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How did they actually collect?
A structured, anonymous record of loan recovery conduct in India. No names, no phone numbers, no screenshots of your chats — only behaviour, aggregated so the next borrower knows what to expect.
- Lenders tracked
- 146
- Published reports
- 0
- Scored profiles
- 0
Anonymous by construction
No account, no name, no contact details. Free text is scrubbed for numbers, emails, PAN and links before it is stored.
Moderated before publishing
Every report is reviewed. Reports that name individuals or read as retaliation are never published.
Aggregate, not accusation
A lender profile only shows a conduct score once it has 3+ published reports.
Right of reply
Lenders can claim their profile and respond. Corrections are published alongside the data.
Anonymous report
Report in 8 steps
No account, no personal details, ~4 minutes. Structured questions only.
- 01
Lender
Pick the lender or recovery agent, or propose a new one.
Go to step 1 - 02
Loan & stage
Loan type and how overdue the account was at the time.
Go to step 2 - 03
How they contacted you
Calls, SMS, WhatsApp, app push, field visit or notice.
Go to step 3 - 04
Agent behaviour
Tone, professionalism, and call timing.
Go to step 4 - 05
Who else was contacted
Family, employer, contacts list, or social shaming.
Go to step 5 - 06
Threats
What was threatened — legal, police, CIBIL, public shaming, harm.
Go to step 6 - 07
What went right
Fair settlement, restructuring, waiver, or respectful handling.
Go to step 7 - 08
Review & submit
Free text is PII-scanned before anything is stored.
Go to step 8
What you can do here
Report an experience
8 short steps, ~4 minutes. Structured questions only — you never have to type a story.
OpenExplore lenders
Search 140+ lenders and recovery outfits. See conduct bands, sample sizes and reported patterns.
OpenPerformance index
Which behaviours are most reported across the whole depository, not just one lender.
OpenCompare two lenders
Side-by-side conduct comparison on the same seven dimensions.
OpenMethodology
Exactly how scores are computed, what we refuse to store, and how disputes work.
OpenIf it crossed the line
Match a threat to the RBI rule or BNS section it breaks and draft a complaint.
Open