Loan settlement borrower ko turant relief deta hai, par CIBIL report par “Settled” tag aata hai jo 7 saal tak dikh sakta hai. Iska direct effect aapke credit score, nayi loan approvals, aur future borrowing cost par padta hai. Is blog mein settlement ke credit score par impact aur usse recover karne ke steps explain kiye gaye hain.
- Loan settlement kya hota hai?
- CIBIL report me “Settled” vs “Closed” ka difference
- Loan settlement ka credit score par direct impact
- Future loan approvals par asar
- RBI ka settlement framework aur cooling period
- Loan settlement ke baad credit score kaise improve karein
- Safer alternatives settlement se pehle
- FAQs
1) Loan settlement kya hota hai?
Loan settlement ek compromise process hai jisme bank borrower se outstanding ka ek part accept karke account close kar deta hai. Baki amount ko waive kiya jata hai. Isse account CIBIL par “Settled” status ke sath report hota hai, jo lenders ke liye ek warning signal hota hai.
2) CIBIL report me “Settled” vs “Closed” ka difference
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Closed: Borrower ne full outstanding pay kar diya. Positive impact.
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Settled: Borrower ne partial pay karke account band karwaya. Negative impact.
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Written-off: Bank ne loan loss me dal diya. Sabse negative impact.
3) Loan settlement ka credit score par direct impact
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CIBIL score 75–150 points ya usse zyada gir sakta hai.
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Settlement ka remark 7 years tak credit report me dikhta hai.
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Banks aur NBFCs aise borrowers ko high-risk maante hain.
4) Future loan approvals par asar
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Home loan, car loan, credit card approvals mushkil ho jaate hain.
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Agar loan mil bhi jata hai to interest rate zyada hota hai.
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Kuch lenders aapko “settled account holder” hone ki wajah se reject kar dete hain, chahe score wapas improve ho chuka ho.
5) RBI ka settlement framework aur cooling period
RBI ke 2023 ke rules ke mutabiq:
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Banks/NBFCs compromise settlement kar sakte hain under board-approved policy.
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Settlement ke baad kam se kam 12 months cooling period hota hai usi bank/NBFC se naya loan lene ke liye.
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Ye borrowers ko encourage karta hai ki wo turant dobara credit lene ki koshish na karein.
6) Loan settlement ke baad credit score kaise improve karein
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All active loans/credit cards ke EMIs time par pay karein.
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Secured credit card (FD-backed) lein aur use time par repay karein.
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Credit utilization 30% ke andar rakhein.
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Apna CIBIL report 6–12 mahine me ek baar check karein.
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Old accounts active rakhein (long credit history score improve karti hai).
7) Safer alternatives settlement se pehle
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Restructuring: Tenure badha ke EMI kam karna.
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Moratorium: Temporary EMI holiday lena.
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Balance transfer: Loan ko lower interest wale lender ke paas shift karna.
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Debt counselling: Repayment plan banwana bina CIBIL kharab kiye.
8) FAQs
Q1: Kya loan settlement ke baad score turant improve hoga?
Nahi. Settlement ek negative remark hai. Score ko improve hone me 2–3 saal lag sakte hain with disciplined repayment.
Q2: Kya settlement legal hai?
Haan. RBI ke framework ke under banks/NBFCs settlement kar sakte hain, lekin ye unka policy decision hota hai.
Q3: Settlement ke baad naya loan kab milta hai?
Kam se kam 12 months ke cooling period ke baad aap apply kar sakte ho, lekin approval tough hota hai.
Q4: Kya settlement better hai ya restructuring?
Agar possible ho to restructuring choose karein, kyunki usse “settled” tag nahi lagta aur credit profile safe rehta hai.
