New Loan after Loan Settlement, even to Wilful Defaulters | New Guideline of Reserve Bank of India |

In this video Mukesh Mohan Gupta has explained the contents of recent circular issued by RBI on Framework for Compromise Settlements and Technical Write-offs. The same is issued on June 08, 2023.
For any clarification, please write to us at:- [e-mail].
The key contents of the notification are as under:
Board-approved policy
1. Regulated Entities (REs) shall put in place Board-approved policies for undertaking compromise settlements with the borrowers as well as for technical write-offs.
Compromise settlement for this purpose shall refer to any negotiated arrangement with the borrower to fully1 settle the claims of the RE against the borrower in cash; it may entail some sacrifice of the amount due from the borrower on the part of the REs with corresponding waiver of claims of the RE against the borrower to that extent.
Technical write-off for this purpose shall refer to cases where the non- performing assets remain outstanding at borrowers’ loan account level, but are written-off (fully or partially) by the RE only for accounting purposes, without involving any waiver of claims against the borrower, and without prejudice to the recovery of the same.
2. The Board approved policy shall comprehensively lay down the process to be followed for all compromise settlements and technical write-offs, with specific guidance on the necessary conditions precedent such as minimum ageing, deterioration in collateral value etc. The policies shall also put in place a graded framework for examination of staff accountability in such cases with reasonable thresholds and timelines as may be decided by the Board.
3. In respect of compromise settlements, the policy shall inter alia contain provisions relating to permissible sacrifice for various categories of exposures while arriving at the settlement amount, after prudently reckoning the current realisable value of security/collateral, where available. The methodology for arriving at the realisable value of the security shall also form part of the policy. The objective shall be to maximise the possible recovery from a distressed borrower at minimum expense, in the best interest of the RE.
4. The compromise settlements and technical write-offs shall be without prejudice to any mutually agreed contractual provisions between the RE and the borrower relating to future contingent realizations or recovery by the RE, subject to such claims not being recognised in any manner on the balance sheet of REs at the time of the settlement or subsequently till actual realization of such receivables. Any such claims recognised on the balance sheet of the RE shall render the arrangement to be treated as restructuring in terms of paragraph 7 of this circular.
Cooling Period
In respect of borrowers subject to compromise settlements, there shall be a cooling period as determined by the respective Board approved policies before the REs can assume fresh exposures to such borrowers.
Provided that:
(i) The cooling period in respect of exposures other than farm credit exposures shall be subject to a floor of 12 months. REs are free to stipulate higher cooling periods in terms of their Board approved policies.
(ii) The cooling period for farm credit exposures shall be determined by the REs as per their respective Board approved policies.
Farm credit for the above purpose shall refer to credit extended to agricultural activities as listed in Annex 2 to the Master Circular - Prudential norms on Income Recognition, Asset Classification and Provisioning pertaining to Advances as amended from time to time.
The cooling period to be adopted in respect of exposures subjected to technical write- offs shall be as per the Board approved policies of the REs.
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[@rajeevgarg91]

Very nice step..our economy will grow more rapidly than before

[@prashantchheda8462]

very good ... thank you NEED MORE VIDEOS LIKE THIS ... THAN YOU SIR Ji ....

[@ranaherbals.2967]

सर बैंक में जमीन गिरवी रखने के बावजूद भी लोन नहीं मिलता है बातें सुनने में अच्छी लगती है लेकिन हकीकत कुछ और है

[@dineshrawal20]

100% right

[@anandm1609]

This is the very good and greatest decision from the rbi for settled borrowers thanku sir from karnataka

[@DineshKumar-oh8tw]

Right 👍

[@rajusharma9815]

sir jo aap bta rha ho ke bank lon satteld ka bad be dega but bank m manejr bolta hh aapka satld 5 year bad m aana kya kra

[@mrsingh-fp6uv]

Bank bhi amoro ko hi loan deta hai

[@ShimlaDeviKalociya]

Sir ji Good Desigan Reserve Bank of India ❤

[@spurtiispu6514]

What about the wave offs they do for top industrialists. They leave the country and are happily living. And the great mallya, nirav modi, Choksi, lalit modi. What about them? Why compromise and adjustm is always only for middle calls and strugglers ?

