If you received a notice

We never ask you for money

If you want to discuss dues or a settlement, speak to the lender directly. The platform can show you a settlement recorded in your case but never collects the money.

What the notice means

A notice from this platform tells you that your lender says you owe money under a loan agreement, and that it has started, or is starting, arbitration under the agreement. Arbitration is a private process that replaces a court case. An arbitrator can make a decision, called an award, that can be enforced like a court order.

It matters that you read it. Proceedings can begin when you receive a notice, and deadlines to reply can run from then. If you do nothing, the arbitrator may decide on the documents alone.

The notice may come on WhatsApp, email, SMS and by post. You may get the same notice on more than one channel. That is intended.

Who does what

• The lender makes the claim.
• The administrator runs the process: it sends notices, keeps records and hosts the case. It does not decide who is right.
• An independent arbitrator decides every legal question. A person at the administrator chooses the arbitrator by hand and records the reason. You may object to an appointment, and the arbitrator discloses any conflict.

You can take legal advice, and have a lawyer act for you.

Open your case with the case link and code

1. Open the link in your notice. Each link works once. If it says it was used or has expired, ask for a new one on the same page. A new link goes to your registered mobile number.
2. We send a 6-digit one-time code to your registered mobile number. It is valid for 5 minutes. Enter it with the last 4 characters of your loan number, which are printed on the notice.
3. You are signed in for 2 hours. After that, open the link again or ask for a new one.

Too many wrong attempts close the link for your safety. Choose "I need help signing in" and the case team will call you back. You can pick morning, afternoon or evening. Never tell anyone your code: staff will not ask for it.

The portal is in English, Hindi and Marathi.

How to object or respond

Once you are in, you can:

• read the notices and documents in your case (each opening is recorded);
• file your reply, an objection, or a request for time, a hearing or something else, and upload supporting documents;
• say a loan is not yours, or that a detail about you is wrong;
• see any settlement or withdrawal recorded in your case;
• join a video hearing from your phone or computer when one is fixed, and ask for a call-back at any time.

Filings ask for a fresh one-time code before they are sent, and you receive a receipt. If you cannot use the portal, ask the case team for assisted entry. Your reply deadline is shown on your case page.

Check a notice is genuine

• The notice shows a case number and your loan number. Fraudsters rarely know the right details. A message that does not show them is a warning sign.
• A real link opens on this website, abirnyayasetu.com, over a secure connection. Type the address yourself if in doubt, or pick the case link from your email.
• The real flow sends a code to your registered mobile and asks for the last four characters of your loan number. It never asks for card or bank details, a PIN or a password.
• The notice reaches you on several channels, and you can call the lender on its published helpline to confirm it. The helpline is shown on your case page.
• Still unsure? Email grievance@abirnyayasetu.com with a screenshot. We will check it against our records.

Your data and your choices

Your case data is stored in India.

To stop WhatsApp or SMS messages, reply STOP or follow the steps on the grievance page, where you can also ask for access to your data or make a complaint. Read the Privacy Policy for details.

Hindi and Marathi. The case portal is available in Hindi and Marathi. Hindi and Marathi versions of this page are coming soon.