Are you trapped in a cycle of debt and recovery agent harassment? Our legal experts negotiate directly with banks to reduce your liability by up to 50% through RBI-approved One Time Settlement (OTS) protocols.
Over ₹50 Crores Resolved
Helping Indian families regain financial control legally.
At Settlement on Loan, we combine years of banking experience with legal expertise to provide a shield for borrowers in distress. We understand that financial crises are not a choice.
Our team consists of veteran debt negotiators who speak the bank's language. We don't just ask for a discount; we present a legal case that proves your hardship.
10,000+
Clients Represented
98%
Case Success Rate
In-depth RBI Knowledge
We leverage the latest Reserve Bank of India circulars to ensure your settlement is 100% compliant.
Direct Bank Liaison
We bypass generic customer care and deal directly with the bank's recovery and legal heads.
Providing legal pathways to clear unsecured liabilities for individuals and business owners in Delhi NCR.
Negotiating settlements for personal loans from HDFC, ICICI, SBI, and leading NBFCs.
Read MoreStopping high-interest traps by settling principals at affordable rates.
Read MoreLegal assistance for SMEs struggling with unsecured business loan repayments.
Read MoreTo present a strong legal case to the bank, we require the following verified documentation to initiate your One Time Settlement process.
Self-attested copies of Aadhar Card and PAN Card for KYC verification with the bank's legal cell.
Last 6 months Bank Statements to demonstrate your current cash flow and financial incapacity.
Latest 3 months Salary Slips or ITR copies to validate the reduction in your repayment capacity.
Copies of Loan Notices, Section 138/25 legal notices, or recall letters sent by the bank.
Medical certificates, job termination letters, or death certificates in case of the primary earner's demise.
Loan account statements showing total principal paid and interest accumulated over the loan tenure.
Rahul Kumar
New Delhi
"Settled my ₹8L credit card debt for ₹3.5L. The team handled all calls professionally."
Sneha Sharma
Gurgaon
"Was terrified of recovery calls. Settlement on Loan gave me my life back."
Amit Jain
Noida
"They saved me from business bankruptcy with a fair OTS. 100% legal support."
Rahul Kumar
New Delhi
"Settled my ₹8L credit card debt for ₹3.5L. The team handled all calls professionally."
Sneha Sharma
Gurgaon
"Was terrified of recovery calls. Settlement on Loan gave me my life back."
Loan settlement is a standard banking procedure governed by RBI guidelines for handling stressed assets. Banks use this to clear Non-Performing Assets (NPAs) from their balance sheets while offering a genuine exit path to borrowers.
We protect you against coercive recovery tactics by enforcing your legal rights as a citizen of India under banking regulations.
Every settlement we negotiate is backed by an official offer letter from the bank, ensuring your record is legally cleared.
Yes, it is 100% legal. The Reserve Bank of India allows One Time Settlements for borrowers facing genuine financial crises to resolve bad debts efficiently.
Your status changes to 'Settled'. While your score drops temporarily, you can rebuild it over 12-24 months through disciplined financial behavior.
Yes. We send legal representation to the bank, notifying them to contact us directly. This strictly adheres to the RBI Fair Practice Code.
Typically, we achieve waivers of 30% to 50% on the total outstanding, often getting all interest and penalty charges removed entirely.
We specialize in Personal Loans, Credit Card debt, and unsecured Business Loans from major banks and NBFCs in Delhi NCR.
A standard case takes 3 to 6 months, involving case study, documentation, and multiple negotiation rounds with bank committees.
We charge a small initial fee to begin legal representation. Success-based fees are only applicable once you receive the official offer from the bank.
Our legal experts assist in filing replies for Section 138 or Section 25 notices and negotiate a settlement to resolve matters out of court.
Navigating the complexities of loan Setllemtn can be daunting. Personal Loan Settlement offers a beacon of hope, providing a strategic approach to manage and diminish your loan burdens.
