A recent Pune video exposed aggressive loan recovery tactics, revealing deeper systemic issues within Indian banking. Banks, driven by retail loan diversification, employ hasty credit assessments and outsource recovery to private firms with skewed incentives, often leading to borrower harassment. Despite RBI prohibitions, strong-arm methods persist. Banks charge steep interest on unsecured loans to absorb losses. The author suggests regulating recovery agent fees, improving credit appraisal processes, and penalizing banks for agent misconduct as crucial steps to curb this widespread problem. This would require a significant culture shift.