Credit Card 
Other Products
IndiaLends App is available in
Latest RBI Rules for Personal Loans 2025
Latest
RBI Rules for Personal Loans 2025
The Reserve
Bank of India (RBI) frequently updates its regulations to make personal
lending in India safer, transparent, and more borrower-friendly. In 2025,
new RBI rules focus on:
If you are
planning to take a personal loan, here’s a quick guide to the latest
RBI rules and what they mean for you.
Matrix:
RBI’s Latest Personal Loan Rules (2025)
|
Rule /
Update |
What
RBI Mandates |
Impact
on Borrowers |
|
Digital
Lending Norms |
All loans
via apps must be reported to Credit Bureaus; loan agreements to be shared
digitally (RBI Circular) |
Borrowers
get transparency, reduced fraud risk |
|
KYC
Guidelines |
Mandatory Video
KYC & Aadhaar-based authentication for all new borrowers |
Faster
approval, reduced paperwork |
|
Interest
Rate Disclosures |
Banks/NBFCs
must display all charges upfront in a Key Fact Statement (KFS) |
Helps
avoid hidden fees |
|
Loan
Recovery Practices |
Recovery
agents barred from contacting borrowers before 8 AM or after 7 PM |
Protects
borrower rights |
|
Prepayment
& Foreclosure |
Lenders
must clearly disclose prepayment charges; no penalty on floating-rate loans |
Cheaper
for early repayment |
|
Creditworthiness
Check |
Lenders
must assess borrower’s income-to-debt ratio before disbursal |
Promotes
responsible borrowing |
Key
Highlights of RBI Personal Loan Guidelines 2025
1.
Digital Lending Transparency – Borrowers must receive digital loan agreements,
repayment schedules, and grievance redressal details.
2.
No Hidden Charges – All processing fees, foreclosure charges, and penalties must be
disclosed upfront.
3.
Borrower Protection – Stronger rules against harassment by recovery agents.
4.
No Prepayment Penalty – Floating-rate personal loans are exempt from foreclosure charges.
5.
Stricter NBFC Oversight – Non-banking financial companies (NBFCs) must follow the
same transparency norms as banks.
How These
Rules Benefit You
👉 Compare personal loan offers from top banks & NBFCs on IndiaLends.
Internal
Links
External References
Final
Thoughts
The latest
RBI rules for personal loans (2025) strengthen borrower protection, improve
digital lending safety, and ensure cost transparency. Before applying, always
review your Key Fact Statement (KFS) and compare offers to get the best
deal.
👉 Apply for a personal loan on IndiaLends and check offers from multiple banks & NBFCs in
one place.
Scan this QR Code
Latest Articles
Upcoming Sale Calendar 2025 – Which Credit Card to Use & When?
10 Sep 2025
How to Save ?10,000 Extra This Sale With the Right Credit Card
10 Sep 2025
Best Credit Cards for Amazon & Flipkart Sales 2025: Save More This Festive Season
10 Sep 2025
Employee Provident Fund Organisation (EPFO): Complete Guide
03 Sep 2025
EPF vs PPF: Which One Should You Choose?
03 Sep 2025
Relevant Articles
How to Reduce Personal Loan EMI Quickly
29 Aug 2025
Credit Card Annual Fee Waiver Tricks
29 Aug 2025
How to Get a Personal Loan with a Low CIBIL Score – A Complete Guide by IndiaLends
24 Jul 2025
Things You Didn’t Know Affect Your Credit Score
25 Jun 2025
Can Credit Cards Be Linked to UPI in India? | What You Need to Know in 2025
25 Jun 2025
FAQ’s
Yes. No foreclosure charges are allowed on floating-rate personal loans.
Yes, all RBI-approved lending apps must report loans to Credit Bureaus and share loan agreements digitally.
No. As per RBI rules, they cannot contact borrowers before 8 AM or after 7 PM.
Yes. NBFCs must follow transparency norms, KFS disclosures, and borrower protection guidelines.
Borrowers can now complete video KYC, reducing paperwork and making loans faster to process.
URL copied to clipboard successfully !Download the IndiaLends App Now
Scan this QR code to download the app
