The Biggest Myth About Tap Water, According to a Water Quality Scientist


Safe, quality drinking water isn’t a given, even in countries with historically reliable systems. Incidents of contaminants leaching into water systems from faulty pipes, bacterial contamination and corporations dumping chemicals into water supplies dot our country’s history, and should have everyone thinking seriously about water quality. The source of contamination could be coming from inside the house, too, especially in older homes with lead pipes or asbestos.

Before we dive into common drinking water contaminants, I want to clarify that this list doesn’t necessarily indicate unsafe levels of any given contaminant in your area’s drinking water. The easiest way to determine what’s in your water is to review the annual water quality report from your local water utility. Don’t forget to consult the EPA’s handy guide to reading them (PDF).

A sample water quality data table.

It’s essential to review your local water quality report so you can determine if you want to take additional filtration steps at home to further enhance your drinking water.

EPA

One thing you’ll notice in these reports is that regulations set an ideal goal, the maximum contaminant level goal, but recognize that water treatment technology can’t always deliver, so they provide a realistic standard, the maximum contaminant level.

The biggest myth about tap water, according to an expert

person filling glass with tap water

Experts I spoke with identified toxins that could be leaching into your tap water.

Elena Zaretskaya/Getty Images

According to water scientist Dr. Eric Roy, the biggest misnomer about tap water is that just because it looks, smells, and tastes clean, it is clean. Some of the most harmless impurities, namely byproducts of treatment-center disinfectants, are the ones that affect taste and odor the most, while others, including lead, which can greatly affect your health, can’t be detected by human senses at all.

The moral of the story? Clean drinking water isn’t a given, and relying on your senses and a bit of wishful thinking isn’t really a safeguard against potential problems. Learning what’s in your water and then treating it appropriately is the most sensible course of action.

tapscore water test score

Tap Score’s lab-testing and evaluation shows you where the issues are in your tap water.

Screenshot by CNET

To arm yourself with useful information, you can have your water tested by a reliable independent water lab, such as Tap Score, for about $300 and get a detailed breakdown of what’s in your water and how it could affect your health. 

Similarly, you can buy home test kits from Safe Home and Easytest for about $30 or less. Both at-home kits test for lead, bacteria, and excess chlorine. (Most people lack the resources for professional water testing services.) If you use well water, it’s a good idea to test it at least once a year. 

5 common drinking water contaminants

Air water ice typhoon iii reverse osmosis water filter system in a laundry room

Pulling back the curtain on what’s in your drinking water might encourage you to invest in a water filter. (Even if it’s mostly for houseplants, like my Typhoon III reverse osmosis system.)

John Carlsen/CNET

I asked Kyle Postmus, senior manager of the Global Water Division at NSF (formerly the National Sanitation Foundation), about pollutants that could bypass the water treatment process. “While municipal water treatment systems are highly effective at removing many contaminants, certain pollutants can still make it through the treatment process.” Postmus also points out that location, infrastructure age and source water quality all affect the presence of a pollutant.

He notes that the testing and certification work of organizations like NSF helps ensure the efficacy of the water treatment process. “NSF certifies water treatment products against rigorous standards to ensure they perform as claimed, providing consumers with independent assurance of effectiveness.” 

1. Lead

old lead pipes

Old lead pipes are the most common culprit for the toxic metal leaching into drinking water.

Gina Pricope/Getty Images

Lead typically sneaks in after the treatment process because some cities still use outdated lead pipes, which can increase contamination. For example, the Utah Lead Inventory notes that some cities where I live have documented lead pipes in their water systems. The ideal solution for removing lead is to replace outdated water pipes but the EPA also suggests a few ways to reduce lead contamination:

  • Purchase a water filter certified for lead removal, such as our top pick, the Zero Water filter.
  • Regularly clean your faucet’s aerator to remove sediment.
  • Drink only cold water — hot tap water can hold more lead than cold water.
  • Flush your pipes before drinking water if it has been stagnant for an extended period. The easiest way to do this is to take a shower, wash the dishes or do the laundry.

2. Microorganisms

Asheville, North Carolina, flooded after Hurricane Helene hit

Storms and flooding can cause dangerous microorganisms to enter drinking water supplies.

Melissa Sue Gerrits/Getty Images

Postmus says that some resistant microorganisms may survive standard treatment. However, a more common source of bacterial contamination is an accidental sewage overflow, sometimes after a heavy storm. In most cases, you can remove this kind of contamination by boiling, filtering or disinfecting your water.

