Can BNPL dues be settled in India?

Yes. BNPL dues may be settled depending on the lender, overdue amount, repayment history, recovery stage, and borrower hardship. The borrower should request written settlement terms before making payment.

Will BNPL default affect CIBIL score?

Yes. Many BNPL lenders report repayment behaviour to credit bureaus. Delay, default, overdue status, or settlement may negatively affect the borrower’s credit profile.

Can BNPL recovery agents harass borrowers?

No. Recovery must remain lawful and civil. Abuse, threats, contact-list misuse, repeated harassment calls, employer calls, or family pressure can be challenged through written complaints and legal action.

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