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slowly i'm going to hell

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Deal Subedar
OdishaDeal
friends. I've been on this platform probably since 2013z14. As you all know, my both eyes have been detached. The left eye has lost its vision totally and the right eye has 10% vision left. What do I do now? I am not able to tell this to my family that I am going to become blind soon. because I have the responsibility of manage my family. You all know that our family is in huge debt (3.2 lakh 3% per month from local people). Currently i am working in a Private company and all salary goes on paying of only interest (9k per month). Now guide me what should I do?


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Deal Subedar Deal Subedar
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OP looks really in trouble. Can we dimers make a collective effort to help him financially?. If someone lives close to where he lives and if possible can visit his place to get the idea of the situation, then we can pool in together to help him in some way.

Entertainer Entertainer
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Jitna jyada depressed rahoge, utna jyada apna nuksaan karoge. First tell ur family about ur real situation.

Deal Lieutenant Deal Lieutenant
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Getting a loan from outside for 36% is a crime ... If you have a decent cibil score apply 5 yrs PL in any private Bank... You shud be getting 2-3L... Take the money and close debt and pay emi which will also be similar ... Atleast ur debt is removed
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Deal Lieutenant Deal Lieutenant
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Getting a loan from outside for 36% is a crime ... If you have a decent cibil score apply 5 yrs PL in any private Bank... You shud be getting 2-3L... Take the money and close debt and pay emi which will also be similar ... Atleast ur debt is removed
Deal Lieutenant Deal Lieutenant
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Don't Loose The hope 

Consult Eye hospital And Take Their opinion 

Nothing Is impossible stay strong 

Like fellow dimer said,if u have good cibil score take personal loan @ 12% and repay the debt 

Deal Subedar Deal Subedar
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Never take loan from local people 

They are charging huge interest 24-36% annually

First make a cc and once cibil score generated apply for personal loan in bank/cred etc with 10-13% annual interest rate. 

Within 4 years you will clear all debt with just Rs 8427 per month if we consider 12% interest rate for 3.2L in PL

Firestorm Firestorm
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Sorry to hear about your sitaution. Imo, First of all, you should tell and share about your eyes with your family and also your elders. You will get moral support, which is very important these days. Go to any NBFC and they may saction you loan. Remove your debt.
Deal Newbie Deal Newbie
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How much money needed to cure your eyes?
Deal Subedar Deal Subedar
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insta_vicky wrote:
Getting a loan from outside for 36% is a crime ... If you have a decent cibil score apply 5 yrs PL in any private Bank... You shud be getting 2-3L... Take the money and close debt and pay emi which will also be similar ... Atleast ur debt is removed
Already tried bro. All bank denied to provide loan because i have no income proof, i am working at like sole proprietorship (shop). And minimum salary to be 20k to apply PL
Deal Lieutenant Deal Lieutenant
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OdishaDeal wrote:
Already tried bro. All bank denied to provide loan because i have no income proof, i am working at like sole proprietorship (shop). And minimum salary to be 20k to apply PL
There is no such rule bro.... Do u submit IT return ?! You get salary in cash ?! Many self employed ppl get loans easily with these documents
Deal Subedar Deal Subedar
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PowerStar wrote:

Don't Loose The hope 

Consult Eye hospital And Take Their opinion 

Nothing Is impossible stay strong 

Like fellow dimer said,if u have good cibil score take personal loan @ 12% and repay the debt 

Family mein pata hai ki mera aankh mein dikkat hai lekin unko pata nehi mera vision kam hote ja raha hai.. aur already mera surgery hua tha 2007 mein aur jyada thik karne ka koi ilaj nehi hai medical science mein.
Deal Subedar Deal Subedar
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insta_vicky wrote:
There is no such rule bro.... Do u submit IT return ?! You get salary in cash ?! Many self employed ppl get loans easily with these documents
Yes bro. Sabhi bank mein last 3 year ka IT return maang raha hai..
Helpful Helpful
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1.take advise from all hospital u can across india 

2. apply for partial disabliity certificate ,incase your compay fire u this will come handy 

3. dont loose hope . also look for investement option 

4. 3.2 Lakh is not bigger then your life .. remember 

Deal Subedar Deal Subedar
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Alpha_07 wrote:
How much money needed to cure your eyes?
Cure nehi hoga brother permanent vision chala gaya hai
Deal Subedar Deal Subedar
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demerius2020 wrote:

1.take advise from all hospital u can across india 

2. apply for partial disabliity certificate ,incase your compay fire u this will come handy 

3. dont loose hope . also look for investement option 

4. 3.2 Lakh is not bigger then your life .. remember 

Brother there is no cure for my case

Sab doctor ek hi baat bol diya hai sahi time pe surgery nehi hua tha so..

