An Initiative of “SuryaShakthi Foundation” an NGO
An NGO registered as a Non-Profit Organisation under Section 8 of the Companies Act, 2013
Fighting for Borrowers. Exposing Injustice. Reclaiming Dignity.
We are Not Just another Website. We are a Voice for the Voiceless.
Justice for Credit Borrowers is a powerful citizens’ initiative spearheaded by the SuryaShakthi Foundation, a non-profit NGO registered under Section 8 of the Companies Act, 2013, committed to social justice, financial inclusion, and restoring dignity to borrowers.
This movement was born out of a deep concern for the millions of honest borrowers who have been side-lined, vilified, and systemically excluded due to an unfair and opaque credit ecosystem. After witnessing first-hand how unforeseen financial hardships can lead to public shaming, data misuse, and denial of basic rights, our founder, Mr. N. Surya Prakash, decided it was time to act.
With 35+ years of experience as a social entrepreneur and business credit expert, Mr. Surya Prakash has launched this initiative following seven years of intense independent research. Moved by personal experiences and countless stories of borrowers’ pain, he has taken the fight forward by filing a Public Interest Litigation (PIL) in his individual capacity before the Hon’ble Supreme Court of India, challenging systemic abuse and advocating for financial justice.
Our Mission
To fight for justice and restore dignity to borrowers who have been neglected, defamed, and denied fair access due to systemic biases in the credit and financial ecosystem.
Our Vision
A just and inclusive financial system where borrowers are treated with empathy and fairness, and where a financial setback is not a life sentence of exclusion.
At the core of our mission is a simple truth
- Defaults or delays in payments are not a crime.
- Financial difficulty is not the same as failure or fraud.
- Borrowers are responsible citizens, not criminals.
Yet today, a combination of opaque policies and unregulated practices has created a reality where
- Borrowers are publicly humiliated
- Their private data is misused, traded, or exposed
- They are branded as "non-creditworthy" for life
- They are denied access to loans, jobs, housing, and essential services
This is not just unfair. It’s a violation of fundamental rights.
Who We Are
Justice for Credit Borrowers is a public-interest initiative led by the Surya Shakthi Foundation, a registered Section 8 NGO. The initiative is founded and driven by
Mr. N. Surya Prakash, who is a:
- Business Credit Expert
- Passionate Social Entrepreneur
- Founder of NBS Business Consulting
- Author, Speaker, and Advocate for Financial Justice
He is currently pursuing a Public Interest Litigation (PIL) in his personal capacity against:
- Ministry of Finance
- Ministry of Home Affairs
- Ministry of Electronics & Information Technology
- Reserve Bank of India
- All four credit bureaus (CIBIL, Equifax, Experian, CRIF High Mark)
- Several unregulated fintech companies
This legal action is a personal initiative based on deep research and constitutional concerns affecting millions of Indian citizens.
Our main aim is to expose the abuse, reform the system, and protect the dignity and rights of 1.2 billion citizens being the entire banking populace of this country. We are engaged in legal advocacy, public awareness, policy dialogue, and support programs for affected borrowers.
We are a movement of concerned citizens, legal activists, and financial reform advocates committed to ensuring justice for those neglected by a rigged system. Our team comprises:
- Legal Fighters: Experts dedicated to challenging abusive practices in court.
- Financial Advocates: Professionals who understand the real-world impact of credit exclusion.
- Community Leaders: Empowering borrowers with knowledge and a platform to be heard.
- Supporters & Volunteers: Everyday heroes standing up for rights and dignity.
Our collective mission is to restore fairness, bring systemic reform, and ensure every borrower’s right to dignity and access in the financial ecosystem.
What We Stand For
Right to Privacy
Your financial data is yours; not a tool for surveillance or commercial exploitation
End to Public Humiliation
Stop notices, posters, and societal harassment
Reform of Credit Bureau
Accuracy, fairness, transparency
Inclusion, Not Exclusion
Bring borrowers back into the financial system
Legal Justice
Challenge unconstitutional practices through courts
Respectful Recovery Practices
No more threats, bullying, or intimidation
Who We Represent
We speak for:
- Entrepreneurs who lost everything due to economic shocks
- Borrowers harassed or humiliated by recovery agents
- Youth denied jobs due to poor credit scores
- Genuine borrowers whose setbacks are labelled as life-long failures
Why We Exist
Across India, millions of borrowers face
- Unjust Public Shaming: Posters, drum-beating, media leaks, and social defamation
- Digital Blacklisting: Lifetime bans from financial services based on rigid credit scoring
- Systemic Isolation: Denied opportunities in banking, housing, employment—even without intent or fraud
We believe no borrower should be defined by a temporary setback. Justice for Credit Borrowers exists to replace punishment with protection, exclusion with inclusion, and silence with a platform.
What We Do
Legal Advocacy
We pursue legal reform and public interest litigation to ensure borrower rights
Public Awareness
We share real-life stories and expose systemic bias to shift public perception
Community Empowerment
We conduct educational sessions, publish research, and offer guidance to borrowers
Policy Reform
We work to influence policies, legal frameworks, and institutional practices
Our Promise to You
At Justice for Credit Borrowers, we are committed to
Advocating Boldly
We confront powerful institutions with evidence, reason, and resolve
Being Transparent
We keep the public informed and engaged
Empowering Individuals
We provide practical knowledge and tools to reclaim your financial dignity
Driving Change
Our work continues until every borrower is treated fairly
We will not stop until:
- The financial system becomes accountable and empathetic
- Borrowers are treated with dignity, not suspicion
- Data privacy and human rights are protected
You may have been abandoned by banks.
You may have been ignored by the system.
But here, your voice matters. Your fight begins.
Together, we will challenge this broken system and work toward a future where justice is not a privilege—but a right for every borrower who has been left behind.
Justice for Credit Borrowers is a public interest initiative of Surya Shakthi Foundation
“Justice for Credit Borrowers is an initiative of
Surya Shakthi Foundation”
to know more, visit www.suryashakthi.org.
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.
About Suryashakthi
To learn more about our legal standing, governance, and broader activities, please visit our official NGO website: www.suryashakthi.org
Quick Links
Address
No 248, “Brindavan Elite” Apt 202
III Main Road, Panduranganagar
JP Nagar 7th Phase
Bengaluru – 560076
Karnataka State, INDIA