An Initiative of “SuryaShakthi Foundation” an NGO
An NGO registered as a Non-Profit Organisation under Section 8 of the Companies Act, 2013
Welcome to a movement born out of pain, fuelled by truth, and driven by the unwavering pursuit of justice. For years, millions of credit borrowers across India have been subjected to systemic injustice—vilified, humiliated, and excluded by a financial and legal ecosystem that often punishes without due process, compassion, or accountability.
Justice for Credit Borrowers, an initiative of “Surya Shakthi Foundation” an NGO is a platform that stands as a voice for the voiceless, a shield for the wronged, and a call to action for every citizen who believes in fairness, dignity, and constitutional rights. We stand as a powerful voice for those who have been silenced—entrepreneurs, individuals, and families crushed under the weight of unjust practices, public shaming, and digital discrimination.
We are not just raising our voices—we are invoking the law, igniting awareness, and demanding reform. It’s time to end financial discrimination, restore the dignity of genuine borrowers, and build a just system where accountability, transparency, and humanity prevail.
We challenge the unchecked powers of banks, credit bureaus, and fintech players who misuse technology, weaponize credit scores, and violate privacy with impunity.
It’s time to rise, to question, and to reform. We are here to challenge a broken system, expose systemic abuse, and demand accountability. This is more than a movement—it’s a mission to restore dignity, human rights, and justice for credit borrowers from various Banks & Financial institutions across the country. The time for silence is over. The fight begins now & here!
Default is Not a Crime.
Failure is Not Permanent or Intentional!
One financial setback shouldn’t destroy your Rights, Dignity & your Future.
Millions of honest borrowers in India are being Neglected, Branded, Humiliated and Erased from the financial system—simply because they made delayed payment. Banks, Credit Bureaus, and Fintech giants have turned financial distress into social punishment, treating borrowers who have made late payments like hardened criminals.
We are trying to Restore the Borrowers Rights, Dignity, their Future and Reform the System. No one deserves to be branded, humiliated, or erased from the banking system. We refuse to accept this injustice. It’s time to Fight Back & Protect the Rights of Credit Borrowers across this Country.
Our Fight
We’re to end the cruelty, exclusion and silence.
Justice
For borrowers wrongly branded and excluded by an unfair system
Dignity
For those publicly humiliated and stripped of their self-respect
Protection
Against digital surveillance and financial discrimination
The Crisis We Face
exclusion from opportunities treating them like criminals instead of citizens in crisis.
Public Humiliation
Poster, drum-beating, and neighborhood shaming target borrowers
Digital Black listing
” Unworthy” blocking access to finance
Systemic Exclusion
Denied loans, jobs and housing with no chance to recover
The current credit system in India has silently turned into a weapon of humiliation and exclusion. Even “Few Missed EMI & Delayed Payments Would Erase Your Future.” Instead of helping, we have a System that Humiliates Borrowers. Even One Financial Setback would Destroy a Lifetime of Credibility.
Honest Borrowers Facing Financial Hardship are Being Systematically Crushed
Blacklisted Nationwide by All Banks
Once you default or delay a payment, all banks uniformly block access to all credit facilities, overdrafts, and even other basic financial services—without assessing your genuine circumstances.
Public Shaming through Newspapers & Neighborhood Humiliation
Your name, photo, and default details are published in leading English & local language newspapers, and in many cases, public announcements (like drum-beating) are made in your locality to shame and isolate you.
Branded as “Unworthy” by Credit Bureaus
Credit Information Companies permanently label you as “Not Creditworthy,” making borrowers “Financially Paralysed” for infinity by cutting off all access to future financial support from any bank or financial institution across India.
Treated as Financial 'Untouchables'
The entire financial ecosystem—banks, NBFCs, and fintech platforms—treat genuine borrowers like social outcasts, without giving them any chance of redemption or reform
Digitally Tracked and Trapped by Fintech Companies
Digital lenders and fintech apps intrusively monitor your phone activity, contacts, messages, and location, violating privacy and using this data for coercion and harassment.
Subjected to Digital Discrimination & Lifetime Blacklisting
You are flagged and blacklisted across databases, apps, and internal systems, facing algorithmic discrimination that denies you any second chance—ever.
Branded Publicly as Defaulters, Denied Fundamental Dignity
You are denied respect, dignity, and compassion, and reduced to a derogatory status that permanently tarnishes your social and financial identity.
