Wondering if recovery agents can visit your home or workplace? Under RBI rules, they may call or visit residences only between 7 AM–7 PM with valid ID—office visits or odd-hour approaches are prohibited Agents must act respectfully, avoid intimidation, and keep your information confidential settleloan.in ​ mint . If you face harassment, document every incident and escalate to your lender’s grievance cell or the Banking Ombudsman.