New RBI directions, effective January 1, 2027
Your recovery calls just became a compliance risk. Here's what to fix before January 2027
RBI has rewritten the rulebook on loan recovery conduct. Calling hours, call recording, device locking, and grievance officers — all of it now applies the same way to banks, NBFCs, and HFCs. Join this session to see exactly what changes and how to get your collections operation ready.
Three rulebooks. One deadline. Zero exceptions.
Until now, banks, NBFCs, and HFCs all followed different rules for loan recovery. The RBI just changed that.
A new set of rules now applies to everyone equally — and the deadline is January 1, 2027.
For collections and compliance teams, this is a big deal. It changes how you call, when you call, what you record, and how long you keep it. Get it wrong, and you're looking at regulatory trouble and reputation damage.
Four changes. One deadline. Are you ready?
Calling hours are now enforced
Recovery calls and visits are restricted to 8 AM to 7 PM. No exceptions unless the borrower asks for a different time.
Every call must be recorded
All recovery calls must be recorded and stored for at least six months. Borrowers must be told the call is being recorded.
Device locking has strict new rules
You can only lock a device if the loan was for that specific device, and only after it's been overdue for 30 days. Personal loans can no longer be used to disable someone's phone.
A grievance officer must be named
Banks must now name a grievance officer in the loan agreement and in every recovery communication, sharing their name, email, phone number, and office address.
Trusted by India's leading financial institutions
This session is for you if you own collections risk
- Compliance and Risk Heads at banks, NBFCs, and HFCs
- Collections and Recovery Operations Leaders
- Legal and Regulatory Affairs Teams
- CX and Contact Center Leaders running in-house or outsourced collections
Walk away with a playbook, not just slides
- 1A simple breakdown of the new rules — what changed, what's new, and what you need to do first
- 2What “compliant” looks like in practice — call recording, storage, consent, calling hours, and agent certification made simple
- 3Where most banks and NBFCs are falling short today — real patterns we're seeing across the industry
- 4A practical checklist you can hand to your compliance and operations teams the same day
Meet the expert
[Exotel Compliance Expert Name]
[Title, Exotel]
With over a decade of experience building collections infrastructure for India's leading banks, [Name] has helped financial institutions navigate regulatory shifts while maintaining operational efficiency.
Don't wait for an audit to find the gaps
January 1, 2027 is closer than it looks. Register now and get the checklist, the deadline breakdown, and a direct line to ask your own questions.
Register for the Webinar