Denied Loans, Jobs, Housing & Economic Opportunities
Credit reports are misused by employers, landlords to systematically deny you a job, a house, or any bank facility —even if you are not a fraudster. These days, even many matrimonial websites access these details to check on creditworthiness of the prospective grooms & brides.
Vilification Campaigns That Destroy Lives
Ongoing negative reporting, social media defamation, and repeated labeling ensure you are never able to bounce back in life or rebuild your financial reputation.
No Distinction Between Fraud and Distress
The system does not differentiate between willful defaulters and those in genuine crisis—everyone is criminalized without a hearing or human consideration.
Denied the Right to Privacy & Confidentiality
Private financial data is leaked, shared, and misused without consent, violating your fundamental right to privacy guaranteed under Article 21 of the Constitution.
Subjected to Psychological Trauma and Social Stigma
Continuous harassment, threats, and public humiliation lead to mental health issues, family breakdowns, and sometimes even suicides.
No Legal Recourse or Mechanism for Appeal
Borrowers have no effective forum or legal framework to challenge wrongful reporting, blacklisting, or reputational damage caused by banks and credit bureaus.
Excluded from Government Schemes & Financial Inclusion
Despite policies on financial inclusion, distressed borrowers are routinely excluded from benefits, subsidies, or relief schemes designed for the economically weaker.
Punished for Transparency, Honesty & Cooperation
Those who openly admit their financial troubles and try to work with lenders are often treated worse than those who run away or cheat the system
But we at Justice for Credit Borrowers, refuse to stay silent. We will not allow this injustice to continue any further. This is more than a fight—this is a movement. A movement for truth, fairness, and the right to be heard. This is your voice. Your battle. Your justice.
Borrowers in financial distress are being punished, not protected. The system makes no distinction between deliberate fraud and genuine failure. Every defaulter is condemned—without trial, without compassion, without due process. Honest citizens are being shamed, silenced, and stripped of dignity for falling on hard times.
Our Mission
Our mission is to challenge a system that punishes without fairness, restore dignity and ensure a second chance for all.
Justice
For borrowers wrongly branded as a defaulter
Dignity
For those humiliated by financial institutions
Protection
From digital surveillance and discrimination
Inclusion
Restoring access to finical ecosystem
The System is Broken. We are Fixing It.
The system is broken and brutally unjust. Borrowers deserve justice, not punishment. It punishes without justice, excludes without mercy, and crushes dignity. Public shaming. Digital exclusion, Banking discrimination- Enough is enough!. We’re here to change that.aThe system is broken and brutally unjust. Borrowers deserve justice, not punishment. It punishes without justice, excludes without mercy, and crushes dignity. Public shaming. Digital exclusion, Banking discrimination- Enough is enough!. We’re here to change that.a
A few missed EMIs & delayed payments should not mean a lifetime of punishment. We are trying to Reform a System that Dehumanizes Borrowers. We’re building a movement to change & stop it.
Justice for borrowers wrongly branded as "defaulters" and excluded
Dignity for those publicly humiliated by banks & credit bureaus
Protection from digital surveillance & financial apartheid
A second chance for every borrower ready to rebuild
Privacy & Protection from financial apartheid and harassment.
Financial Failure Should Not Mean Social Humiliation
The system has failed you. But you are not alone. We stand with the Millions of Indians who deserve fairness, privacy, and a chance to recover without being crushed by the system.
No more blacklisting
No more bullying
No more branding
It’s time for Justice!
Because financial distress should not lead to public shame or permanent exclusion. The system shows no empathy. It treats honest borrowers as criminals. It neglects their rights. And it blocks their future. Credit bureaus, banks, and fintech giants have created a system that dehumanizes defaulters — branding them unworthy, blocking them from the financial system, and subjecting them to relentless humiliation. We’re here to stop that.
Join the Movement. Demand Justice.
A few missed EMIs or delayed payments should not condemn someone to lifelong exclusion from the banking credit system. Yet, today’s financial institutions blacklists & turn responsible citizens into “Untouchables” treating them as criminals—even after recovering every penny of principal and interest till the last day & last minute.
How fair is this to be punished indefinitely for struggling through adverse circumstances & yet making all the payments & interests? Should the past financial hardship dictate a person’s present & future, limiting opportunities and dignity? This is more than a systemic failure—it’s an injustice.
