<h1>Survey links unsecured household debt and recurring EMIs to higher anxiety and productivity loss, urging policy and regulatory action</h1> Government data and surveys link unsecured household debt and recurring EMIs to heightened anxiety, sleep disruption, reduced productivity, and large mental-health treatment gaps, with urban borrowers particularly affected. The Economic Survey's framing of mental health as an economic issue signals potential regulatory and policy responses addressing consumer credit practices, debt counselling access, workplace mental-health obligations, and public-health interventions. Legal risks for lenders and employers include increased scrutiny over lending disclosures, BNPL practices, workplace duty of care, and adequacy of support services. Recommended mitigations include expanded debt-relief counselling, regulated EMI notification practices, improved access to mental-health treatment, and coordinated policy measures.