And they’re not allowed to skip notice, break locks, or play ‘goonda’ to recover loans. A truck driver in Ayodhya lost his only source of income when his lender forcibly took his vehicle without warning. The SC didn’t just side with him; it ordered ₹10 lakh compensation and told the RBI: enforce the rules. The court made it clear; self-help repossession is allowed, but only if it’s fair, lawful, and with notice. No more silent night raids on working families. If you’ve taken a vehicle loan, this is your right. And now, the RBI has been ordered to make sure banks and NBFCs actually follow it. Because financial inclusion shouldn’t mean financial fear.