Sprint B · Tool
Settle or close in full?
Bureaus retain a "Settled" tag for 84 months under RBI's 7-year rule. Here's the side-by-side cost.
Haircut: ₹75,000 (50%)
If you settle
640
7-yr ceiling · trough 590
If you pay in full
740
7-yr ceiling · trough 655
Plain-language verdict
The lender is offering a 50% haircut. You save ₹75,000 today but trade it for a "Settled" mark on your bureau report for the next 7 years. Your score floor will be around 590 for 6–12 months, and your 7-year ceiling drops by ~100 pts vs paying in full. Settle only if cashflow makes paying impossible. Otherwise negotiate a longer EMI plan and pay the full amount.
Score paths are educated heuristics anchored to RBI's 84-month retention window — bureaus don't publish exact formulas. Use this to compare options, not as a guarantee.