From a Re-loaning Cycle to a Structured Repayment Plan
A salaried professional whose entire monthly income was being consumed by repeated re-loaning, until two re-loan options stopped and collection pressure began.
Stress indicator
Severe pressure
Loan burden
Approx. ₹5.5 lakh in monthly loan obligations
Time to stabilization
About 19 days
The situation
- Annual salary of approximately ₹12.5 lakh.
- Monthly loan obligations of approximately ₹5.5 lakh.
- Family was unaware of the situation; the customer lived away from home with his wife and a young child.
- Repeated re-loaning had become the usual way to manage earlier loans.
- Two re-loan options stopped being available, after which defaults and collection pressure increased.
- The customer reported severe emotional distress and felt there was no way forward.
Why this case was difficult
The SETTRIX approach
SETTRIX provided a consultation, then supportive planning that involved the customer's wife so the household could plan together. Lender communication was carried out where the customer authorized it, and we worked toward EMI arrangements. Some lenders cooperated directly, while others required formal escalation.
How it progressed
Day 1
Free consultation; the full lender list and monthly obligation were mapped for the first time.
Days 2–5
Household planning session; realistic monthly capacity agreed and written authorization taken.
Days 6–14
Lender-by-lender communication. Cooperative lenders moved to EMI arrangements first.
Days 15–19
Formal escalation with the remaining lenders; structured repayment path finalised.
Key intervention
Bringing the customer's wife into the planning conversation changed the case. Once the household could see the full picture together, a realistic monthly figure could be committed to and defended with every lender.
Outcome
Collection follow-ups reduced to virtually zero after the relevant lenders were engaged and a structured repayment arrangement was established.
Within approximately 19 days the customer had a structured repayment path and significantly reduced collection-call pressure. He continues making the agreed payments and reports improved peace of mind.
The customer's situation afterwards
The customer now pays a single agreed amount each month, the household plans together, and phone calls are no longer a source of daily fear.
This is an anonymized case study based on a reported customer situation. Details have been generalised to protect privacy. Individual circumstances differ, and every case is handled on its own facts.
Every case is handled lender by lender
Tell us about your loans in a free consultation and we will explain what a structured approach would involve.