Loan Settlement and Closure: Legal Framework, OTS, and Document Release

01 How One-Time Settlement (OTS) Works: Step-by-Step Procedure and Legal Rules Read → 02 Loan Settlement Agencies and Scams: Unlicensed Operators and Borrower Risks Read → 03 MSME and Business Loan Settlements: OTS Schemes, CGTMSE Dues, and Guarantee Releases Read → 04 No-Dues Certificate and Document Release: RBI Rules, 30-Day Limit, and ₹5,000/Day Penalty Read → 05 RBI Compromise Settlement Framework: June 2023 Guidelines, Cooling-Off, and Rules Read → 06 "Settled" vs "Closed" in Credit Reports: The Long-Term Impact on Your CIBIL Score Read → 07 Tax Implications of Loan Waivers: Section 41(1), Section 28(iv), and the Mahindra Doctrine Read →