[@JagdishSarma-bf8zl]

This notification of RBI willfuldefalters can establish their new enterpurner ife. It is very welcome ble desicion of India govt thanks lot

[@rajivgupta5751]

रिजर्व बैंक का यह डिसीजन बहुत ही अच्छा है क्योंकि कोरोना काल में bahut vyakti defaulter Ho chuke hain कम से कम उन्हें संभालने के लिए एक मौका अवश्य मिलना चाहिए

[@vanshikafreightmovers5214]

Ye growth bdaye india ki ye acchi phal hi ek bar Moka shi mil rha hi ese logo ke liye

[@manzoorwani699]

very.nic.sir

[@learnwithbittu6172]

Sir good information sambale ka mouka to sab ko milna chahiye karona ke bad se Jo sahi the wo bhi galat ho gaye na chhahate Hui bhi halat kuch aise Hui ki sab badal Gaya kisi ne apna papa khoya to kisi ne apna beta is mahanari ne to kitno ka jeevan kharab kar diya

[@sumonbi67556]

Nice framework by RBI🎉🎉🎉🎉

[@rameshkogta5038]

good no any loss

[@babaiyermanispiritualandpo2062]

Bahut Jaan Hain aap ki baat and looks mein.

[@Adilife01]

999/- Me Civil complete ,karake mil jayega l jinta 750 tal Aram se jayega

[@satpaulgupta455]

What is process please send contact details

[@shafiqueahmadyt]

good idea

[@sonuchopra3971]

Very excited good job sir thanks

[@bharatchoudhary3412]

सर हमने सेटलमेंट करा है kcc लोन नही देरही बेंक आफ इंडिया क्या करें जवाब जल्दी देना

[@VikasSharma-kz9ev]

SBI se lelo vo KCC loan zyada bhi deta hai

[@PoulamiDas-o4k]

Sair hamara lon ka settlement huya hai may nominee thi firvi mera civil right kharap dikha raha hai kehi sy v lon nehi mil raha Civil score 771hai

[@antarshakti3093]

टेक्निकल लोन हाताने के बाद भी रेकवरी होंगा तो इसका क्या फैदा customer को ?

[@sintukumar-kd3mo]

मैंने लोन का कुल राशी दे दिया लेकिन मेरे सिबिल स्कोर में wittern off dikha raha hai. Kaise remove hoga please help me sir.

[@MantasaKhatun-u7s]

Hamne 29 November 2022 ko pmegp me 10lakh ka loan liya tha aur mera subsidy aa gaya hai to kya mai bank ko term loan ka band kara kar cc bada sakte hai

[@premspatel6084]

Koi aadami business karna chahta to hai per Sarkar nahin karne degi kyunki usko koi support nahin milta Bank ki or se

[@tanayngm651]

I have two open loans, citi bank and mobikwik..should I settle both of them(which would save me some(30k) or pay that extra money and get it closed? would settling be really that bad for any future loan? PLS TELL what to do?

[@anilgiri5470]

Sir ji suit field ko loan milega ki nahi ma government employees hu

[@ranjitsinhsolanki9678]

Konsi Bank degi loan

[@Aditya_gaming403]

Jitne me settlement ho use aage us amount ka sirf 25 loan hi sension hona chahiye,use uski aukat batani chahiye ki tumhari aukat bS it I hi hai,ye meri advice hai,kripya rbi Tak pahuchane,bahut Kam ki hai,public opinion leni chahiye,thanks

[@Himanshu-Bhai-8954]

sir mujhe pmegp scheme ke under m 10 lakh rupees ka loan lena hai aur main aapki team ko call krke kh chuka hu but aapki team se ek mam kh rhi hai ki vo 10 lakh tak ka loan nhi dilvate hain . sir mera loan approve karane m aapki help chahiye....sir mujhe aap pe poora trust hai but sir aapki team help nhi kr rhi hai baar baar same mam call pick krti hain....sir pls comment me and help me

[@pradipwalavalkar5806]

Settlement karake Noc mili badame kyu taklif hoti hai

[@technicalgudduji8592]

Sir, maine 2008 mai education loan liya tha , phir 2018 mai loan settlement kar k loan written off karbaya hai.. av mere pas ek government job hai , kya mujhe home loan mel sakta hai

[@ALLinOne-pm5vm]

yes

[@sunnymalik7022]

