Service 01
Personal Loan Settlement
Review unsecured personal-loan hardship, lender communication and possible settlement paths.
Find your starting point
Tell us a little about your debt.
No name, phone number or account details needed.
Discuss your debt type, balance and repayment status with SOL.
Go to consultation
About Settlement On Loan
A clearer path through a difficult financial moment.
SOL helps borrowers understand available debt options, organize their circumstances and communicate with banks or NBFCs.
Clarity before commitment.
Our mission is to help you understand what you owe, what you can manage and what any agreement would mean—before you decide.
The lender decides whether to accept a proposal. SOL service fees and lender settlement payments are separate.
Learn more about SOL →
What We Do
Support that feels clear, human and manageable.
Every debt situation is different. Explore the services below and use Quick Look to understand what each service covers before opening a detailed page.
Service 02
Credit Card Settlement
Understand card dues, repayment alternatives, written settlement terms and credit implications.
Service 03
Business Loan Settlement
Assessment support for business debt, lender OTS discussions and financial hardship.
Service 04
Debt Closure Guidance
Understand payment completion, settlement documentation, NOC and account status.
Service 05
Recovery Communication Support
Organize communication records and understand lender grievance or escalation pathways.
Service 06
Credit Report Guidance
Understand settled versus closed status, factual corrections and lender-reported information.
Before deciding
Settlement may be one option. Explore the others too.
A reduced payment is not automatically the best path. Begin with what you can reasonably repay and the options your lender offers.
When a review may help
- EMIs have become genuinely unaffordable
- Your account is overdue or recovery communication has started
- You can explain and document financial hardship
- You understand potential credit-report consequences
Other repayment paths
- Normal repayment, if still manageable
- A revised payment arrangement with your lender
- Restructuring, where offered by the lender
- Full repayment or independent advice for secured debt and legal matters
Do not deliberately miss payments to pursue settlement. This reflection does not determine lender eligibility.
How it works
A practical process, at your pace.
Understand your position and the service agreement before deciding whether to proceed.
Review your position
List lenders, balances, overdue status, hardship and what you can afford.
Compare the paths
Consider repayment, revised arrangements, restructuring and settlement. Confirm SOL scope and fees.
Discuss with the lender
Prepare documents and communicate your circumstances. The lender decides whether to consider or accept a proposal.
Verify before paying
Check lender-authorized written terms, amount, deadline and payment route. SOL fees are paid separately.
Keep the records
Retain the letter, receipts and lender confirmation. Review the account status subsequently reported.
There is no guaranteed waiver or completion date. The Basic Plan’s five-month service period does not guarantee settlement within five months.
Loan Settlement Assessment
Explore an Illustrative Settlement Estimate
Select a lender from the supplied model list and enter your current loan status. The calculator uses lender category, days past due and repayment tenure to illustrate the supplied model’s assumptions. These assumptions are not verified lender policies.
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Select Lender
2
Enter Loan Status
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View Estimate
Your Loan Details
Tell us about your current loan
Enter lender, outstanding amount, overdue days and repayment tenure to generate an indicative assessment.
Your estimate will appear here
Select a lender and enter your outstanding amount, DPD and repayment details to understand the settlement model applicable to your case.
Settlement Assessment
Lender
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Model example ready
Illustrative planning amount
₹0
-
Model waiver assumption
-
Borrower Pays
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Model payable range
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Based on model band
Model relief range
-
Indicative only
Days Past Due
-
Tenure Paid
-
Matched Calculation Case
-
Planning payable
50%
Estimated borrower payment
Model-estimated waiver
Important:
This is an indicative model estimate, not a lender-approved
settlement offer.
WhatsApp opens a draft with these loan details. Review it before sending.
Calculator note:
This assessment uses lender category, DPD and EMI tenure ratio to
illustrate assumed waiver/payment bands. The numerical bands supplied in this calculator have not been verified against lender policies and are not eligibility rules. Do not deliberately miss payments to reach a model threshold. SOL fees are separate. Actual settlement, waiver,
timing and approval remain subject to lender policy, account status,
documentation, negotiation and borrower circumstances.
Transparent Pricing
Know the service fee before you proceed.
Adjust your outstanding debt to understand the Basic Plan service fee. This estimate is separate from any amount a lender may accept toward settlement.
Basic Plan
Simple fee structure with clear calculation.
The Basic Plan combines a one-time sign-up fee with a monthly service fee calculated according to the total outstanding debt.