For Legionella, one of the most important steps is to set your water heater to at least 140°F to prevent the bacteria from growing. This also reduces the likelihood of bacterial growth where hot and cold water mix, such as at faucets. (Notably, the CDC says that no single method can control Legionella, so you’ll likely need additional disinfectant and flushing steps if it becomes an issue in your home.)

3. Emerging contaminants

waterdrop filter system

Many emerging contaminants originate from the products you use at home and they aren’t yet regulated by water treatment standards.

Waterdrop

Emerging Contaminants are a class of contamination that Postmus says includes pharmaceuticals, personal care products and certain industrial chemicals. Per- and polyfluoroalkyl substances (PFAS) are notable recent examples of emerging contaminants.

These pollutants may not yet be subject to regulation, but the Safe Drinking Water Act requires the EPA to evaluate contaminant candidates every few years. Look for NSF’s water filter certification program for emerging contaminants — NSF/ANSI 401 — if you want to remove them from your drinking water. Water filter brands like Waterdrop and Aquasana are a good starting point. 

4. Volatile organic compounds

rorra countertop water filter

You can find VOCs in a ton of products like gasoline, adhesives, solvents and cleaning chemicals.

Rorra

Volatile organic compounds (VOCs) are a type of chemical that easily dissolves in water — hence the word volatile — and are usually the source of the smells (and flavors) we associate with chemicals. The primary source of VOCs, such as trihalomethanes, is the water treatment process itself, as many are minor byproducts of disinfection. Fortunately, a properly functioning water treatment facility uses rigorous testing to ensure that VOCs stay out of your tap. Chemical spills are also common sources of VOCs in drinking water, as they can contaminate groundwater. 

Activated carbon filters, such as the AquaTru Carafe reverse osmosis filter or Rorra countertop filter system, are excellent tools for removing VOCs from water.

5. Chlorine and chloramine

A dog drinks from a large steel PawPik's water bowl.

Water that is properly treated is safe for humans but those with pets may want to consider a filter that removes trace amounts of chlorine or chloramines.

David Watsky/CNET

These disinfectants (which don’t really fall under the VOC umbrella) aren’t typically harmful to people in properly treated water, but they’re not good for aquatic pets such as fish, turtles, and frogs. If you have these types of pets, it’s a good idea to treat the water to remove chloramines.

Reverse osmosis filtration is a mainstay for aquarium enthusiasts but you can also find chloramine removal products at the pet store. For chlorine, simply let it sit out for a few days and it will eventually dissipate from the water.

Water purification at home

The ZeroWater 12-Cup Filter Pitcher being used to pour water into a glass on a white countertop.

It’s easy to improve water quality at home with the right kind of water filter.

ZeroWater

Postmus recommends that consumers look for an NSF-certified water filter to address specific contaminants. “NSF-certified water filters are rigorously third-party tested to ensure they work according to the manufacturer’s claims and are safe to use and won’t leak. For ease, consumers can check NSF’s Product Listing Page that lists all NSF-certified water filters.”

One reason to check the certification page is to verify the manufacturer’s claims and ensure the filter will work as intended. “This is a crucial step when it comes to something as important to your health as your water.” 

Most of CNET’s top-tested countertop water filterswater filter pitchers and filtered water bottles are NSF/ANSI-certified; however, you can also find fridge filters and whole-home filtration systems that meet the same standards.





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Recent Reviews


India’s financial sector is at a turning point. Gross NPAs of Scheduled Commercial Banks have fallen to a historic low of 2.15% as of September 2025, a figure not seen since 2010–11. Yet in absolute terms, gross NPAs still stand at approximately ₹4.32 lakh crore. The scale of the problem hasn’t disappeared; it’s shifted, from large corporate defaults to a more distributed mass of retail and MSME accounts scattered across geographies, legal jurisdictions, and ticket sizes.

For banks, NBFCs, and fintechs trying to recover these dues, understanding India’s debt recovery laws is not optional, it is foundational. This guide breaks down every major legal channel available, how they perform in practice, and what 2025’s regulatory shifts mean for lenders and recovery professionals.

At a Glance: India’s debt collection software market reached approximately $172.8 million in 2024 and is projected to reach $456 million by 2033 (CAGR of 10.48%, IMARC Group). Over 320 new debt recovery platforms launched between 2022 and 2024. The race is on, but legal infrastructure remains the backbone.

