Last Updated: September 2026
This platform, accessible via www.ahktips.com and its associated social media channels, is operated by AHK Tips Financial Consultants (hereinafter referred to as the "Consultancy"), an independent entity registered under the Goods and Services Tax (GST) Act (GSTIN: 07ACEFA6535C1ZQ) and holding professional Debt Recovery Agent (DRA) certification (Registration No: 802875218) accredited by the Indian Institute of Banking & Finance (IIBF). Our registered office is located in Wz-2B, G/F, Nangli Jalib, Janakpuri, New Delhi, Delhi, 110058
By accessing, browsing, or utilizing the educational materials, consultation sessions, or support services offered on this platform, you (the "User" or "Borrower") expressly acknowledge, understand, and agree to the following statutory declarations, legal terms, and operational limitations:
The Consultancy operates strictly as an independent consumer advisory, debt-relief counseling, and financial guidance firm. The Consultancy is not a bank, non-banking financial company (NBFC), recovery agency, or institutional intermediary.
The Consultancy holds no corporate agency, authorization, sponsorship, partnership, or contractual affiliation with any Scheduled Commercial Bank (including IDFC FIRST Bank Limited, HDFC Bank, SBI, ICICI Bank, or any other financial institution).
The Consultancy does not possess, nor does it purport to represent, any formal or informal authority to approve waivers, sanction settlements, or execute compromise arrangements on behalf of any lending institution.
All trademarks, brand names, corporate logos, service marks, and trade dresses (collectively referred to as "Third-Party Marks") displayed or referenced on this platform—including but not limited to registered device marks, word marks, or stylized representations of commercial banks—remain the exclusive proprietary assets of their respective legal owners.
The reference, discussion, or incidental reportage of any bank's name or processes is conducted strictly for educational, statutory reporting, critical commentary, and consumer awareness purposes. Such use constitutes Nominative Fair Use under Section 30 of the Trade Marks Act, 1999, and does not intend to create, cause, or imply any confusion, sponsorship, affiliation, or commercial endorsement by the respective mark owners.
All loan settlements, compromise concessions, and technical write-offs in India are strictly governed by the statutory frameworks and Master Directions issued by the Reserve Bank of India (RBI), including the RBI (Prudential Framework for Resolution of Stressed Assets) Directions, 2019 and the RBI Framework for Compromise Settlements and Technical Write-offs (2023).
In strict accordance with RBI guidelines, a compromise settlement or One-Time Settlement (OTS) is not an absolute statutory or fundamental right of any borrower. It is an extraordinary commercial remedy vested solely in the unilateral discretion and risk-assessment matrix of the respective lending institution.
The Consultancy does not promise, represent, or guarantee any fixed percentage of loan waiver, discount (e.g., 50%, 70%, or 80%), or guaranteed compromise approval. Our role is strictly limited to assisting distressed borrowers in structuring financial hardship applications, drafting administrative grievances under the RBI Fair Practices Code, and representing financial realities before legitimate dispute-resolution forums, such as the National Lok Adalat or Banking Ombudsman.
The Consultancy fully recognizes and respects the binding legality of Loan Agreements executed under the Indian Contract Act, 1872.
The Consultancy does not advocate, encourage, solicit, or incite:
The deliberate, intentional, or willful default of Equated Monthly Instalments (EMIs) or lawful dues.
The unlawful cancellation, revocation, or disruption of automated National Automated Clearing House (NACH) mandates or Electronic Clearing Service (ECS) debits.
The evasion, ignoring, or non-compliance of statutory notices issued under Section 138 of the Negotiable Instruments Act, 1881, the SARFAESI Act, 2002, or Order XXXVII of the Code of Civil Procedure, 1908.
Borrowers are explicitly advised to maintain open communication with lenders and promptly respond to all legal and statutory notices. The Consultancy’s guidance is specifically directed toward borrowers suffering genuine economic distress—such as critical medical emergencies, documented business insolvency, or banking fraud—to seek lawful, board-approved relief measures.
Any retaining, consultation, or service fee charged by the Consultancy is strictly professional remuneration for debt counseling, credit evaluation, budgeting assistance, and clerical assistance in drafting formal grievance representations.
No fee collected by the Consultancy constitutes a fee, bribe, commission, or processing charge to purchase, influence, or expedite settlement approvals from any bank officer or lender.
While discouraging default, the Consultancy promotes borrower awareness regarding the Reserve Bank of India (Commercial Banks – Responsible Business Conduct) Directions. Borrowers are informed of their statutory rights to be protected against verbal abuse, intimidation, non-permissible calling hours, or unauthorized third-party harassment by debt recovery agents, ensuring recovery processes adhere to prescribed regulatory decencies.
The information contained on this website is for general informational and educational purposes only and does not constitute formal advocate-client legal counsel. The Consultancy shall not be held liable for any financial losses, legal consequences, asset attachments, or CIBIL score degradations resulting from independent decisions taken by borrowers or from a lending institution's refusal to grant a settlement.
This Disclaimer, along with all associated services, shall be governed by and construed in accordance with the laws of the Republic of India. Any dispute arising out of or in connection with the operations of this platform shall be subject to the exclusive jurisdiction of the competent courts at New Delhi, India.
Founded in 2015, Ahk Tips is a New Delhi-based financial advisor specializing in debt relief and loan management solutions.