One-time sign-up
₹1,000 + GST
Monthly service fee
₹1,000 + GST / ₹1 lakh
Basic Plan duration
5 Months
Note:
Premium Service pricing may differ. This calculator represents
SOL service fees only, not a lender settlement amount. Whole-lakh amounts are shown; confirm partial-lakh billing in your agreement.
Interactive Estimate
What is your total outstanding debt?
Choose a whole-lakh amount to calculate the estimated Basic Plan service fee.
GST Extra
Outstanding debt
₹5,00,000
₹1L
₹25L
₹50L
Sign-up fee
₹1,000
Monthly service fee
₹5,000
Five months service fee
₹25,000
Basic Plan total before GST
₹26,000
GST is additional.
Before making payment
The written terms deserve your attention.
Verify a settlement letter through an official lender channel before acting on it. An informal message or a caller’s assurance should not replace lender authorization.
Pay lender settlement amounts only through the lender’s authorized payment route. Keep SOL service payments separate.
“Settled” and “closed” differ.
Full repayment may be reported as closed. A lender accepting less than the full contractual dues may report the account as settled, which can affect future credit access.
Check the actual lender confirmation and bureau record. No fixed score, status conversion or recovery timeline is promised.
Clarity you can check
Trust starts with the questions we help you ask.
Look for clear terms and verifiable records when choosing any debt-support service.
What will I pay?
Review the Basic Plan matrix and confirm your written fee schedule, GST, duration and service scope.
Review service fees →Who decides the outcome?
Your lender controls settlement approval and terms. A support service cannot guarantee a waiver or a credit-report result.
Understand the process →What proves the agreement?
Lender-authorized written terms, verified payment routes and receipts help you understand and document each step.
Check payment safeguards →Real people. Documented experiences.
EDITOR ONLY — Do not publish this section in its current state.
Real team profile — pending verification
Required: actual name, role, approved photograph, biography and evidence for each credential. If an advocate is featured, verify registration and the actual engagement scope. No stock portrait may stand in for a staff member.
Documented case study — pending verification
Required: borrower consent, anonymized account context, lender-authorized terms, payment records, SOL fees, date, actual outcome and credit-report implications. State that individual results vary. Do not insert invented savings, quotations or timelines.
Ratings, volume metrics and lender affiliations also require independently checkable evidence before publication.
Common questions
Understand the decision before you make it.
Need help applying this to your accounts?
Is a settlement guaranteed?
No. The lender decides whether to approve settlement and on what terms. Outcomes depend on lender policy, account status, hardship, documentation and individual circumstances.
Should I stop paying to become eligible?
Do not deliberately miss payments to pursue settlement. Review affordable repayment, revised arrangements and any restructuring options with your lender first. Missed payments can add charges and affect your credit report.
What does the Basic Plan cost?
₹1,000 + GST to sign up, plus ₹1,000 + GST per ₹1 lakh outstanding each month for five months. For ₹5 lakh outstanding, the total service fee is ₹26,000 before GST. Confirm billing details and partial-lakh treatment in your written agreement. Premium fees may differ.
Are SOL fees included in the lender settlement?
No. SOL service fees are separate. Pay any lender settlement amount through the lender’s authorized payment route after verifying its written terms.
Will settlement make my account “closed”?
Not automatically. Accepting less than the full contractual dues may result in settled status. Full repayment may be reported as closed. Confirm the lender’s records and subsequent bureau reporting.
Can SOL guarantee that recovery calls will stop?
No. Recovery communication support can help you organize records and understand grievance or escalation routes. It does not guarantee elimination of collection calls.
How long will a settlement take?
There is no fixed completion time. Lender decisions, documents and account circumstances affect timing. The Basic Plan’s five-month service period is not a guaranteed settlement deadline.
What should I verify before paying?
Verify lender authorization, the correct account, the exact amount and conditions, the deadline and the authorized payment route. Retain the settlement letter and payment receipts, then obtain applicable lender confirmation.
Is the calculator an approved settlement offer?
No. The calculator provides an indicative model estimate for planning. Only lender-authorized written terms establish an actual settlement offer.
Does the starting-point screener send my details?
The screener runs in your browser and does not submit or store your selections. To contact SOL, choose the consultation page or phone link. Information you provide through those channels is handled under the applicable privacy policy.
From our blog
View all blogs Useful reading for your next decision.
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