Personal loan settlement tab hota hai jab borrower full repayment karne mein asamarth hota hai, aur bank ek discounted lump sum accept karke account close karta hai. Ye short-term relief deta hai par CIBIL report par “Settled” tag lag jaata hai, jisse credit score girta hai. Is article mein aapko settlement ka process, RBI ke rules, aur post-settlement recovery tips milenge.
- Personal loan settlement kya hota hai?
- Bank settlement kab offer karta hai?
- Personal loan settlement process step-by-step
- RBI ka compromise settlement framework
- CIBIL par iska kya effect padta hai?
- Settlement ke baad borrower kya kare?
- Settlement se pehle safer alternatives
- FAQs
1) Personal loan settlement kya hota hai?
Personal loan settlement ek compromise arrangement hota hai jisme bank borrower se poore outstanding ka ek hissa accept karke account close kar deta hai.
👉 Example: Agar aapka total due ₹4 lakh hai, to bank ₹2.5 lakh accept karke account “Settled” mark kar sakta hai.
Ye option un borrowers ke liye diya jaata hai jinke paas genuine repayment hardship ho — jaise job loss, health issues, ya business loss.
2) Bank settlement kab offer karta hai?
-
Jab loan 90+ days overdue ho jaata hai (account NPA).
-
Jab borrower ke financial documents hardship dikhate hain.
-
Jab recovery through court/SARFAESI time-consuming lagta hai.
-
Jab bank ko lagta hai ki lump-sum recovery abhi zyada practical hai.
3) Personal loan settlement process step-by-step
Step 1: Hardship explain karein
Bank ko likhit request bhejein aur genuine proof attach karein (salary slip, termination letter, medical bills).
Step 2: Negotiation
Bank total dues (principal + interest + charges) batata hai. Borrower waiver demand kar sakta hai, especially on penalties and late fees.
Step 3: Sanction letter
Aapko ek settlement sanction letter milega jisme likha hoga:
-
Final settlement amount
-
Payment deadline
-
Waiver terms
-
Closure confirmation condition
Step 4: Payment
Bank ke official channel se lump-sum ya short installment payment karein (cash mat dein).
Step 5: Closure & NOC
Payment ke baad bank No Due Certificate (NOC) deta hai.
Step 6: CIBIL update
Account bureau me “Settled” status ke sath report hota hai, “Closed” nahi.
4) RBI ka compromise settlement framework (June 2023)
-
Banks/NBFCs settlement kar sakte hain board-approved policy ke under.
-
Settlement ke baad borrower par minimum 12 months cooling period lagta hai same lender se new loan lene ke liye.
-
Fraud/wilful defaulters ko settlement ka benefit nahi milta.
-
Banks ko transparent documentation maintain karna hota hai.
5) CIBIL par iska kya effect padta hai?
-
“Settled” status ek negative remark hota hai.
-
Score 75 – 150 points tak gir sakta hai.
-
Ye remark 7 saal tak credit report me dikhta hai.
-
Future me loan/credit-card approvals mushkil ho jaate hain, ya high interest rate milta hai.
6) Settlement ke baad borrower kya kare?
-
CIBIL report check karein (30–60 days me update hoti hai).
-
Agar status galat hai, dispute raise karein bureau ke portal par.
-
Active accounts ke EMIs time par bharein to rebuild score.
-
Secured credit card (FD-based) use karein repayment discipline dikhane ke liye.
-
Credit utilization 30% se kam rakhein.
7) Settlement se pehle safer alternatives
-
Restructuring: Tenure badhakar EMI kam karwana.
-
Balance transfer: Lower-interest lender ke paas shift karna.
-
Top-up loan: Short-term liquidity se arrears clear karna.
-
Debt counselling: EMI calendar banwana bina CIBIL kharab kiye.
8) FAQs
Q1: Kya settlement legal hai?
Haan, RBI ke framework ke andar banks settlement kar sakte hain, lekin ye unka discretion hota hai.
Q2: Kya settlement ke baad harassment calls band ho jaayengi?
Haan, account close hone ke baad recovery band ho jaata hai.
Q3: Kya settlement score improve karega?
Nahi, settlement score girata hai. Improvement tab hota hai jab aap agle kuch saal flawless repayment maintain karein.
Q4: Kya settlement ke baad naya loan mil sakta hai?
Cooling period ke baad mil sakta hai, lekin approval tough hota hai aur rate zyada hota hai.
