Recovery agent rules (रिकवरी एजेंट नियम)
RBI's fair-practice rules require lenders to share recovery agent details with you, restrict contact to reasonable hours (commonly 8 am to 7 pm), and prohibit intimidation, abuse, public shaming or contacting people in your phone book. Digital lending apps are also barred from accessing your contact list or photos, so "contact-list blackmail" is both illegal and reportable.
Worked example
An agent calling at 10:30 pm, threatening you, or messaging your relatives violates RBI norms. Note names, dates and screenshots, complain to the lender's grievance redressal officer, and escalate to the RBI Ombudsman if unresolved in 30 days.