Sir g mene march 2021 m ots kiya tha kya muje dobara loan milega muje loan चाहिए।

[@MSMEHelpline]

No

[@sunnymalik7022]

@@MSMEHelpline sir g vdo m to आप कह रहे हैं कि loan milega RBI ने circular kar diya ह

[@mallipawanmallikarjun3191]

Sir please help me 🙏

[@rps7564]

Manlo main ek loan leta hun aur nhi patata hun aur fir thode paise deke settlement kar lunga uske bad fir loan le lunga. ....ye bahot achhi scheme hi . Main to ab kuch nhi karne wala life main bus loan lunga aur default karunga aur fir settle karke fir le lunga 😂😂

[@Aditya_gaming403]

Tu garib ko aatmhatyA k liye vivash kar rha hai,ye scheme under 20lac honi chahiye

[@ParasJain-nq7of]

मुकेश जी सर वीडियो के माध्यम से जो भी नयी सूचना और नियम आप देते हैं यह सच में बहुत ही सराहनीय कार्य है लेकिन मुझे बताते हुए दुख हो रहा है कि RBI की यह सभी योजनाएं सिर्फ हवा में ही हैं बैंक इन नियमों को नहीं मानते पूरे 2.5 साल हो गए मुझे बैंकों के चक्कर काटते काटते ।

[@gangaprasadchandra4657]

बैंक वाले अमीर लोगो को लोन देते है गरीबो को नही

[@gangaprasadchandra4657]

बैंक ऑफ बड़ौदा सबसे घटिया बैंक है लोन के नाम पर घटिया मज़ाक। करते है ग्राहकों से पहले लोन मिल जाएगा बोलते है फिर सब कागजात मांगते हैं 2 3 महीना घूमते है फिर नही मिलेगा बोलते है इनके कर्मचारियों को ग्राहकों का समय धन और मेहनत का कोई मतलब नही

[@rohitofficial7252]

सर, मुझे जानकारी चाहिए की, अगर मेरा लोन C. G. T. M. S. E के अंडर हुआ है, और मेरा E. M. I, 24000 रुपये का है, और मैं कमाई मे मंदी के कारण पिछले दो महीने से 10000 रुपये का E. M. I जमा कर रहा हूँ, तो क्या मेरा लोन एकाउंट N. P. A हो सकता हैं, कृपया मुझे जानकारी दीजिये

[@deepakbari5746]

News aur paper pe hi milta hai loan गरीबों को ,,, लोन सिर्फ बागोडो को दिया जाता है

[@limitlessmotivation_1]

Sahi m Bhai gareeb ko mil jaye toh Jaan he jate uske akhri mein

[@sunnymalik7022]

Sir g namste m aapse मिलना चाहता हूं कृपा करके आप मुझे आपका contact number दे।

[@antarshakti3093]

लेकीन बँक्स जो चक्रवर्ती ब्याज लगक्के लोण अमाऊंट को चौगुणा बदया है उस मे कितना सेटलमेंट हाँगा ?

[@vishwanathmaurya9300]

Sir mera kcc lon 60000 ka hai aur oh saterment ka leper bheja hai ,air bank me 30000 the. Manga per mai kitne me watermen karu,, Sir batane ki kirpa kare dhanybad

[@jagjeetrajkhurana4611]

आप सच कह रहे है मगर मेरे 2020 जनवरी मे लोन लिया मगर करोना चालु हुवा मार्च मे सब बंद हो गया EMI रूक गई ! वो 2021 फरवरी मे रि ईश्क्टचर किया मगर काफी मुश्कील से EMI 90•/. तो भर चुके है मगर सिविल 250-300 पर आ गया है !अब कोई भी NBNC,BANK , यह कह रहे है की आप की EMI बहोत लेट लेट भरे है सिविल खराब है ! भरा हुवा EMI कोई भी स्वीकार या मान नही रहा है लोन नही दे रहा है (लोन करोङो मे था करोङोमे भर दिया है) अब ऊस लोन का 25•/•भी नही मिल पा रहा है

[@bksingh1378]

