Reviewed on: 2026-06-12.
A loan creates three kinds of records, and each can go wrong after you repay. The lender's own books can keep the loan alive. The CERSAI charge registry can keep a lien on your property. And the credit bureaus, CIBIL, Experian, Equifax and CRIF, can keep reporting dues you cleared years ago. This category covers the paperwork and records of borrowing: closure proofs, NOCs, lien removal, credit report corrections and recovery action such as auction notices. For EMI disputes and lender conduct during a running loan, see banking and finance.
Two deadlines do most of the work here. After full repayment, the lender is expected to release property documents and update CERSAI within 30 days of closure. A credit bureau dispute usually gets 30 days too, and under the RBI's 2023 directions, compensation of Rs 100 per day can apply when a dispute stays unresolved beyond that. When the lender stalls, the route is its grievance cell first, then the RBI Integrated Ombudsman at cms.rbi.org.in, which now also covers credit information companies.
Banks and NBFCs are private bodies for RTI purposes, but RBI is not. RTI to RBI about action taken on your complaint is often the lever that works.
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