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Last Updated On 10-Jul-2026
Banking

Write off loan realted

Mene 2010 me sbbj bank se education loan 144000 rs ka loan liya tha or jab meri 2014 me job lagi to mene 5000 rs ki emi ke rup me 2015 april se 2016 tak mene 60000 rs mene chuka diye phir kuch majboori was me agle ek sal tak me rupess chuka nahi paya phir bank ne us account npa me phir writeoff kar diya lekin account abhi bji open hi aa raha hai or me aaj ki date me due to this me koi loan nahi le pa raha hoon to is case me mene jab bank se bT ki to unhine bataya ki apke 93000 rs ka amount pending hai or us pe agar ise aap chukana chaho to is per 10 sal ka compounding interest lagega or apko hum noc denge kab app pura pay kar doge to lekin Cibil me account close yeh humari call nahi hai or waha write off ka remark hi ayega to me is case me janna chahta hoon ki is bare me RBI KI KYA guideline hai agar write off kiya gaya loan close karaya jaye to us or uspe interest kis rate or konsa wala compute hoga.

( Chittorgarh, Rajasthan )

08-Jul-2026

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Dear Client

A write-off is primarily an accounting entry by the bank and does not extinguish your liability unless the bank expressly waives or settles the debt. There is no RBI guideline prescribing a uniform rate of interest to be charged after a write-off; the applicable interest will generally be governed by the loan agreement, the bank’s policies, and any settlement reached with the bank. Upon full payment or settlement, you may obtain a No Dues/No Objection Certificate from the bank, but the bank cannot ordinarily compel a credit bureau to delete an accurate historical “written-off” remark. The credit information may, however, be updated to reflect that the dues have subsequently been paid or settled.

You may consult a local lawyer or advocate for advice based on the specific facts and documents of your case.
Posted On 10-Jul-2026
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