RBI Sachet portal: step-by-step harassment complaint guide

Every day in India, thousands of borrowers are harassed by loan apps and recovery agents. Illegal calls at midnight. Abusive language. Contacts being messaged. Threats of arrest.

And every day, most of those borrowers do nothing — because they do not know that a free, powerful, government-backed complaint system exists. One that can stop the harassessment, reverse unfair charges, and even result in compensation.

That system is RBI Sachet — sachet.rbi.org.in. This is your complete 2025 guide to using it.

What Is RBI Sachet?

Sachet is the Reserve Bank of India's portal specifically for complaints about: Unauthorised and illegal loan apps NBFCs violating RBI fair practices codes Loan harassessment and recovery misconduct Predatory lending practices Data privacy violations by lending apps Any financial entity operating without RBI registration

It is free. It requires no lawyer. It typically produces a response from the lender within 2–4 weeks of filing.

Important: Sachet is primarily for regulatory complaints — it notifies RBI and puts the lender on record. For complaints seeking financial compensation (refund, damages), you will also want to file with the RBI Integrated Ombudsman (cms.rbi.org.in). Many borrowers file both simultaneously.

Before You File: What You Need

Essential: The name of the loan app or lender Your loan account number or application ID Description of the violation with dates Your contact details (name, email, phone)

Recommended (strengthens your case significantly): Screenshots of harassessment calls (call log with timestamps) Screenshot of messages sent to your contacts by the lender Screenshot of the loan offer or KFS (if complaining about disclosure) Screenshot of any threatening messages Recording of abusive calls (if available)

Organise all of this before starting the form. The portal will ask for it.

Step-by-Step Filing Guide

Step 1: Go to sachet.rbi.org.in

Open the portal in any browser. It works on mobile and desktop. You do not need to create an account — though creating one helps you track your complaint.

Step 2: Select "File a Complaint"

On the homepage, find the "Complaint" section. Click "File a Complaint Against an Entity."

Step 3: Choose Your Complaint Category

The portal asks you to categorise your complaint. Common categories relevant to borrowers:

"Lending — Loan Harassessment" — for recovery agent misconduct, out-of-hours calls, threatening language "Lending — Data Privacy" — for contact list access, third-party messaging "Lending — Unfair Practices" — for hidden charges, KFS violations, insurance bundling "Unauthorised Entity" — for illegal loan apps not registered with RBI

Choose the most specific category. If multiple apply, you can file separate complaints or describe all violations in one.

Step 4: Identify the Entity

Enter the name of the loan app or lender. The portal has a searchable database of registered entities. If the app does not appear — that is itself evidence they may be unregistered, which is a violation in itself.

Step 5: Fill the Complaint Form

Describe your complaint clearly and specifically. This section matters most. Use this structure:

1. The violation: What happened? (e.g., "Recovery agent called at 6:15 AM on [DATE], which violates RBI's 8 AM–7 PM restriction")

2. The evidence: What do you have? (e.g., "I have screenshots of call logs showing 3 calls before 8 AM")

3. The harm: How were you affected? (e.g., "The calls caused me distress and affected my work")

4. What you want: What outcome are you requesting? (e.g., "Immediate cessation of harassessment, apology, and review of late fees")

Be specific about dates, amounts, and regulation references. "They harassed me" is weaker than "Recovery agent called at 6:15 AM on June 3, 2025 — which violates RBI Fair Practices Code restriction of 8 AM–7 PM."

Step 6: Upload Evidence

Upload your screenshots, recordings, and any other documents. Maximum file size is typically 5MB per file. Compress if needed.

Label each file clearly: "CallLog_June3_6AM.jpg", "WhatsApp_ContactHarassed.jpg" etc.

Step 7: Submit and Save the Acknowledgement

After submission, you will receive a complaint reference number. Save this number. Screenshot the acknowledgement page. You will need this number to track your complaint and to reference it in any escalation.

What Happens After You File

Week 1–2: RBI reviews the complaint and forwards it to the lender's Nodal Officer with a request for response.

Week 2–4: The lender is required to respond to both you and RBI. Most lenders respond faster when RBI is involved compared to direct complaints.

Week 4–6: If the lender resolves your complaint satisfactorily, the case is closed. If not, you can escalate to the RBI Ombudsman.

What "resolved" looks like: The harassessment stops, fees are waived, or you receive a formal apology and acknowledgement of the violation. In serious cases, RBI may initiate regulatory action against the lender.

HeyZ AI + Sachet: The Faster Path

SahiSujhav's Harassessment Checker, powered by HeyZ AI, can:

Analyse your call log screenshots for RBI violations Draft the complaint narrative in RBI Sachet's required format Identify which category to select on the Sachet form List the RBI circular references relevant to your complaint Generate your lender complaint letter and Nodal Officer letter simultaneously

This cuts your filing time from 45 minutes to under 10 minutes. Free. No login. No PAN.

After Sachet: What Else Can You Do?

RBI Ombudsman (cms.rbi.org.in): For financial compensation — file if Sachet doesn't produce a satisfactory outcome within 30 days.

Consumer Forum: For deficiency of service — particularly if financial harm resulted.

Cybercrime Portal (cybercrime.gov.in): If the harassessment involved contact access, fake identity claims, or data theft.

Your State Banking Ombudsman: For harassessment specifically from scheduled commercial banks.

Start your Sachet complaint with HeyZ AI guidance — free at www.sahisujhav.com

SahiSujhav documents harassessment, drafts complaints, and guides you to the right regulatory channel. Free. Anonymous. DPDP Compliant.

Related on SahiSujhav:

• Recovery agent at your home — your rights
• Send a legal notice for loan harassment
• Open the Harassment Toolkit