Corona time yani March 2020 leker December 2023 Tak ke samay ko kisi bhi prakar se defaulters ke srini mein nahi rakhna chahiye unsabhi ka civil score pehle ke adhar per hi manya hona chahiye.chote loan keliye under 50thousand. Ke kisi bhi prakar ke loan per koi civil score ki zarurat nahi hona chahiye.usese desh ki economic development growth fastly hoga. Loan Dene keliya. Institution ke Vivek per chor dejiye

[@pramodagarwal3229]

सविनय प्रणाम आदरणीय 🙏 मुकेश जी आपके द्वारा प्रस्तुत प्रत्येक जानकारी इतनी बारीकी से विश्लेषित होती हैं कि एक High School Student भी आसानी से हृदयस्थ कर लें। आपके बहुमूल्य मार्गदर्शन के लिए हृदय से आभार। 🙏

[@MSMEHelpline]

Thanks Pramod ji for such kind worda

[@pramodagarwal3229]

@@MSMEHelpline सहृदय आभार 🙏

[@Akshay85527]

Hamne 10 lakh loan liya tha aur 8 lakh bhare lekin covid ke baad business band hua aur uske baad bank ne interest lgakake 8 lakh phir bharne ke liye Abhi 138 ka case karke dara rahe hai please help kare sir

[@anurangkumar6265]

Sir Mera Bharat pe loan liya wah settle kar diye mere cibile settle dikha h usko clear kaise kare

[@rohitchauhan2321]

अरे CA साहब सब यह जानकारियां छोटे मोटे लोगों के लिए बाकी माल्या जैसे निराव मोदी जैसे लोगों के लिए थोड़ी

[@sachinnalawade7373]

आपकी बाते बड़ी बड़ी हे मगर बैंक नही समझती हे

[@s.maqueelchishty292]

Sir very good information sir mera ek kcc loan hai HDFC bank se thoda Intrest due ho gaya hai aur bank loan ko npa karne ki bol rahi hai main kya karo please advice.

[@alisherahmad211]

Sir mere form ka kya hoa abi tak jabab nahi aaya sir

[@Aditya_gaming403]

Anchahi galti ko ekbar maf karna chahiye,ek mauka Dena chahiye.wo bhi 20 lakh k ander walon ka, na ki malya,chaukasi,,neerav modi,garib ko maf karo or ek mauka do,Jo desh chhod k bhag gaya,usko mauka kyo,aakhiri kis uddeshya se bhaga.

[@RajBhandari-p7o]

Sir me ye chahta hu ki koi bhi loner janboojhkar defolder nahi hota kyuki agar bank lone deta hai to us time uski civile score aur kaam dhanda dekhkar hi deta hai sab acha hone par deta hai but jab insan ki arthik sthiti sahi nahi hoti tabhi vo nahi de pata khaskar aj ke samay par jaha lockdowen ke bad income kam kharche jada ho gaye hai to RBI ya sarkar ko lone maaf karna chauiye ya 2se 3 sal ka samay dena chaiiye khud ko recover karne ke liye tabki waha karja bhi chukane layak ho jaye aur kharcha bhi chala paye thanks

[@kartikchauhan3078]

Ye sab murkh banane ki bat hey. Chote aadmi ko kuch nahi milta. Ye bhrsta char ka naya Tari ka hey modi sarkar 😂

[@viru5348]

आपको सुन के लगता है की लोन बहोत आसानी से मिल जाएगा लेकिन नही मिलता है आपने बताया था की pmegp लोन जो नई उद्योग लगाने के लिए मिलता है लेकिन नही मिला मैं तीन बार अप्लाई किया kvic से बैंक में एप्लिकेशन आता है तो बैंक बोलता है पहले उद्योग लगाइए मुझे समझ में नहीं आता है की क्यू ऐसा बोलते है सीधी बात है जब पैसा होता तो उद्योग लगाते बैंक क्यू जाते लोन के लिए

[@laxmikantgoswami2463]

बैंक को नियम की कॉपी दिखाइए,पीएमईजीपी new business ke liye लोन दिया जाता है

[@RajeshYadav-rz7hj]

Mujhe to mila hai Kisi nationalaies bank me contact kijiye

[@basupatil21]

Thanks for putting this RBI new policy for ots. But i have been duped by HDFC bank. They settle my PL but did not guide me properly. Still showing in the cibil . As settle and every year its increasing by 50k . So sir can u help me in this regard.

