A smart financial solution that allows borrowers to close outstanding loans with a single negotiated payment and move towards a stress-free financial future.
Negotiate with banks or NBFCs to settle your dues with a reduced one-time amount.
Avoid recovery pressure, notices, and unnecessary legal complications.
Resolve pending liabilities and gradually improve your future credit opportunities.
One Time Settlement (OTS) allows borrowers to close their loan by paying a negotiated reduced amount instead of continuing long-term EMI payments.
Full outstanding amount paid through EMIs over original tenure.
Reduced negotiated lump sum payment for full & final closure.
Overdue or stressed loan accounts with minimum repayment tenure completed.
Personal loans, credit cards, business loans and other secured/unsecured loans.
Immediate account closure, reduced financial burden and relief from recovery pressure.
One Time Settlement (OTS) is a powerful financial solution that helps borrowers reduce debt burden, avoid legal complications, and achieve complete loan closure faster.
Pay a negotiated reduced amount instead of full outstanding balance.
Settlement protects you from legal action and recovery harassment.
Stop accumulating interest and penalties with early closure.
Clear liabilities and plan your finances with peace of mind.
Follow this clear and simple OTS process to settle your personal loans or credit cards efficiently.
Review your outstanding loan amount, overdue status, and eligibility for OTS.
Reach out to your lender to inquire about the OTS offer available for your account.
Discuss and agree on a reduced amount for full and final settlement.
Obtain official confirmation of the agreed settlement terms from the bank or NBFC.
Pay the settlement amount and ensure your loan account is officially closed.
Follow these practical tips to ensure a smooth and successful loan settlement process.
Keep all necessary documents ready before starting the settlement process.
Start negotiation early to get favorable settlement terms.
Maintain polite and professional communication with the lender.
Seek professional guidance if required for better negotiation results.
Ensure a smooth One Time Settlement by steering clear of these common pitfalls.
Defaulting and approaching late, which reduces your chances of a favorable settlement.
Not getting written confirmation of the settlement agreement from the bank or NBFC.
Ignoring hidden charges or additional fees, which may increase your payout unexpectedly.
Find answers to the most common questions about the OTS process for loans and credit cards.
The minimum settlement amount depends on your outstanding loan balance and the bank or NBFC’s OTS policy. It is usually negotiated during the OTS process.
Yes, opting for OTS may temporarily impact your CIBIL score, but it can prevent further negative reporting due to defaults.
Yes, OTS is a negotiable settlement. Borrowers can discuss terms to get a reduced payout amount with banks or NBFCs.
The OTS process usually takes 30–90 days depending on the lender, documentation, and negotiation speed.
See how our clients successfully settled their loans via One Time Settlement (OTS) and regained financial freedom.
₹2,50,000 settled in 45 days
Successfully negotiated OTS for personal loan and closed the account without legal hassles.
₹1,80,000 settled in 30 days
Credit card dues were fully settled via OTS with reduced payout and written confirmation.
₹5,00,000 settled in 60 days
Business loan successfully closed using expert OTS negotiation and proper documentation.
Expert guidance ke saath apna NBFC loan abhi settle karein aur financial freedom paayein.