Account Marked NPA on CIBIL Without Prior Notice
Your loan account has been classified as Non-Performing Asset (NPA) and reported to CIBIL without you receiving any prior written notice of the default or the impending NPA classification.
⚖️Your Rights Under RBI Regulations
Banks must give prior written notice before classifying an account as NPA.
You are entitled to receive a notice giving you an opportunity to regularise the account before NPA classification.
If NPA was reported without notice, you can challenge the classification.
💰 What You Can Recover
Correction of NPA entry if notice was not given. Compensation for credit damage caused.
⏱ Response Deadline
Dispute immediately upon discovery.
📋Step-by-Step — What to Do
Write to the bank demanding proof that prior notice was given before NPA classification.
If no notice was given, demand immediate removal of NPA entry from CIBIL.
Raise dispute with CIBIL simultaneously.
File with RBI Ombudsman if bank refuses to correct.
🏛 Where to Escalate If Bank Doesn't Respond
RBI Integrated Ombudsman — cms.rbi.org.in
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