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How to recover loaned amount from relative


11-Jan-2026 (In Recovery Law)
I loaned 5lakh on July 2022 and again on 18th November 2025 3.5 lakh through banking channel with the written assurance on WhatsApp that the money will be transferred through 30k installment. Received only one installment and now quarrelled me. How to recover the amount.
Answers (5)

Answer #1
848 votes
Hi there, you can recover the amount by filing a suit for recovery of money in the court. If you have all the evidence available then it won't be an issue to recover the money. However, we have to look for limitations for which you need to provide additional details as to time of loan disbursal and acceptance of debt. Thus it's advisable to contact me and provide requisite details to assist you better.
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Advocate Ishan Parashar

Adv. Ishan Parashar

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Answer #2
662 votes
Preserve Evidence Download and safely keep: • Bank statements of both transfers. • WhatsApp chats where repayment in ₹30,000 instalments was promised. • Screenshot showing receipt of only one instalment. These electronic records are valid under Section 65B of the Evidence Act. 2. Send Legal Demand Notice Issue a legal notice demanding the entire outstanding amount within 15 days. Mention dates of both loans, mode of payment, written WhatsApp commitment and default. This creates a formal cause of action.
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Advocate Madhvi Chopra

Adv. Madhvi Chopra

LawRatoDelhi | 50+ Answers
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Answer #3
692 votes
First we need the amount via lega demand legal notice, followed by suit for recovery in the concerned court ! We need to do certain homework to make the case strong ! Kindly n in touch to understand the legalities for the same Thanks
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Advocate D. Khan

Adv. D. Khan

LawRatoDelhi | 1000+ Answers
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Answer #4
559 votes
you have to send a legal Notice to him . if he will not return the amount after legal Notice you can file the recovery suits. keep safe the written assurance if any communication with regarding the money. you can file . the process is very simple
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Advocate Mukesh Kumar Sah

Adv. Mukesh Kumar Sah

LawRatoDelhi | 200+ Answers
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Answer #5
564 votes
Since the loan was transferred through bank channels and there is a written repayment assurance on WhatsApp, you have strong documentary evidence. First, issue a legal notice demanding repayment within a fixed time. If unpaid, you may file a summary suit for recovery under Order XXXVII CPC. You can also lodge a criminal complaint for cheating (Section 318 of BNS) if dishonest intention is apparent. WhatsApp chats and bank statements are admissible evidence. If any cheque was issued and dishonoured, proceedings under Section 138 NI Act can also be initiated.
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Advocate Pankaj Bajaj

Adv. Pankaj Bajaj

LawRatoDelhi | 50+ Answers
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