--- title: 'Personal Loan Tips 2026 | Personal Loan Tips in Malayalam | Personal Loan Tips' source: 'https://youtube.com/watch?v=YSDK-NLP5C8' video_id: 'YSDK-NLP5C8' date: 2026-07-31 duration_sec: 603 --- # Personal Loan Tips 2026 | Personal Loan Tips in Malayalam | Personal Loan Tips > Source: [Personal Loan Tips 2026 | Personal Loan Tips in Malayalam | Personal Loan Tips](https://youtube.com/watch?v=YSDK-NLP5C8) ## Summary This Malayalam video offers practical advice for personal loan borrowers facing repayment difficulties. It covers the 90-day NPA timeline, bank recovery procedures, the impact of loan settlement on CIBIL scores, and borrower rights against recovery agents. The central message is to communicate early with your bank and plan financially to avoid long-term credit damage. ### Key Points - **90-Day Rule: NPA and Recovery** [00:32] — If an account is delinquent for 90 days, it becomes a non-performing asset (NPA). Calls begin after 30 days, and once NPA, banks start recovery procedures, also causing your CIBIL score to drop. - **Banks' Legal Procedure** [00:57] — The recovery sequence includes calls/visits, reminders, an official demand notice, and finally legal action via a lawyer if the borrower still doesn't pay. - **Settlement Reduces CIBIL Score** [01:41] — Settling a loan for a reduced amount shows as 'settled' in CIBIL and lowers your score, making future loans difficult to obtain. - **Build a Relationship with the Bank** [03:04] — Maintaining a good relationship with the bank or branch manager allows you to negotiate better terms and get deals when you're in trouble. - **Request More Time or Restructuring** [03:43] — Banks can offer more time or restructure your loan, but only if you communicate the reason for non-payment and show you have revenue or resources. - **Penalties Multiply Debt** [05:49] — Missed payments attract penal interest, check bounce charges, and interest-on-interest, turning a small overdue amount into a huge liability. - **Know Your Rights Against Recovery Agents** [06:23] — Recovery agents cannot threaten you. They can only call between 8:00 am and 7:00 pm. If harassed, record evidence and file a complaint through the bank's portal/app. - **Financial Crises Are Temporary** [08:09] — With proper planning and focus on increasing income, financial difficulties can be overcome. Bank notices should never be ignored. ### Conclusion The video underscores that financial stress from personal loans is manageable if you act early, communicate with the bank, and don't ignore notices. The key takeaway: never default silently — negotiate, know your rights, and plan your way out. ## Transcript personal loan for various purposes. If you action, but there is no dispute. To avoid such legal action, you just need to pay attention to five things. Let's attention to five things. Let's are watching the video for the first time, subscribe to the channel. If you as notifications on your mobile . understand what is going to happen. If the account is delinquent for 90 days, it will become an NPA. After 90 days, banks will begin recovery procedures. The begin recovery procedures. The These are the things that happen for the first time. 90 days in arrears. The call will come after 30 days And after 90 days, there is no other way out . It became NP. Once it becomes NP, start recovery proceedings. That's what will cause your CIBIL score to drop first. Let's understand the legal procedures of banks. First notices and calls will be followed by reminders and then an official demand notice will be sent. They will call us first. Sometimes comes to our house and sees us. We will call and see if they answer. Or we don't mind calling the bank, they will come home After all this, they will officially send the letter . The demand notice will be made official directly sent. I will send it that way. After that, we will incident. If you still don't pay or don't do anything, I will take legal action. The lawyer you just need to give a little interest . Then you will be given an adjustment . So, once this settlement is done, the settlement will show in our CIBIL, and our CIBIL score will decrease Our CIVIL score always goes down after we go to settle a loan. They always goes down after we go to settle a loan. They the bank recovers the money through settlement from the person who is unable to pay, this will He will be careful when taking out the next loan. If go to take a second loan from ICC, you will think that this person gave a similar loan to someone in the past and built this bank . So we decided not to give him a loan for our work. Then many people think that settlement is an easy task, it is very simple. Anyway, it has think, "Happy, it has happened." So, I have a friend who took a loan of about one lakh and it reached three lakhs and finally got a settlement. He settled the This loan will always be there, and this amount will remain reality is that this is a benefit for us. It is an obvious benefit. But a disadvantage is that it will us. It is an obvious benefit. But a disadvantage is that it will look at the solutions. I not even be able