Stop the recovery calls.
Settle your loan with dignity.
Debtrix negotiates directly with your lender, shields you from recovery-agent harassment with evidence the law respects, and shows you every step in a private case room. No shame. No hype.
- Free assessment · 10 min
- Your data never reaches a lender without written consent
- Settlement money goes to the lender, never to us
Quick eligibility check
Three questions. No phone number needed.
Settlement desks we engage across India
HDFC Bank
ICICI Bank
State Bank of India
Axis Bank
Kotak Mahindra
IDFC FIRST
Punjab National
RBL Bank
Bajaj Finserv
Yes Bank
IndusInd
Federal BankHDFC BankICICI BankState Bank of IndiaAxis BankKotak MahindraIDFC FIRSTPunjab NationalRBL BankBajaj FinservYes BankIndusIndFederal BankDebtrix is an independent consultancy — not affiliated with any lender. Names shown only to indicate banks we commonly negotiate with.
¹ Methodology: cases where client received written settlement confirmation. Figures reflect our internal records; individual outcomes vary by lender, loan type, and case history. Settlement is always at the lender's sole discretion.
What we do
Every debt situation has a lawful way out
Pick the situation that sounds like yours — each service page shows the process, the timeline, and exactly what we charge.
Flagship
The Anti-Harassment Service (AHS)
A unique call-forwarding number routes recovery calls to our experts. We identify the caller, log the violation with its RBI citation, and escalate with evidence.
- 01
Sign up for AHS
Enroll from any page or your dashboard.
- 02
Get your unique number
Your dedicated AHS forwarding number, issued same day.
- 03
Set up forwarding
Carrier-specific steps take under 5 minutes.
- 04
Calls route to experts
Every recovery call reaches our team, not you.
- 05
Experts intervene
Violations logged with RBI citations; we act on them.
- 06
Resolution in parallel
Your settlement case keeps moving underneath.
Proof, not promises
Settlement letters from closed cases
Illustrative placeholders while our first verified batch publishes — every letter is consented, redaction-safe, and checksum-verified.
Client voices
Settled, with dignity
Verbatim, consented stories — swipe or use the arrows.
“I was getting 15+ calls a day from recovery agents. Debtrix stopped the calls within 48 hours and settled my credit card dues at 55% waiver. Their AHS call-forwarding was a game-changer.”
The process
Five steps, honestly timed
- 1
Assessment
TodayFree, confidential, ~10 minutes. Same-day callback if you're hot-flagged.
- 2
Documents & verification
Days 1–7Secure uploads; our team verifies within 24 hours.
- 3
Strategy & savings plan
Days 7–14Target waiver set; savings tracker opened.
- 4
Negotiation
Weeks 2–10We negotiate directly with your lender. You track everything.
- 5
Settlement & closure
Final weekYou pay the lender directly. NOC verified and archived.
Questions
What borrowers ask us first
What is loan settlement?
Loan settlement is a process where you negotiate with your lender to accept a reduced amount to close your loan account permanently, instead of paying the full outstanding balance.
How does the settlement process work?
After you apply, we assess your case, submit documents to your lender, and negotiate the best possible waiver. Once agreed, you pay the settled amount directly to your lender and receive a No Objection Certificate.
Is loan settlement legal in India?
Yes, loan settlement is a legally recognized practice in India. Banks and NBFCs have settlement policies, and RBI guidelines also recognize it as a resolution mechanism.
How much can I save with settlement?
Typical settlement waivers range from 30% to 70% depending on your loan type, outstanding amount, payment history, and lender. We aim for the maximum possible waiver.
Will settlement affect my credit score?
A settled loan is reported to CIBIL as 'Settled' rather than 'Closed'. This may impact your credit score for up to 3 years, but it is significantly better than continued default or legal action.
Do I need to pay anything upfront?
We charge a transparent onboarding fee (default ₹3,000) for case setup and documentation. This fee is quoted before you sign any agreement. The settlement amount is always paid directly to your lender — never through us.
The call is free. The stress isn't. Start today.
Ten minutes now can end months of calls. Begin your confidential assessment — no obligation, no pressure.