[@satendrapradhan9894]

Sir mai aap ke projct me join karna chahtye h pls conform kare

[@Aditya_gaming403]

Rbi ko thanks to help of poorer men and go ahead

[@yadavparm]

सर एमजॉन पे लेटर से 483 का कुछ सामान लिया था वो अकाउंट डिलीट हो गया मेरे मेल पे रिमाइंडर आया मैने देखा नही कुछ दिन बाद जब मैंने cibil चेक की तो पता चला की मेरे cibil down हुईं हैं उस से मैंने bank से कॉन्टैक्ट किया और सारी पेमेंट pay कर दी एक साल बाद जब मैं लोन लेने गया sbi से उस बैंक से पहले मेरा एक लोन चल रहा हैं बैंक ने मना कर दिया लोन देने से मेरे पास उस लोन की noc bhi hain ..please help me

[@yadavparm]

@Rahul-Loan70030 loan t main tn de du ...kitna levvv ga

[@alisherahmad211]

Lon ke leyi me bhara ho aaj 10 del se jada ho gya hai sir

[@chechisbrown5894]

Sir humne 2 biga Jamin ki kagaj lekar pichle 6 month se loan 3 lack k liye ghum rahe hu, axis bank HDFC sav pe ghumkar aagaya phir bhi nahi mila

[@kishorjain2827]

Ye policy bahut achi he jo npa ac 7 se 10 sal tak bhi settelment nahi Kar rahi thi bank jisse bank ko loss ho raha tha vo agar bank fatafat niptayegi to hi economic growth hogi agar banko ka adiyal rawaya raha to npa vale to vaise bhi paresan ho hi rahe he unko kuch farak nahi padega kyoki unki insaniyat to bank valo ne pahle hi barbad karke rakhi hui he behtar hoga rbi banko ko policy per amal karne ke liye majbur Kare or reporting or target de ki is policy ka kitne logo ko fayada diya gaya mukeshji aap ke pass bhi koi case wale call kare to rbi tak pahunchayega dhanyavad

[@VinodkumarVRao]

Nobody takes pride in dodgeing the Instalment of any Loan and it happens in circumstances beyond his contorl for which he is ashamed of himself. Till now, it was treated as 'Follow the Rules in toto" which our Hournerable Governer of Reserve bank of India has treated as a Real Humanitarian situaltion and tried to save a Common Man from being conviced with his Considered deceision which we all Appreciate from the bottom of our Heart. Equally we are grateful to you, Sir, for informing us about this Noble Deed of Respected RBI Governer. Thank you.

[@hinduarmy921]

Loan settlement krane ka offer hai ....pahle loan to mile fir duba lu fir settlement hogi na ....kya sir jee aap to dube huye ko hi fir denge new Person ur company ko kab denge ....

[@MK-dp2cm]

No bank follow this...

[@harry-ne7fo]

❤RESPECTED SIR PLS. SIMPAL LABZO ME SIRF YE BATAYE KI .. WOH LOG JINHONE LOAN LIYA THA OR KISI REAL REASONS K KAARAN LOAN NHI DE PAYE OR JO AAJ BHI DENE KI CONDITIONS ME NHI H UNKE LIYE KYA FAYDA HUA H. JINKE LOAN CHULE HUYE BHI 6 7 YA 8 SAAL HOGYA HAI. PLS REQUEST WOH ZARUR BTAYE...

[@Aditya_gaming403]

25 % setlle ment amount ka aage sension hona chahiye,defoultero ka

[@sharadbabele8277]

Credit card settlement kiya tha aur personal loan mil jayega kya

[@MSMEHelpline]

No

[@sharadbabele8277]

@@MSMEHelpline phir konsa loan mil sakta hai hmko

[@Joygamingbgmi5462]

Oi parsonal loan app ko Paisa Dena parega Keya ??

[@deepakagarwal5367]

It is good that banks are helping wilful defaulters also but there is no provision to help first time entrepreneurs for their green field projects even if there are any such schemes it is not implemented Even the MSME helpline which boasts of helping new entrepreneurs has denied any help

[@starkbro7753]

Green filed projects are always risky. The person should be able to justify the end results and there should be strong vision then only the loan can be disbursed

[@deepakagarwal5367]

Yes like wilful defaulters the entrepreneurs should be able to justify the end (mis)utilisation of funds and have a strong vision to share the bounty

[@pravensingh4420]

सर आपसे बात करनी है कृपया कर समय दीजिए

[@rahulabgad1601]

सर जि आर हमे काहा मिलेगा

[@awasthiansh475]

Possible nhi hai...