What Is Debt Recovery?

Debt recovery is the structured process by which lenders reclaim unpaid loan amounts from borrowers who have defaulted. Credit creation, through loans extended to individuals, MSMEs, and corporations, is essential to economic growth. But when borrowers default, lenders must navigate a complex web of legal mechanisms to recover what is owed. In India, this ecosystem spans eight distinct legal frameworks, multiple tribunals, and an increasingly digitised regulatory environment.

A loan account is classified as a Non-Performing Asset (NPA) when both principal and interest payments remain overdue for 90 days. Once classified as an NPA, lenders have access to several legal channels to recover dues, each with its own jurisdiction, timelines, and effectiveness.

Two Paths: Legal vs. Illegal Methods

The law draws a clear line between legitimate recovery and harassment. RBI guidelines require that all recovery communications occur strictly between 8 AM and 7 PM, agents carry valid identification, and no abusive or intimidatory tactics are used. The RBI’s February 2026 draft directions for both commercial banks and AIFIs (All India Financial Institutions) now mandate board-approved recovery policies, IIBF certification for agents, recording of recovery calls, and public disclosure of empanelled recovery agents, all effective July 1, 2026.

Illegal methods, public shaming, threats, late-night calls, or unauthorised property seizure, are not only unethical but expose lenders to regulatory action and grievances filed with the RBI Ombudsman. Nearly 39% of borrowers surveyed have reported abusive recovery calls; RBI data confirms that loan and credit-card complaints now form the largest single category of grievances received.

1. Indian Contract Act, 1872

Every loan relationship originates from a contract. If a borrower defaults, the lender can seek legal relief under several provisions of the Indian Contract Act, through a Contract of Guarantee (Section 126), Contract of Indemnity (Section 124), or by establishing Fraud (Section 17) or Misrepresentation (Section 18). This is typically a foundational step before more specific recovery mechanisms are invoked.

2. Civil Remedy (CPC Order IV)

A civil suit under Order IV of the Civil Procedure Code allows lenders to approach a court for money recovery. The suit must be filed within 3 years from the date of the cause of action and in the court that has jurisdiction over the borrower’s residence or place of business. Court fees are levied based on the claim amount. Civil suits are best suited for cases where other faster mechanisms are not available — but they are time-consuming and should be approached with a structured documentation trail.

3. Criminal Case Under IPC (Now BNS, 2023)

Where the default involves elements of cheating, criminal breach of trust, or dishonest misappropriation, lenders can file a criminal case. Key provisions include Cheating (Sections 415/417 IPC, now mirrored in the Bharatiya Nyaya Sanhita, 2023), Criminal Breach of Trust (Sections 405/406), and Dishonest Misappropriation of Property (Section 403). Some of these offences are non-bailable and cognizable, meaning the defaulter faces serious legal consequences.

4. Insolvency and Bankruptcy Code (IBC), 2016

The IBC remains India’s most powerful corporate debt recovery instrument. Where the defaulted amount exceeds ₹1 crore (revised from ₹1 lakh in 2020), creditors can approach the NCLT for initiating the Corporate Insolvency Resolution Process (CIRP). A Committee of Creditors (CoC) is formed, an Insolvency Professional appointed, and the resolution must be approved by 66% of CoC votes within 330 days.

IBC Impact by the Numbers (as of March 2025):
— Over 30,000 applications involving defaults of ₹13.78 lakh crore were settled at the pre-admission stage alone, demonstrating IBC’s deterrence effect.
— Average recovery rates improved from 15–20% pre-IBC to approximately 30% post-IBC (S&P Global Ratings, December 2025).
— S&P upgraded India’s insolvency regime from ‘Group C’ to ‘Group B’ in December 2025.
— However, actual average CIRP duration stands at 713 days, more than double the statutory 330-day limit. NCLT pendency is nearly 30,600 cases (March 2025), with an estimated 10-year clearance time at current rates.

IBC’s biggest strength is its behavioural impact, it has fundamentally shifted the culture from “debtor in possession” to “creditor in control.” The proportion of overdue corporate loan amounts relative to total outstanding fell from 18% in 2018 to 9% in 2024 (IIM Bangalore study).

