A personal or business loan that the borrower has not repaid. Answer a few questions and NyayaAI works out the last date to act, where to go, what to do in what order and what to collect.
| What | Period | Runs from | Authority |
|---|---|---|---|
| Suit for money lent | 3 years | The date the loan is made. | Limitation Act, 1963 — Article 19 |
When did you give the loan?
Amount lent (₹)
Is there anything in writing — an agreement, a promissory note, messages, or a bank transfer record?
Has the borrower since paid part of it, or admitted the debt in writing? A written acknowledgment or part payment can restart the limitation period.
The last date to act and how many days remain, worked out from the date you enter; the court, commission or authority that hears it; the steps in order; and a checklist of the documents to collect. Signed-in users can also draft the next document: draft a loan recall notice; draft a money recovery suit.
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