to take out a loan? How many times have I Think sent notices to my house at the bank? Then go to the bank with the notice and I will approach you immediately taking a phone call from the bank . Even if it's just for fun, I always bring a relationship with them . They just talk about things, get to know each other, and do things like that. We always need it. When we say bank, it is So always build a relationship with the bank. Speak. we can always have a good deal. Then, few things for us . Can you give me more time? You . Can you give me more time? You Banks can do this in many ways. This is something that many people don't know. We can do a lot for the bank. If we want to do all that, Even if you can't pay, the bank must know the reason. The will know what skills we have. So what resources do we have? There is revenue. So sometimes some people may not be able to pay in a month or two. situation comes to those two months, bank gains confidence, they can . So those are all . Even if BM adjusts and stops us, the branch manager will be firing is a one-and-a-half firing. What we don't know is that he never did that in front of BM. experiencing, we won't be able to live. And then a big firing like that comes from the bank's head office. They get calls. There Many bank managers have resigned from their jobs, unable to even move forward in life . That's the . But they have a bigger problem than that. If it's up to them, come back many things. You get a transfer, you get a penalty transfer. . situations. That's why bank. So the first thing is to talk. I already said two loan restructurings . I can do that. BM can do it. If they communicate with you, they will All this can only happen if we communicate. But if we go there one they won't be able to do anything about it. They will say that it can't be done. The They will say that it can't be done. The cost penalty. The huge liability is doubled due to the penal interest light fee. becomes pending, they add various programs like this check bounce charge, penalty, interest on top of interest, etc. A becomes a huge amount. For example, if you don't large fee. Even if you miss a payment by one day, there is a escape, you can do it. But this cause many problems in our lives later . Later, . Later, will see us as such a person. ODSS is performed, it will be recorded as civilly settled . You have accurately mentioned that it will be difficult to get a loan in the future . Next, your rights. Recovery agents have no right to threaten you. You understand that. You may only be called between 8:00 am and 7:00 pm . After that, there is no right to call at 10 pm or 9 am. In case of persistent harassment, persistent harassment, recording, what you said, what you did, you have to do all this. And there should Still, the phone rang me. I have said this. This complaint is something I have experience with . I always get a call like this one night. I told him when the call came in. saw BM in person today during the day. I'm coming after seeing BM. It's something we need to tell someone after seeing it. So in cases like this, we should always file a complaint . The people making these calls have no . The people making these calls have no the number like this within that portal or within an app . Please call. A few of his Call it. That's the recovery team. Another know what happened to them or what happened after that. How many days of data are data is from the last five days, sometimes it's from today. We should call you later. I'll call you again after all the problems are resolved. There will be many situations like this. We don't need to say anything more about it . Next, things to remember. Financial crises are temporary. He can overcome it with proper planning. Bank notices should never be ignored. You may be wondering why this economic . All you have to think about is increasing your income . No matter how big the problems are, no matter how much financial hardship we face, even if we feel like we don't have a penny left, let's thinks about an opportunity . No matter how much responsibility comes, let's So many people in my hometown debt. How can you afford to pay such a large amount every month? Then they all thought, "This is someone who seems like a miracle to them." How is he going to pay such a huge EMI? think that it has been closed like this for some time. Accurate plan. We have proper planning. put it and then continue? Where will the break be? It chance or probability of a break in these places or if there is ? So, our success lies in creating each incident ourselves, creating it virtually, and then creating a solution for what to do when those incidents occur. So, what can we do only after creating all this? We should Again, there is no dispute that financial crises are temporary and can be overcome easily with proper planning. There is no doubt that temporary and can be overcome easily with proper planning. There is no doubt that share the video on WhatsApp right now. Give your valuable comments and suggestions in the comment box. Like the video and share it with others. Another great video, Ye Ka Bai [Music]