कागज़ात

One-Time Settlement (OTS) Proposal

एक नज़र में

कीमत: ₹99 · GST शामिल

₹99

GST शामिल

लॉन्च अवधि: अभी डाउनलोड मुफ़्त हैं। दिखाई गई कीमतें भुगतान शुरू होने पर लागू होंगी।

आसान सवाल, पूरा ड्राफ़्ट स्क्रीन पर, Word में डाउनलोड करें।

सभी कीमतें देखें

इन नामों से भी

OTS proposal
OTS request letter
compromise settlement proposal
full and final settlement offer to bank
settlement request letter
one-time settlement application
ek-musht samadhan proposal

दस्तावेज़ ख़ुद अंग्रेज़ी में है। भारत में इस तरह के काग़ज़ आमतौर पर अंग्रेज़ी में ही बनते हैं, और रजिस्ट्रार, बैंक या अदालत में वही शब्द पढ़े जाते हैं जो लिखे गए हैं — इसलिए यह मंच उनका अनुवाद नहीं करता। पन्ने की भाषा हिन्दी है; दस्तावेज़ की भाषा अंग्रेज़ी।

क्या यह यहीं भरा जा सकता है

यह यहीं भरा जा सकता है

यह दस्तावेज़ आप इसी साइट पर भर सकते हैं, और कुछ भी तय करने से पहले पूरा मसौदा स्क्रीन पर पढ़ सकते हैं। यह ध्यान से तैयार किया गया प्रारूप है; आपके अपने हालात पर दी गई सलाह नहीं।

इसे भरना शुरू कीजिए

क्यों ज़रूरत पड़ती है

कब ज़रूरत पड़ती है

For when you're behind on a loan or credit card, can't clear the full dues, and want to offer the lender a lump sum (or short series of payments) to close the account — for a bank, HFC or NBFC facility in your own name. Two warnings first. Limitation: if your last payment or written acknowledgement was over three years ago, stop — signing this can revive a dead claim, and 'without prejudice' doesn't reliably prevent that; get a lawyer to check the dates. Credit record: an accepted OTS reports as 'settled', not 'closed' — worse than a late-payment history, staying on record for years (bureaus set their own retention; no RBI rule fixes one). Use an OTS only when you genuinely can't pay in full — ask for restructuring, a moratorium or a lower EMI first, and try to get the lender to agree in writing to re-report as 'closed' if you later pay the waived amount (paragraph 10 asks for this). Get the sanction letter to state, before you pay: the exact settlement amount and payment dates, a No Dues Certificate and release of security/documents/every registered charge, discharge of any guarantor, withdrawal of recovery proceedings, and the exact bureau-reporting wording. If there's no response, escalate in writing: the branch/recovery office, then the lender's Principal Nodal Officer (bank/NBFC) or Grievance Redressal Officer (HFC), then — for a bank or covered NBFC — the RBI Ombudsman under the Reserve Bank – Integrated Ombudsman Scheme, 2026 (in force 1 July 2026, replacing the 2021 scheme; file free at cms.rbi.org.in or call 14448, after a 30-day wait and an unsatisfactory or no reply, within 90 days). Housing finance companies are excluded from that Scheme — their route is the Grievance Redressal Officer, then the National Housing Bank (paragraph 12 picks the right one). Neither forum can force acceptance, but both can act on a lender that never replied or reported wrongly. Keep proof of delivery — a receiving stamp, registered post with acknowledgement, or email. Not covered: a company/LLP/partnership borrower, a deceased borrower's account settled by heirs, an insolvency-moratorium account, a guarantor settling alone, or a restructuring request instead. If fraud-classified or a named wilful defaulter, see a lawyer first.

स्टाम्प ड्यूटी, रजिस्ट्री और गवाह देखें

नीचे इस तरह के दस्तावेज़ की सामान्य स्थिति दी गई है। रकम उस राज्य के हिसाब से तय होती है जहाँ प्रॉपर्टी है, और वह बदलती रहती है — इसलिए कुछ भी भरने से पहले अपने राज्य का आँकड़ा सब-रजिस्ट्रार दफ़्तर से पक्का कर लेना ठीक रहता है।

स्टाम्प ड्यूटी

None — a proposal creates/transfers/extinguishes no right, so nothing in Schedule I or State Stamp Acts charges it; plain A4 paper. Article 1's nominal debt-acknowledgement duty doesn't apply (paragraph 7 is a promise to pay, which Article 1 excludes); not an agreement (no Article 5) or witnessed (not a 'bond', s.2(5)). What comes later — a settlement deed, or a mortgage reconveyance/release — is chargeable at the State's rate.

रजिस्ट्री

Not possible — the Registration Act, 1908 doesn't reach a proposal letter. Relevant only after payment: the mortgage discharge may need registering; a CERSAI/ROC charge needs separate satisfaction.