[@Famousfoodshah]

सर , मे msme mitra हु मेने msme helpline apllication मे ४ file डाली है पर सर एक भी लॉगिन नाही करते है जल्दी और सिर गलत गलत बोलते है

[@SanjayJain-xn7yb]

Veri nice

[@GampanagGampaa-yl3gk]

Sir ji Aap ka video bahut rahaat mila hai please hamare viewer's ke liye important. Videos banate raho please

[@omsolarnanded]

सर मेरा राईट ऑफ है खेती पर मैने स्पिंकलर लिया था तो सेटल मैंट किया था 2012को अब मैं ने नया लोन लेने को देखा तो राईट ऑफ की वजह से दूसरा लोन मिल नहीं रहा है तो बाकी की अमाउंट में बैंक से भरना चाहता था लेकिन वह बोल रहे हैं एक लाख रुपये ऊपर हो गया है उसका ब्याज दर 14.60 कुछ तो अब मैं क्या करू

[@lokesh_shelar_businesscoac6825]

सर bank हमारी नहीं सुनता

[@kulbirsingh2006]

Sir good evening ❤ I can call you

[@itspiyush_23]

Sir reply plx 😢 mera axis credit card 15k ki limit thi 32k due ho gya sattle karaya 10k le rhe h uske baad bhi cibil se defaulter nhi hata rhe to kya me future me loan nhi le paunga? Help 😢

[@topten4982]

sir i took loan in 2012 complted btech in 2016 , in between my salary was very less was not able to pay the installments after 2-3 yrs, from 2017 started sending notice , then on 2019 filed civil case without any conversation with me , i was living outside my hometown in between , on 2020 i urged to bank to restructure the loan because then salary was good, manager said it cant be restructred , they said to sttle that , setttlement was last option so settled in lok adalat , now sir im preparing for state PCS and SSC CGL will there be any kind of issues in joining

[@swapnilbhadange8209]

Sir 15 k outstanding amount tha Due 55k But 30 ke settlement karne ka bola 30 k bharne ke baad bhi uno ne seetmelt nahi kya but uno ne

[@jitendrachaudhari2265]

Good disigion rbi.

[@RamaDevi0101]

Murder krne wala free ghumta hai but writ off Wale ko loan nhi Diya jata wah mere desh

[@pervaizmusharof4294]

Sir NBFC apps se multiple loan lia hau ab Repayment nahi kar pa raha hu . Sir 2 mahine due chal raha hai sir bahut call aate hai roj . Aur messages. Sir bahut dar lag raha hai bahut depression main chal raha hai jindegi kya karu kuch smajh nahi aa raha hai. Please suggest me if possible sir. Sir kya hoga kuch bataiye sir

[@moziburrhaman5448]

Amout 30000 Rs kcc loan in 2006 yr and that year flood hitted twise, and the bank doesnt agree to abide by as we placed the destructive scenarios phot in assam due to Brahmaputra rever, to settle on pay by capital.What shall i do?

[@rajabconstructionco.9973]

Very good information helpful and great advice and msme helpline useful valuable video thanks you God bless you always sir respected Mr Mukesh mohon gupta sir jai hind 🙏🇮🇳🇮🇳🙏

[@MSMEHelpline]

Thanks Sir

[@kamalharlalka2079]

It's a forward looking step

[@RamaDevi0101]

Kisi kaa siber crime ho gya aur kisi bhi bank kaa Paisa nhi lota sake aur Jin se udhar liye unhone 10/ ke hisab se loan Lena padaa sab kuchh khatam ho gya aur bank se difolter ho gye aa jivan sirf suiside layak h corona ke doran ummid thi ki loan 10 lakh Tak har bank maaf karegi but kuchh nhi huwa blki puncji paiyon k Paisa maaf huwa

[@awasthiansh475]

Aisa koi jio nhi aaya hai Bank me... jaisa aap logo ko Bata rahe hai... Agar aisa koi jio hota to 10% 15% kha kar kaam ho jata logo ka....?