Stop Turning Innocent Citizens into Criminals
A temporary financial hardship—whether caused by a medical emergency, business loss, economic downturn, loss of employment, or even an act of God—should not condemn responsible citizens to lifelong exclusion.
Yet, the current banking and financial ecosystem, led by credit bureaus, brand these individuals as criminals. Not only are they blacklisted, but they are relentlessly vilified, treated as “untouchables” and outcasts for eternity, with their financial struggles weaponized against them.
Is it such a heinous crime to have defaulted due to difficult circumstances? Does a late payment justify a lifetime sentence of financial discrimination?
The Exploitation Must End
To reduce NPAs and appease higher-ups, many bank managers trap & lure struggling borrowers into deceptive “Settlement” and “Closure” schemes—trapping them into a system designed to bury them forever.
These hapless borrowers, often forced into settlements under relentless pressure from recovery agents, make full payments—with minimal discounts—by exhausting every possible avenue, including borrowing from friends, liquidating assets, or making extreme financial sacrifices. They do so in good faith, hoping to rebuild their financial stability, only to be permanently blacklisted and excluded from the banking system.
But instead of relief, they are permanently marked as criminals in the banking ecosystem—a sentence of lifelong exclusion, economic suffocation, and financial disgrace – Literally an economic death sentence.
This is not justice. This is systemic exploitation.
Our Movement for Justice
We stand to protect the dignity, rights, and future of a Billion Citizens from exploitation, discrimination, and public shaming by Banks, Credit Bureaus, and Financial Institutions.
We demand a fair and ethical financial system—one that Uplifts instead of punishes.
We Demand Change
- Justice for borrowers punished without reason.
- Dignity—Respect for those who have been humiliated, ignored, and blacklisted.
- Reform—An end to the credit system that bullies and blocks responsible citizens.
- Fair Access—Restoring entry to the financial system without prejudice. Ensure fair access to credit, without further exploitation.
- Fair Access—Restoring entry to the financial system without prejudice. Ensure fair access to credit, without further exploitation.
- Privacy & Protection—Defending our right to privacy, financial security, and reputation. Protect the dignity, privacy, and rights of borrowers.
- No More Public Shaming—Stopping banks from humiliating borrowers due to financial hardships.
- End Digital Discrimination—No more arbitrary blacklisting that prevents people from rebuilding their futures.
Legal Battle – Our Fight for Change
7 Years | 13 Respondents | 1 Legal Battle
This is Not Just another Fight—It’s a Constitutional Battle for 1.2 Billion Citizens
One Man Versus 13 Powerful Respondents (India’s Mighty Financial Ecosystem)
After Seven years of research, we’ve filed a Public Interest Litigation(PIL) against four credit, bureaus, fintech giants, the Ministry, RBI and unregulated agencies to end financial discrimination and protect borrowers’ rights.
After half a decade of deep research, legal preparation, and struggle.
Our founder Mr. Surya Prakash has filed a Public Interest Litigation (PIL) in the Supreme Court of India against the following Mighty Institutions and the case is Ongoing
- Ministry of Finance
- Ministry of Home Affairs
- The Reserve Bank of India
- TransUnion CIBIL
- Experian
- Equifax
- CRIF High Marks
- Fintech Giants
- Many Unregulated Private Agencies
Borrowers Speak Out
Real Stories of suffering and injustice faced by borrowers across India
I was forced to sell my house at a throwaway price to escape harassment
My child stopped going to school after our how was plastered with default posters
I was denied a job due to a bad credit score caused by a medical emergency
Real people. Real suffering. Real injustice.
These are not isolated stories. This Story could be your own or those of your neighbors, friends, and relatives. They didn’t default because they were dishonest. They defaulted because the system failed them. These are not isolated cases. This is systemic cruelty.
Know Your Rights
Just because you are a Borrower, it does not Mean that you should lose Your Dignity. Even if you’ve defaulted — You are not a criminal. You are not alone. You have the Rights.
Financial distress is not a crime. Default is not dishonor. Every borrower — successful or struggling — is still a citizen, protected by the Constitution of India and is entitled to dignity, respect, and due process under the law.
This Information is your legal armor. Know your rights. Exercise them.
Right to Fair Treatment
Right to Fair Treatment
Right to Data Protection
Right to Dispute and Correct Credit Reports.
