Can Banks or Recovery Agents Harass a Pregnant Borrower and Refuse Moratorium Despite Medical Hardship and NPA Status?
2 Answers
Dear Madam,
No. In India, banks and recovery agents cannot harass, intimidate, or coerce a pregnant borrower, even if the account is an NPA, and medical hardship—especially high-risk pregnancy—is a legally relevant factor. While a moratorium is not an automatic right, recovery must strictly comply with RBI norms, constitutional protections, and Supreme Court rulings. What you describe—repeated home visits causing mental distress and health risk—is legally impermissible.
You are well within your rights to stop physical recovery.
Courts, police, and RBI consistently side with medically vulnerable borrowers.
Dear Mam, as per your query,
Even for an NPA, banks cannot use coercive recovery or repeated home visits, especially after notice of a high-risk twin pregnancy, this breaches RBI recovery norms.
1. Immediate written complaint: Send a written complaint to the Bank Manager and Grievance Cell with medical certificates, demanding immediate stop to recovery agent visits and communication only in writing.
2. Police Complaint: If agents continue visiting or harassing, you may file a police complaint citing mental cruelty, criminal intimidation and also approach the RBI CMS for restraint and compensation.
For further details, feel free to contact our OLQ Team for a detailed discussion.