Buy Now Pay Later — Charges Not Disclosed Before Purchase
You used a Buy Now Pay Later (BNPL) service but were not informed of all charges, penalties, or the APR before you made the purchase. Late payment fees or interest were charged without prior disclosure.
⚖️Your Rights Under RBI Regulations
BNPL providers must disclose all charges, fees, and the APR before the transaction.
Late payment charges must be disclosed prominently — hidden fee schedules are not enforceable.
You must receive a KFS before the credit is extended.
💰 What You Can Recover
Undisclosed charges are disputed and potentially refundable.
⏱ Response Deadline
30 days.
📋Step-by-Step — What to Do
Gather all communication from the BNPL provider before the purchase — check if charges were disclosed.
Write to the provider's GRO demanding justification for each charge.
File with RBI Ombudsman if the provider is a registered NBFC.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman + sachet.rbi.org.in
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