Right Against Harassment by Recovery Agents
Right to Fair Treatment
Right to Be Heard and Complain
Right to Seek Legal Protection
Rights of Women Borrowers
Right to Financial Inclusion
Right to Seek Clarification Before Loan Agreement
Right to Protection from Misuse of Digital Lending Apps
Right Against Misuse of SARFAESI Act
Digital Discrimination
Right to Dignified Default & Rehabilitation
Right to Receive Information
Educational Videos
Learn how to safeguard your rights
Free Resources
Guide to navigating the credit system
Exclusive BooKs
Based on original research
Join the National Movement – Be the Change
This isn’t Just a Website. It’s a Revolution.”
“This isn’t Just another Website. It’s a Revolution.” This is more than a website. It’s a mission to restore dignity to every credit borrower in India. Because Dignity is Non-Negotiable. It’s time we bring back fairness to Banking & financial ecosystem. Together, we can end this Financial Apartheid.
One Man. One Big Fight. 1.2 Billion Citizens Impacted.
I, N. Surya Prakash, a common citizen — a Business Credit Expert, Author, and Social Entrepreneur — have filed a Public Interest Litigation (PIL) in the High Court to expose and challenge the gross violations of fundamental rights by banks, credit bureaus, fintech lenders, and regulators.
This is not just my fight — it is your fight too.
I am fighting in my personal capacity — with no political affiliation, no legal background, and no financial backing — but with truth, evidence, and 7 years of intense research behind me.
What is this PIL About
This landmark PIL seeks justice against:
- Violation of Right to Privacy & Dignity
- Abuse of Credit Scores and Financial Profiling
- Digital Discrimination & Financial Exclusion
- Public Shaming & Harassment of Borrowers
- Misuse of SARFAESI Act & Illegal Recovery Tactics
- Unlawful Data Sharing by Credit Bureaus & Banks
- Tech Surveillance & AI-based Loan Rejection
I have filed this PIL on behalf of millions of affected entrepreneurs, borrowers, students and self-employed citizens — who have been denied a second chance and forced into financial and social isolation.
Why This Movement Matters
- 80% of MSMEs are rejected for loans due to biased credit scores
- Thousands face humiliation & coercion due to recovery practices
- Borrowers are vilified, blacklisted, and excluded from the system
- Tech-based profiling is silently destroying livelihoods and dignity
- No rehabilitation, no appeal, no humanity in digital lending
This movement is about restoring respect, justice, and fairness for all.
How You Can Be the Change
Sign the People’s Petition
Add your voice to support the PIL. We will send it to the Hon’ble Courts and Parliament.
Share Your Story
Were you wrongly rejected, harassed, or defamed by a bank or lender? Share your experience and be heard.
Spread the Word
Use your social media to share this website, join awareness campaigns, and educate others.
Volunteer with Us
Lend your skills in legal research, content writing, digital marketing, or ground-level outreach.
Donate, Support Us or Sponsor Campaigns
Help us sustain this fight. Legal battles are expensive, and every contribution helps amplify our reach.
Be the Voice. Be the Change. Join Now.
Together, we can hold the powerful accountable. Together, we can rewrite the rules of fairness. This is not just a petition — it’s a people’s revolution for justice, dignity, and economic equality.
Sign & Support the Petition - Demand systemic reform
Share the Message and Cause - Break the Slience
Volunteer with Us - Fight alongside us
Stay Updated - Get the latest on our legal battle.
Together, We Can Change the System.
Justice for Credit Borrowers – Because Dignity is Non-Negotiable.
Join Us! Let’s end the cruelty, the exclusion, and the silence. Together, we can challenge a system that neglects, rejects, and punishes without fairness—and build a future where borrowing is human, and justice is non-negotiable.
Because one financial setback shouldn’t destroy a lifetime of credibility. Because few missed EMIs & delayed payments shouldn’t cost you your dignity, rights, and future. Because financial distress shouldn’t lead to public shame or permanent exclusion.
We fight for those, the system has neglected, humiliated, and erased. We fight for justice, dignity, and a second chance. For a future where borrowing is fair, failure is not a crime, and justice is for all.
Join Us. Fight Back. Demand Change.
About Us
Justice for Credit Borrowers is a powerful citizens’ initiative launched by the Surya Shakthi Foundation, a NGO registered as a Non-Profit organization under the Section 8 of the Companies Act 2013 and committed to social justice, financial inclusion, and human dignity.
Quick Links
Address
No 248, “Brindavan Elite” Apt 202
III Main Road, Panduranganagar
JP Nagar 7th Phase
Bengaluru – 560076
Karnataka State, INDIA