: step-by-step harassment complaint guideRead
- \U0001F6A8Loan app calling your family? That is a crimeRead
- \U0001F4DERecovery agent called before 8 AM? That is illegalRead
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.