[@vivekanandjha1679]

Sir Maine Tata pickup 407 liya 3 kist mujh par gir gaya tha meri gaadi samastipur bihar raste me gher le gaya mujhase 3 kist jama bhi kara liya easke baad 3 kist advanced ki maang karane laga jo mai nahi de saka to meri gaadi ko bech diya mai satalment nahi kiya khud se satalment kar mera cibil kharab kar diya kayee bhi bank mujhe loan nahi deta hai eas gaadi ko kharida karja lekar jiska natija hai ki karj badh gaya mujhe aatmhatya karane nougat aa gayee hai mai berojgar ho gaya hun.

[@abhi_editz_111]

सर मेरा१०साल का सेटलमेंट है लेकीन एज्युकेशन लोन नाही देते फिर क्या करना चाहिए

[@ramgarg3563]

Boss my education loan Wright off 2015 m h approx 8 year ho gaye cibil m Wright off aa rha h kya kare is ko hatane ke liye

[@MSMEHelpline]

Nahi hat sakta Sir

[@pradipyende9697]

Sbibank nemeraerikshakaloan nahi kiya maine bank loansettelement7saalhogaye sirf 15ooo settlement kiya bank loan nahi de rahi hai ab kya kare.

[@pradipyende9697]

Aap karava denge aap batavosbibank loan karo karake.

[@arpitchaudhary777]

Disijan to acha hi...lekin shree ram finence co..shetal nahi kar rahi hai...

[@RamMeena-cs3ki]

Sar Maine alarm settlement Kiya hai usmein dobara loan Lena chahta hun kya dobara loan mil sakta hai mujhe

[@babaiyermanispiritualandpo2062]

Superb daringly said.

[@sandeepdawar6519]

Sir mere papa ki death ho gyi thi or bank se personal loan liya tha 16 lac ka or ab bank waale pese mang re hai to loan settlement ho payega kya Agar kisi or ko bhi iske baare me knowledge to please reply kare hamari bhot jyada stithi kharab hai please reply kare😞😞

[@kishorjain2827]

Sirji rbi wale bolte he magar hdfc Bank wale bolte he hamara md 50 cr ke kam ac to dekhata hi nahi he or hamare ko power nahi he isliye ots kon karna ye problem 6year se aise hi he formality ke liye amicably settelment ka letter dalte he or baad me accept nahi he bol dete he sir ye mere sath 2 time ho chuka he or is case me mukeshji aapne khud bank walo se baat ki thi fir bhi abhi tak aise hi latak raha he maine md ko bhi letter dala officer misguide kar raha ye bhi writing me with document mail kiya fir bhi ots nahi ho pa raha agar aap ye samadya finance ministry diparment tak bhejne ki koshish karte ho to sayad ab ots ho sakta he pls koshish karke reply kare dhanyawad load 1.3cr ka secured tha

[@adithya2282]

Jo documents chahiye tha maine sab diya 10% dene ke liye ready hua apne paise bhi lagaye lekin phir bhi kuchh nhi hua Sab murkh banate h

[@rajeshwarprasad4130]

Sir Jharkhand me OBC/BC caste ko act CNT karan udyog ke liye bank girvi rakh kar loan nahi milta . Pade-likhe yuva kaise byosay kare.

[@kanchanbala4733]

Meri govt job hai par sir nhi dete loan .pvt bank ne 10% ka dobara full amnt bna kr npa kr ke mera cibil dhdam kr diya hai. Nhi dete bank wale

[@ARUNYADAV-db7vi]

Technical write off m time kitna milega sir ji

[@RaviThakur-mo3od]

Sir Gadi loan ki emi nh bhar pya or gadi bnk wale le gyi meri family condition achnk krb bhut ho gyi m emi nh de paa rha bnk ke gdi le jne ke bdh bhi paise ki Recovery ki jayegi ky ya civil m problem hoga pls jawab dijiye sir

[@gopalsuthar8926]

sair ji bilkul sahmat he sair RBI ki gaidlin sahi he es se jo log vayapari aur kisan ki notbandi aur lockdown ke baad halat kharb ho gai he log suside karne ko he sair to public ko 2. Saal ka samay de kar fir se jine ka moka milegae