# RBI issues new loan recovery rules, effective 1 Jan 2027 2026-08-07T23:22:24+00:00 | Governance | Indian Opinion Desk Corroboration: 1 independent outlet The Reserve Bank of India (RBI) has issued a new framework for loan recovery, effective 1 January 2027. Recovery agents cannot threaten, abuse, or harass borrowers. Calls and visits are allowed only between 8 am and 7 pm unless the borrower agrees otherwise. Agents must carry an identity card and authorisation letter from the bank. Banks remain responsible even if they outsource recovery. If violations cause loss, the bank must compensate the borrower. The rules also ban recovery calls during family emergencies and require every bank to have a dedicated complaint officer, Business Today reports. ## Coverage - bazaar.businesstoday.in Tags: 2027, banking regulations, borrower rights, loan recovery, RBI, recovery agents Canonical: https://indianopinion.org/rbi-issues-new-loan-recovery-rules-effective-1-jan-2027/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/rbi-issues-new-loan-recovery-rules-effective-1-jan-2027/#story-in-brief Review state: restored archive article, accurate at time of publication, not offered to search indexes.