Disability certificate bana liya hun doctor ne assessment karke 100% diya hai
Helpful Helpful
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OdishaDeal wrote:
Brother there is no cure for my case

Sab doctor ek hi baat bol diya hai sahi time pe surgery nehi hua tha so..

Disability certificate bana liya hun doctor ne assessment karke 100% diya hai
1. look for govt of india / your state govt social sceheme for disabliliitu people
2. which hospital u have ref. till now?
3. dont be so negative ,
Deal Subedar Deal Subedar
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demerius2020 wrote:
1. look for govt of india / your state govt social sceheme for disabliliitu people
2. which hospital u have ref. till now?
3. dont be so negative ,
Brother govt ki kuch scheme kaam nehi karta hai.
Only 700 Rs mil raha hai per month

Odisha & kolkata sabhi hospital ja chuka hun (even private hospitals). Chennai mein surgery hua tha Sankar Netralaya mein.
Post Emperor Post Emperor
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Is there still hope? Will some surgery/medicines help? I know few people at NGO if there is a case we can approach they might be able to help upto a limit
Deal Subedar Deal Subedar
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Drdrake wrote:
Is there still hope? Will some surgery/medicines help? I know few people at NGO if there is a case we can approach they might be able to help upto a limit
Koi cure nehi hai brother.. ratina nerve natural hota hai uska koi surgery medicine se thik nehi hota
Deal Subedar Deal Subedar
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Smiling wrote:

Never take loan from local people 

They are charging huge interest 24-36% annually

First make a cc and once cibil score generated apply for personal loan in bank/cred etc with 10-13% annual interest rate. 

Within 4 years you will clear all debt with just Rs 8427 per month if we consider 12% interest rate for 3.2L in PL

Brother cc ke liye bhi income proof chahiye.. sabhi jagah try karchuka hun reject ho jata hai
Deal Lieutenant Deal Lieutenant
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Eye Replacement Possible? 

Eye Banks Available Across India 

Deal Subedar Deal Subedar
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PowerStar wrote:

Eye Replacement Possible? 

Eye Banks Available Across India 

Nehi brother ratina case mrin transplant possible nehi hai
Deal Lieutenant Deal Lieutenant
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OdishaDeal wrote:
Nehi brother ratina case mrin transplant possible nehi hai

Stay Strong Brother 

Try For Govt Jobs Especially Banks 

Hope Everything Will Be Fine 😊

Deal Subedar Deal Subedar
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OP looks really in trouble. Can we dimers make a collective effort to help him financially?. If someone lives close to where he lives and if possible can visit his place to get the idea of the situation, then we can pool in together to help him in some way.

Analyst Analyst
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Look for additional income sources ...

Approach more and more people for help ....many wont do it but u just need one of them to sort ur things out ..

Stay strong...i know this is easier said than done ...but sometimes giving up is not an option...and get rid of the loan asap that will keep building on u otherwise its a permanent trap

Deal Newbie Deal Newbie
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OdishaDeal wrote:
Cure nehi hoga brother permanent vision chala gaya hai
So whats the solution?
Is there anything like eye replacement?
Deal Subedar Deal Subedar
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Sorry to hear your Concern friend. Other dont take my comment politically, but now India has entered a stage where a family require  both husband and wife to work to survive.  1's salary to daily expenses and 2's salary to make some saving. This is 101% true for middle class people with average education. Its not your problem alone. Its completely impossible now to meet expenses in 9000 salary, forget about repaying local Udhar / Loans. If you have any credit card, withdraw and forget and forget Cibil and future loans. Or sell any property to get rid of borrowings.

Its better if some other family member also start working. Or you can take 2nd easy night job as well. I have seen security guards taking double duty to meet expenses. 

For eyes, try carrot+ Amla+ chukander juice this winter, it should help,  if not some medical illness.

Deal Subedar Deal Subedar
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OdishaDeal wrote:
Brother cc ke liye bhi income proof chahiye.. sabhi jagah try karchuka hun reject ho jata hai

You should 1st get fd based secured Credit Card. Then after 5-6 months when cibil build up, try some SBI agent. SBI cards are purely cibil based.

Deal Subedar Deal Subedar
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garamjalebi wrote:

Look for additional income sources ...

Approach more and more people for help ....many wont do it but u just need one of them to sort ur things out ..

Stay strong...i know this is easier said than done ...but sometimes giving up is not an option...and get rid of the loan asap that will keep building on u otherwise its a permanent trap

Current income jaane wala hai brother additional income dur ki baat hai
Analyst Analyst
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OdishaDeal wrote:
Current income jaane wala hai brother additional income dur ki baat hai

Dont loose hope ....chaos brings change and makes us a better version of ourselves 

Deal Cadet Deal Cadet
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take a lon from relatives/friends and pay off the loan first than pay your relatives/friends slowly otherwise you won't be able to get of of this loan ever ... and tell them about your health issues 


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