Loan NPA ho chuka hai aur bank OTS (one-time settlement) ki baat kar raha hai? Pehle jaanein ki bank kitne mein maan sakta hai, upfront kitna dena hoga, aur settlement ka CIBIL par kya asar hoga. Neeche apne numbers daalein — free, no login.
Loan OTS (One-Time Settlement) Estimator
Account already NPA? Estimate how much a bank may accept to settle, how to pay it, and what it does to your CIBIL — before you talk to the branch. NPA लोन का सेटलमेंट — बैंक कितने में मान सकता है।
Free estimate, not an offer. Each bank has its own board-approved OTS policy; percentages here follow a published MSME settlement scheme (sub-standard 60–85%, doubtful 45–75%, loss 40–50% of dues + simple interest) and the common rule that the amount is generally not below the realisable value of security. RBI’s June 2023 framework allows compromise settlements with a cooling period of at least 12 months before fresh loans from that lender. Last checked 3 Oct 2026.
OTS amount kaise tay hota hai
- Base dues = NPA ki tareekh ka bakaya + uske baad ka simple interest (aksar MCLR / base rate ke aas-paas) − NPA ke baad bhara paisa.
- Account ki category: NPA ke 12 mahine tak sub-standard, uske baad doubtful, aur bank ne loss maana ho toh loss. Jitna purana NPA, utna kam % aam taur par.
- Security: bank aam taur par girvi rakhi property / machine ki forced-sale value se kam nahi leta.
- Har bank ki apni board-approved OTS policy hoti hai — percent alag ho sakte hain.
Ek published MSME settlement scheme ke percent (example)
| Category | Security dues cover karti hai | Security + net worth | Security kam (dues ≤ ₹10 lakh / > ₹10 lakh) |
|---|---|---|---|
| Sub-standard | 85% | 75% | 60% / 70% |
| Doubtful | 75% | 60% | 45% / 55% |
| Loss | — | — | 40% / 50% |
Ye percent base dues par hain. Payment: aam taur par 25% turant aur baaki 3 mahine mein; kuch bank 3 mahine aur dete hain interest ke saath.
Settlement ke baad kya hota hai
- CIBIL mein loan “Settled” dikhta hai, “Closed” nahi — naya loan kai saal mushkil.
- RBI ke June 2023 framework ke anusaar compromise settlement ke baad us bank se kam se kam 12 mahine (non-farm) naya loan nahi.
- Aakhri payment ke baad No Dues letter, property ke kaagaz aur CIBIL update zaroor lein.
- Maaf hui raqam ka tax asar ho sakta hai — CA se poochhein.
Galtiyan jo log karte hain
- Zubani baat par paisa dena — hamesha likhit sanction letter lein.
- Installment miss karna — zyadatar schemes mein OTS cancel aur poora bakaya wapas.
- Agent / “settlement expert” ko cash dena — paisa sirf loan account mein.
- NPA hone se pehle hi settlement ki soch — 90 din se pehle overdue bharna kahin sasta hai.
Aksar pooche jaane wale sawaal
Loan settlement mein bank kitna maaf karta hai? Koi fixed rule nahi. Ek published MSME scheme mein sub-standard account par 60–85%, doubtful par 45–75% aur loss par 40–50% dues lekar settlement hota hai. Security ki value se kam aam taur par nahi.
OTS ke baad CIBIL score ka kya hota hai? Loan “Settled” status ke saath report hota hai, jo naye lender negative maante hain. Baad mein maaf hui raqam bhar kar “Closed” karwa sakte hain.
OTS ke liye kitna upfront dena padta hai? Aam taur par settlement amount ka 10–25% application ya sanction ke saath, aur baaki 3 mahine mein. Bank ki scheme ke hisaab se badalta hai.
Settlement ke baad naya loan kab milega? RBI ke June 2023 framework ke anusaar us bank se kam se kam 12 mahine (non-farm) ka cooling period hota hai. Doosre bank CIBIL dekh kar faisla karte hain.
Kya OTS ka paisa installment mein de sakte hain? Kai banks 3 mahine (kabhi 6 mahine interest ke saath) mein dene dete hain. Installment miss hua toh OTS cancel ho sakta hai.
Free guide, bank ki advice nahi. Sources: published bank MSME OTS policies (Karur Vysya Bank, IDFC FIRST Bank) and RBI Framework for Compromise Settlements and Technical Write-offs (8 June 2023). Final amount bank tay karta hai. Last checked 3 Oct 2026.
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