Next: Fraud and safety
How to judge anyone giving money advice
A test you can apply to any finance creator online — including to us. What a SEBI registration actually means, what disclosure looks like, and the tells.
7 min
beginner
Loan apps and recovery harassment
What illegal lending apps do with your contacts, what recovery agents are not allowed to do, and where to take it once the calls to your family start.
2 lessons · about 13 minutes · written for reading age 13 · last checked 2026-08-01
How the trap closes
A loan approved in minutes with nobody checking anything, a permissions screen written to be scrolled past, and a repayment window of only days.
6 min
What recovery may not do, and where to go
Harassment, threats and morphed images are crimes being committed against you — not debts you have to pay off to make them stop. Here is where to take them.
7 min
Check yourself
3 questions at the end. Every wrong answer explains itself.
What changed recently
Dated commentary on this topic — a Budget change, a new rule, a scam pattern.
Sources
- Reserve Bank of India — regulations and public awareness — Reserve Bank of India · checked 2026-08-01
- National Cyber Crime Reporting Portal — Ministry of Home Affairs · checked 2026-08-01