HDFC Bank — personal loan settlement hdfc banks

Address: 110016

Website: hdfc bank

I have taken up a personal loan 104000

Loans was on 36 tenured months, hdfc was for a monthly emi of rs.3856.00

I have paid the loans for bank till july.

I have not been able to pay up since then, due to no job and back up.

I am facing major financial crisis due to family reasons, i m searching job now, my all family responsibility is on me now, so i want to know if there is anything i can do to settle this loan for a much lesser amount.

I also had a hdfc credit card with a due of 43 k

If you can please advice me the steps i need to take to get out of this loan problem.

I will look forward for your reply.

Many thanks.