The default in payments is viewed very seriously. Regular reminders about the due date of payment will be sent vide SMS to the registered mobile number of the borrower to ensure that payments are made on the due date.  If the auto-debit is dishonoured a notice for immediate payment will be sent. Even a personal visit to the residence is a part of the recovery steps. Despite several reminders and personal visits, if the repayment does not materialise, then legal action will be initiated for recovery.