5. Negotiable Instruments Act, Section 138 (Cheque Bounce)

One of the most frequently invoked debt recovery provisions in India, Section 138 of the NI Act applies when a post-dated or security cheque issued by a borrower is returned unpaid. Upon dishonour, the payee must send a demand notice within 30 days; if the borrower fails to make payment within 15 days, criminal proceedings can be initiated. The defaulter may face imprisonment of up to 2 years, a fine twice the cheque amount, or both. Cheque bounce cases number in the millions annually across Indian courts, making efficient case management critical for lenders handling high volumes.

6. RDDBFI Act, 1993, Debt Recovery Tribunals (DRTs)

The Recovery of Debts Due to Banks and Financial Institutions Act established a network of 39 Debt Recovery Tribunals (DRTs) and 5 Debt Recovery Appellate Tribunals (DRATs) across India. Banks and NBFCs can file applications under Section 19 for recovery of dues. Borrowers who wish to appeal a DRT order must deposit 50% of the debt amount (reducible to 25% by the appellate tribunal). While DRTs were designed for speed, chronic understaffing and high pendency have limited their effectiveness. DRTs accounted for just 4.2–4.9% of total NPA recovery in recent years, among the lowest of all channels.

Note on DRT Reform: The government has signalled intent to expand DRT jurisdiction and address vacancies. The BAANKNET e-auction portal, launched March 25, 2025, is already improving asset disposal efficiency for PSBs and IBBI-referred cases.

7. SARFAESI Act, 2002

The Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act allows secured creditors, banks, NBFCs, and ARCs, to take possession of and sell secured assets without court intervention. Once a loan is classified as NPA under Section 13, a notice is sent to the defaulter giving 60 days to repay. If repayment doesn’t happen, the lender can sell the asset or assign it to an Asset Reconstruction Company (ARC) at a discounted rate.

SARFAESI is particularly favoured by banks due to lender control over the asset sale process. It accounted for 17.4–26.7% of total NPA recovery in recent reported years. Recent amendments have strengthened the framework further, including empowering RBI to audit ARCs and mandating CERSAI registration of security interests.

8. Summary Suit

A Summary Suit (Order XXXVII, CPC) is a fast-track civil proceeding suited for liquid debts not exceeding ₹10 lakh. The defaulter has just 10 days from the date of service to appear before the court. If they fail to do so, the court may pass an ex-parte decree immediately. While the ticket-size cap limits its use for large institutional lending, it is a practical tool for smaller NBFC or retail exposures.

How Each Channel Actually Performs: Recovery Rate Comparison

Recovery Channel Share of Recovery (Recent Years) Average Timeline Best Suited For
IBC / NCLT ~44–46% (highest among all channels) 713 days average (statutory: 330 days) Large corporate defaults >₹1 crore
SARFAESI Act 17–27% Months (no court required) Secured assets, banks & larger NBFCs
DRTs 4.2–4.9% 1–3+ years (due to pendency) Mid-size bank/FI claims
Lok Adalats ~6% (low recovery per case) Weeks to months Small-ticket pre-NPA settlements
Section 138 / NI Act Varies (high volume, lower value) 1–3 years in metro courts Cheque-secured loans
Civil Suits Varies 3–7 years Unsecured creditors, contractual disputes

Sources: RBI Annual Reports, IBBI data, Lexology analysis, IBC Laws research platform, FACTLY data analysis (March 2025).

RBI’s 2025–26 Guidelines: What’s Changing for Lenders

The regulatory landscape for debt recovery shifted significantly in 2025. Three key developments stand out:

1. RBI Digital Lending Directions, 2025 (effective May 8, 2025) — This consolidated framework governs all digital lending activity including recovery. Lenders must notify borrowers via email/SMS before any recovery agent makes contact, ensure all disbursals go directly to borrower bank accounts, and maintain transparent grievance channels. Lending Service Providers (LSPs) acting as recovery agents are now held to the same standards as the Regulated Entity (RE) itself.

2. Draft Responsible Business Conduct (Amendment) Directions, February 2026 — Released simultaneously for commercial banks and AIFIs, these draft directions (effective July 1, 2026) represent the most comprehensive overhaul of recovery conduct standards in years. Key mandates include: board-approved recovery policy, IIBF certification for all recovery agents, mandatory recording of recovery calls, public disclosure of empanelled agents, written notice of default before any recovery action, and strict prohibition on harsh practices including public shaming, abusive language, and family/colleague harassment.

3. BAANKNET Portal, March 2025 — The government’s revamped e-auction platform integrates all 12 Public Sector Banks and IBBI with automated KYC, secure payments, and bank-verified property titles, significantly improving transparency in SARFAESI-based asset sales.

