Loan harassment in India rarely announces itself upfront. It reveals its presence slowly, usually after a borrower has slipped on repayments for a few weeks. What begins as ordinary follow-up soon becomes something sharper. Calls begin to stack up. Numbers keep changing. Voices grow firm and eventually hostile.

Across the country, this shift has quietly become a defining feature of India’s rapidly expanding credit ecosystem.

“It has become rampant,” said Anurag Mehra, founder of Expert Panel , one of India’s largest platforms for debt and loan dispute resolution. “The Reserve Bank of India (RBI) has strict guidelines, but enforcement on the ground is weak. Borrowers face intimidation, threats and humiliation every single day.”

Mehra’s team works with borrowers across income brackets a

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