RBI rules: read the RBI guidelines on loan settlement and recovery
  • Already in force: lenders and recovery agents must not call you for overdue loans before 8 AM or after 7 PM
  • Credit report correction not done within 30 days of your complaint? You get ₹100 for each day of delay
  • Recovery agents must not threaten, humiliate or harass you, your relatives, friends or co-workers
  • From 1 Jan 2027, banks must also tell you the recovery agency’s details at least one day before its first visit
  • From 1 Jan 2027, banks must list their recovery agencies on their website
  • Lenders agree settlements under their own Board-approved policy; it is not an automatic right
  • After a compromise settlement, lenders wait at least 12 months before lending to you again (non-farm loans)
  • No reply from your bank in 30 days, or unhappy with it? You can complain to the RBI Ombudsman at cms.rbi.org.in
Debt SupportEXPERT

Check Your Loan Settlement Eligibility

Two short steps about your loans and recovery calls. Our team calls you to explain which options may apply. Debt Support Expert is a loan settlement consultancy. We do not issue loans, credit cards, or refinancing.

  • About 30 seconds
  • No credit check, no CIBIL impact
  • You decide every step

Check your options

Step 1 of 2

About your loans. Takes 30 seconds. No OTP, no PAN.

Loan type (choose all that apply)
Getting recovery calls or harassment?

We are a debt consultancy, not a lender. Prefer to talk? Call +91 79797 89458.

Working hours: Mon–Fri, 9:00 AM–5:00 PM IST. Prefer numbers? Try the settlement calculator.

Questions about eligibility

Who is usually eligible for loan settlement?

Lenders usually consider settlement only when there is genuine financial hardship, such as job loss, a business loss or a medical emergency, and the account is already overdue. Each bank or NBFC follows its own board-approved policy, so there is no fixed eligibility rule and no borrower has a right to a settlement.

Does this check guarantee a settlement?

No. It is general guidance from your answers. The lender decides whether to settle and for how much. We do not promise any waiver or outcome.

Will checking my eligibility affect my CIBIL score?

No. Answering these questions does not run a credit check and nothing is reported to any credit bureau.

What happens after I submit my number?

Your answers are saved safely and someone from our team reads them. We call or message you on WhatsApp in working hours to talk about your options. It is your choice whether to go ahead.

Read more: personal loan settlement · credit card settlement guide · what happens after a default

Before you trust anyone with your case

How we work, and what we will never do

What we do

  • Review your loans, dues and income with you
  • Explain the options that may suit you: a lower EMI plan, a payment plan, or loan settlement
  • Help you write your reason for not being able to pay, and collect documents
  • Help you talk to your lender and read any offer in writing
  • Explain what recovery agents may not do, and how to complain

What we don’t do

  • Give loans, credit cards or refinancing
  • Collect your settlement money. You pay your lender directly
  • Promise a waiver, a settlement amount or any result. The lender decides
  • Ask you to stop paying EMIs that you can afford

Debt Support Expert is a loan settlement consultancy. We do not issue loans, credit cards, or refinancing.

The lender decides any settlement.

Fees depend on your case and are explained clearly before you decide to proceed. The information on this site is general information, not legal advice for your case.

Read our full process, terms and disclaimer and privacy policy.