Compliance Implication for Lenders: Legal recovery today is increasingly about process documentation, not just legal filing. A timestamped, digitally-traceable record of every notice, communication, and action is no longer just operationally helpful — it is a regulatory requirement. A WhatsApp chat archive will not hold up under RBI or DRT scrutiny.

Best Practices for Lenders Navigating the Legal System

Build a Structured Internal Process Before Filing

Debt recovery requires coordination across internal legal, finance, and collections teams — and often, an external advocate or law firm. Designate clear accountability: who signs the notice, who coordinates with external counsel, who monitors hearing dates. Manual calendar-based tracking of court dates leads to adjournments, value erosion, and missed opportunities. Automated case management — with alerts triggered by hearing schedules, advocate assignments, and SLA breaches — is the baseline for any serious recovery operation today.

Document Everything, Digitally

Every communication with the borrower — from the first demand notice to field visit reports — must be documented with timestamps. This is not just good practice; it directly affects your legal standing. In SARFAESI and DRT proceedings, the quality and completeness of the paper trail often determines outcomes. Automated notice dispatch that generates a delivery-confirmed, timestamped audit log gives lenders a defensible record.

Choose the Right Jurisdiction Before Filing

Filing in the wrong court or tribunal is a costly, time-consuming error. Match the legal channel to the debt type and ticket size: IBC/NCLT for large corporates (>₹1 crore), SARFAESI for secured assets, DRT for bank/FI claims, Section 138 for cheque bounce, civil suits or Lok Adalats for smaller unsecured accounts. For retail and MSME NPA accounts with smaller ticket sizes, pre-litigation ODR (Online Dispute Resolution) platforms are emerging as a cost-effective alternative to formal proceedings.

Engage Qualified Counsel, and Track Their Performance

Advocate selection in recovery litigation is frequently based on familiarity rather than performance data. This leads to systemic underperformance. High-performing lenders are increasingly using data to track advocate win rates, adjournment frequency, and case resolution timelines by jurisdiction, and adjusting their panels accordingly.

Maintain Ethical Standards to Protect Your Recovery

Courts and tribunals look at the conduct of both parties. A lender that can demonstrate ethical, documented, and RBI-compliant recovery behaviour before filing is better positioned to receive favourable outcomes. Violations of RBI conduct guidelines, even if not the direct subject of the case, can undermine a lender’s standing.

The Role of Technology in Modern Debt Recovery

The 2024–25 period has seen a structural shift in how lenders approach recovery infrastructure. AI is now deployed across predictive default scoring, omnichannel borrower communication, automated legal notice dispatch, and court case management. Mid-sized banks have reported a 34–36% reduction in collection costs after AI adoption, with recovery rate improvements of 10–25%.

The most significant strategic shift is toward ecosystem thinking rather than monolithic platform adoption. Different parts of the recovery journey require different tools: pre-litigation communication platforms for early-stage accounts, ODR/mediation for small-ticket disputes, and dedicated legal operations infrastructure for NPA accounts heading to DRT, SARFAESI, or NCLT. The bridge between collections-stage activity and legal-stage activity, where cases are handed off, documents compiled, and notices issued, remains the most operationally fragile point in most lenders’ recovery chains.

Key Technology Stats for Recovery Professionals:
— AI adoption in mid-size banks: 34–36% cost reduction in collections
— Recovery rate improvement post-AI: 10–25%
— India’s debt collection software market CAGR: 10.48% (2024–2033)
— PSB gross NPA ratio: 2.50% (September 2025)
— Private sector bank NPA ratio: 1.73% (September 2025)

The Bottom Line

India’s debt recovery legal framework is comprehensive, and under active improvement. The IBC has reshaped creditor rights. SARFAESI gives secured lenders direct enforcement power. The 2025–26 RBI guidelines are tightening conduct standards while pushing for digital accountability. And the absolute scale of NPAs, despite improving ratios, means the demand for effective, tech-enabled, legally defensible recovery will only grow.

For lenders, the question is no longer whether to digitise their legal recovery operations, but how quickly they can build infrastructure that is compliant, data-driven, and defensible at every stage, from first notice to final court order.


Want to see how Legodesk connects your collections workflow directly to legal recovery, from automated notice dispatch to court case management, notice tracking, and recovery through Lok adalat? Request a demo



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