About Nyaya Nishtha Anti Harassment Panel

In recent years, countless individuals have faced relentless pressure and humiliation at the hands of recovery agents and financial institutions. Many of them are not habitual defaulters but people caught in genuine financial distress struggling with job loss, medical emergencies, or business failure.

Recognising this harsh reality, Nyaya Nishtha established the Anti Harassment Panel — a legal and social initiative designed to protect individuals from unlawful recovery practices and ensure that the rule of law prevails over harassment and coercion.

The Purpose Behind the Initiative

The Nyaya Nishtha Anti Harassment Panel was founded with one clear objective:

While debt recovery is a legitimate process, it must be conducted strictly within the boundaries of law. Unfortunately, recovery agents often use fear, verbal abuse, and public shaming to extract repayments. Such actions are not only unethical but constitute offences under the Bharatiya Nyaya Sanhita (BNS), 2023.

Legal Framework and Rights of Citizens

The panel operates strictly in accordance with Indian laws, ensuring that no person is subjected to unlawful harassment. The relevant legal provisions include:

Article 21 of the Constitution of India – guarantees the Right to Life and Personal Liberty, which includes the right to live with dignity and without harassment.
RBI Guidelines on Fair Practices Code – prohibit banks and recovery agencies from using intimidation, coercion, or public humiliation for loan recovery.
Consumer Protection Act, 2019 – protects borrowers from unfair trade practices and deficiency of services by financial institutions.

Bharatiya Nyaya Sanhita (BNS), 2023 –

Section 351 – Punishes criminal intimidation and threats.
Section 352 – Penalises intentional insult with intent to provoke breach of peace.
Section 126 – Wrongful restraint
Section 308 – Covers extortion and coercive methods used to obtain property or repayment.

These provisions collectively ensure that no recovery process can bypass the law or infringe upon a citizen’s dignity and legal right.

Services Provided by the Panel

The Nyaya Nishtha Anti Harassment Panel is a coalition of advocates, counsellors, and social workers committed to timely intervention and awareness. It provides:

Legal Representation & Advisory: Helping victims take legal action against unlawful recovery methods and help in Settlement of their loan
Preventive Intervention: The panel directly communicates with banks or agencies to settle the matter amicably and ensure lawful conduct during recovery.
Complaint Assistance: Drafting and filing formal complaints before the Police, RBI Ombudsman, or Consumer Commissions.
Psychological & Emotional Support: Providing counselling for individuals facing mental distress due to financial harassment.

Empowering Justice Through Awareness

At its core, the Anti Harassment Panel is not merely a legal body — it is a movement for fairness and respect. It aims to bridge the gap between law and accessibility, ensuring that ordinary citizens understand their rights and have the courage to enforce them.

Debt does not diminish a person’s worth. Every citizen, regardless of their financial situation, deserves to be treated lawfully and humanely.

Join the Movement

Nyaya Nishtha invites legal professionals, activists, and citizens to be part of this initiative. Together, we can ensure that no one is ever harassed in the name of debt recovery.

If you or someone you know is facing financial harassment, don’t stay silent — reach out to the Nyaya Nishtha Anti Harassment Panel for immediate assistance.

WhatsApp or Visit Contact Section at www.nyayanishtha.com

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