नोटरी

Not required — adds cost and can look like a formal admission. Some lenders separately want a notarised affidavit of assets/means — a different document; give it only if asked, and read before swearing.

गवाह

None — staying unattested keeps it from being a 'bond' (s.2(5)), avoiding bond duty. What matters: proof of delivery — a receiving stamp, registered-post acknowledgement, or delivery report.

इस दस्तावेज़ पर वकील से बात करें₹3,539 GST सहित (₹2,999 + 18% GST), प्रति दस्तावेज़स्टाम्प पेपर का अनुरोध करें

Sample preview — placeholder answers, not your data

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WITHOUT PREJUDICE

Date: 7 April 2026
Place: Pune

FROM
Rahul Deshmukh
X
Mobile: X
Email: X
PAN: ABCDE1234F

TO
The Branch Manager
State Bank of India
Kothrud Branch, Pune
X
Email: X

SUBJECT: LOAN ACCOUNT NO. X - Home Loan in the name of Rahul Deshmukh - PROPOSAL FOR ONE-TIME SETTLEMENT

Sir / Madam,

I am the borrower in the Home Loan account bearing account number X, serviced through your Kothrud Branch, Pune office. The account is held jointly with X as co-borrower. In this letter, "the Lender" means State Bank of India. I write to place before the Lender a proposal for a one-time settlement of this account, and I request that it be put before the authority competent to decide it under the Lender's board-approved settlement policy, framed in terms of the Reserve Bank of India (Framework for Compromise Settlements and Technical Write-offs) Directions, 2023 dated 8 June 2023, or the equivalent policy applicable to the Lender.

Particulars of the account.

Borrower: Rahul Deshmukh
Co-borrower: X
Guarantor: X
Facility: Home Loan
Loan account number: X
Date of sanction: 1 April 2026
Amount sanctioned: ₹25,000 (Rupees Twenty Five Thousand only)
Total repaid by me to date: ₹25,000 (Rupees Twenty Five Thousand only)
Dues as on 2 April 2026, as per the Lender's records:
Principal outstanding: ₹25,000 (Rupees Twenty Five Thousand only)
Interest outstanding: ₹25,000 (Rupees Twenty Five Thousand only)
Other charges: ₹25,000 (Rupees Twenty Five Thousand only)
Total claimed: ₹25,000 (Rupees Twenty Five Thousand only)
Security held by the Lender: Equitable mortgage by deposit of title deeds of Flat No. 402, Shreeram Residency, Survey No. 118, Kothrud, Pune 411038. The Lender holds the original registered sale deed dated 12 March 2018, the index II and the original share certificate.

Repayment record and default. I serviced this account until 3 April 2026, when I missed the first instalment. I understand the account was classified as a Non-Performing Asset on 4 April 2026. The recovery steps taken by the Lender so far, as known to me, are these: A demand notice under section 13(2) of the SARFAESI Act, 2002 dated 4 January 2025 for Rs. 41,80,000, and a possession notice under section 13(4) affixed on the property on 19 May 2025. I have also received a notice dated 2 February 2025 under section 138 of the Negotiable Instruments Act, 1881 in respect of a cheque of Rs. 34,000. Pending consideration of this proposal, I request that no further step be taken in those proceedings. I also request that I be informed of the last date on which I may redeem the security under section 13(8) of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002, where that Act applies to the steps taken. I do not dispute that the account is in default. What I am not in a position to do is pay the full amount claimed.

Why the default occurred. In short: loss of employment when my employer shut its Pune unit in March 2024.

I worked as a production supervisor with Vinayak Auto Components Pvt. Ltd. for nine years. The Pune unit shut on 28 February 2024 and my employment ended on 15 March 2024. I received one month's salary in lieu of notice and nothing else.

I serviced the EMI from savings for four months and then could not. I have taken contract work since August 2024 but it pays about 40 per cent of my earlier salary and is not regular. I sold my wife's jewellery in November 2024 and paid Rs. 1,20,000 into the account. I have not been able to pay since.

My present position.

My present income is about Rs. 22,000 a month from contract work, with no fixed salary. My wife earns about Rs. 9,000 a month from tuition. We support two school-going children and my mother, who needs regular medication.

My other obligations are a two-wheeler loan with an EMI of Rs. 2,800 (eleven instalments left, current) and a credit card outstanding of about Rs. 48,000. Apart from the mortgaged flat, I own no immovable property. I have no fixed deposits, no investments in shares or mutual funds, and my provident fund balance is about Rs. 1,60,000.

इस दस्तावेज़ के साथ अक्सर ये भी चाहिए

होम लोन, बंधक और प्रॉपर्टी पर कर्ज़ पर वापस