किसी भी बैंक लोन EMI को कैसे RESTRUCTURING में कन्वर्ट करें. RBI कोविड 19 रिसोलुशन फ्रेमवर्क। RBI RESOLUTION FRAME WORK FOR COVID-19

किसी भी बैंक लोन EMI को कैसे RESTRUCTURING में कन्वर्ट करें. RBI कोविड 19 रिसोलुशन फ्रेमवर्क।

 RBI RESOLUTION FRAME WORK POLICY FOR COVID-19 -

                                                                                                    नमस्कार दोस्तों जैसा की आप लोग जानते हैं RBI ने कोविड १९ के तनाव को दूर करने के लिए ०६ अगस्त २०२० को अपनी मोनेटरी पालिसी मीटिंग में लोन के पुनर्गठन को लेकर RBI ने अपना रिसोलुशन फॉर फ्रेमवर्क की पालिसी को सबके सामने लेकर आया था ताकि जितने भी उधारकर्ता को इस महामारी के दौरान किसी भी तरह के लोन में यदि कोई समस्या आई है तो वह अपने लोन को पुनर्घटन करवा सके ताकि लोन भरने में आसानी हो जाए। 

                                                                                      RBI  के इस रेसोलुशन फॉर फ्रेमवर्क की पालिसी में यदि आप अपने किसी भी लोन को RESTRUCTURE करवाते हैं तो आपको इसमें २ साल तक का मोरेटोरियम भी मिल सकता है या फिर आपके लोन EMI की क़िस्त को कम भी करवा सकते हैं लेकिंग इस पालिसी के पब्लिश होने के बाद लगभग सभी बैंक अपने ग्राहक को लोन की पुनरगठन नहीं कर रहे हैं. दोस्तों यहाँ पर हमारा एक छोटा सा प्रयास है की सभी लोगो को लोन की रिस्ट्रक्चरिंग का फायदा मिल सके। 

आपको नीचे लिखी एप्लीकेशन को अपने बैंक और NBFC कंपनी को मेल करना है और साथ में बैंक/NBFC कंपनी के नोडल अफसर को भी CC में रखना और साथ में RBI को भी। 

                                                              APPLICATION FORMAT 


Hello

Senior Management Team,


Hope you are safe and doing well.

                                                                                  It has to be informed with great sadness that I have lost my Business and other income sources due to COVID-19 lockdown. As of now I do not have sufficient funds to clear my EMI. I know it will become overburden on me only, but I have no other option as of now. As you all know that this is not a normal epidemic, it is a global epidemic which is all over the world and not only in India.

                                                             I had never backed off from paying the dues that I am entitled. But this is one case which is an exception.Now I am looking forward to the opportunities to start my business very soon. Please try to understand my hard time and bad situations and help me out from it.

                                                                   As per "RBI circular on Resolution Framework for Covid-19 dated 6 August 2020 that provided for a limited time window for resolution of stress of certain categories of borrowers affected by the Covid-19 pandemic", I request you to please provide me EMI moratorium extension for 1year or 2 year Restructuring,to handle my bad situations. I am trying with my level of best to come over from my bad time.

                                                       Meanwhile also I am trying to get funds from anywhere at any cost.  so that I can pay the amount (YOUR BANK NAME HERE)

kindly Understand my situation..... It's my humble request to you.


Regards,

NAME-......................................

LOAN ACCOUNT NUMBER-.....................................

BANK-................................................................


                                      YOU CAN DOWNLOAD THIS APPLICATION IN NOTEPAD

                                                                         

                                       Please download this application and mail to your bank and NBFC and always remember one things when you mail your concerned bank or nbfc company please also use RBI official mail id in cc option .RBI official mail id- 
                                                           rdnewdelhi@rbi.org.in 
                                                           cms.boahmedabad@rbi.org.in
                                                                        cms.bonewdelhi1@rbi.org.in
                                                                        cms.bonewdelhi2@rbi.org.in
                                                                        cms.bonewdelhi3@rbi.org.in

Thanks for reading this articale,Your friends Vikram Sharma 


                                                                                              

Post a comment

12 Comments

  1. Hi sir....I am suffer very hard this time.. please help me...my name is harhad Suresh jadhav staying from Mumbai...sir me ne 1 lakh rupees 15 Feb se byaj par liya tha...aur lockdown ke wajah se me return nahi karpaya...but me ne 40000 ruppes pichle mahine use interest diya fir bhi woh shaks muzse 250000 rupees aur mang raha hai....unhone lockdown ka bhi interested lagaya hai... please sir help me...mere pitaji nahi hai...me delivery boy job karta hu...aur itni badi amount me kaisa pay karunga 100000 ka me 300000 kaise dunga sir... please some guide me.....

