Mobile loan apps in India: 'They try to mentally break you'
Indian agencies are investigating dozens of instant lending apps after accusations that they violate rules and use aggressive methods to recover loans. India's central bank, the RBI, has also cautioned citizens to beware of unauthorised loan apps.
If you are affected by any of the issues in this story, you can get advice and support from BBC Action Line in the UK, or if you are outside the UK, from Befrienders.
Video by Arunoday Mukharji, Pritam Roy and Jaltson Akkanath Chummar