    ReplyDelete
    Replies
    1. Aapka byaj dekhkar lagta hai ki aapne kisi private lender se 1 lakh rupay karj liya hai to aap use first to convince kro apni problem btao lekin phir bhi nahi manta to usse kaho aap gst to file krte hi hoge is business ka to aap apne letter head par likh kar dijiye kaise aap mujhse itna erupay mang rhe hai.mostly aise logo par gst nhi hota he to vo Apko likh kr nhi dega or aap uske harassment k khilaf is bina par case file bhi kr sakte ho

      Delete
  2. 15 Feb 2020 ko 100000 rupees liya tha....aur woh 1 saal ka interested lagakar total 300000 rupees mang raha hai....usme se mene 40000 rupees last month ko diya hai...aur woh muzse aur 250000 rupees aur mang raha hai...itne kam samay me kaha se itni badi amount kaha se dunga sir...meri Khali ye request hai ki muze thoda waqt chahiye amount paid karne ke liye...aur unhone interested kam karna chahiye....jo bhi legally interest hoga woh me dene ke liye tayaar hu...aur woh interest wapis kar saku itna waqt muze aap dila sako...ye Meri apse request hai....

    ReplyDelete
  3. Dear friends
    Mene credit card liya fixed deposit pay 30000 de ke 24000 ki limit ka ab covid 19 ki wajah se payment over due ho gya jiske baad call aye to mene installments ke bare likha weh nahi diya aur jab email kiya kyi baar nodel office 4 din ko boll ke 15 din main reply kiya aur due date Anne ke karan bill aur bad gya tab mene unko yahi baat likhi ki agar app EMI nahi kr skte to ajj se main apni fixed deposit. Ko release krke paise ki consent main likha aur phone jo unko bhi bolna par same 7 din ke reply ko 20 din main diya due date se fir intrest lga diya ab btao over due oh gya payment ab kehte hum fixed deposit adjustment nahi kr skty please reply

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  4. Hello sir,
    Before lockdown i pay my credit card bill timely but now hdfc bank block my card permanently when i mail in hdfc they told me non pay of sept, oct nov so we don't offer u restructure..

    Sir is it right..

    Can u please tell what to do right now...

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  5. Sir help me. My loon in Mahindra f

    ReplyDelete
  6. Hello Vikram sir,
    I have 7 credit cards I have totally loss my business and all my cards also overdue recovery agents are harresing very badly me and my family I have already asks for resstrurestring but they said fristly paid for minimum amt due for all cards it all cost around above one lakh rupees which I can't mangae now please give me the solution sir Mai bohot pareshan hua sir

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  7. Hallo sir
    This covid 19 pandemic due my profession was closed. So how applied loan Restructuring Ndfc company through mail.

    ReplyDelete
  8. Hello vikram sir i had download pdf how to mail can you helps me please??

    ReplyDelete
  9. helo sir ,
    my hfc not provide the email id what can i do in this situation...can i applied for restructuring by registered post in my hfc ..is this right way or not for further legal process

    ReplyDelete
  10. Myself trying to get loan morretourium loan restructures and AU bank Vadodara Gujarat has provided me loan morretourium loan restructures reschedule. Now bank agent has seized my running vehicle in Ahmedabad to pay out all morretourium and lockdown periods EMI. AU BANK has not given me any intimation regarding payments. Now what to do in this regards. BANK follows its own rules and don't want to follow SC or Govt. rules. Wants to follow Eubank Govt. rules only.

    ReplyDelete

Thanks for Contacting to us. We will revert You shortly, Regards