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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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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 Subedar Deal Subedar
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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
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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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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.
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Deal Lieutenant Deal Lieutenant
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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

Deal Subedar Deal Subedar
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Brother cc ke liye bhi income proof chahiye.. sabhi jagah try karchuka hun reject ho jata hai
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Crowdpuller Crowdpuller
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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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Cure nehi hoga brother permanent vision chala gaya hai
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Generous Generous
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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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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
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Shopping Friend Shopping Friend
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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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Koi cure nehi hai brother.. ratina nerve natural hota hai uska koi surgery medicine se thik nehi hota
Deal Lieutenant Deal Lieutenant
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Eye Replacement Possible? 

Eye Banks Available Across India 

Deal Subedar Deal Subedar
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Nehi brother ratina case mrin transplant possible nehi hai
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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.

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Helpful Helpful
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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 Subedar Deal Subedar
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Current income jaane wala hai brother additional income dur ki baat hai
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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 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 


Deal Subedar Deal Subedar
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Koi nehi hai bhai dene ko agar hote toh us wakt le aate ye outside se nehi lete. Ese bhi aaj kal rishtedaar unhika jyada kaam ate hai jiske paas paisa ho.
Wingman Wingman
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Dr Tatyasaheb Lahane is name very good and prestigious Dr for eyes in Mumbai in govt institution. See in google for this help and get this checked.
Wingman Wingman
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https://cdn0.desidime.com/attachments/photos/819711/medium/Screenshot2022-10-30-16-20-02-969com.android.chrome.jpg?1667127018I hop this will help.
Wingman Wingman
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https://cdn0.desidime.com/attachments/photos/819712/medium/Screenshot2022-10-30-16-22-20-077com.android.chrome.jpg?1667127152He retired from govt institution and now he is doing with small fee work.
Pro Tech Guru Pro Tech Guru
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He already told that this can't be treated and soon he will loose the remaining 10% vision 😞


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Helpful Helpful
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Bro Start preparing for govt job, listen youtube videos, get a govt accommodation and you can be stress free forever.. 

Deal Subedar Deal Subedar
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Currently preparing for govt job bro.. but .....
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Deal Newbie Deal Newbie
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check 12% club. You will be able to borrow from there

Hunk Hunk
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They're busy in collecting money, but not lending money.
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Helpful Helpful
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What happened to your eyes. Did you have power in your eyes. Did you wear spectacles for far vision

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

Deal Subedar Deal Subedar
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Nehi bhaiya family ko ye baat share karne par future ko toh Change nehi hoga.. aur woh bhi dipression mein aa jayenge.
Deal Cadet Deal Cadet
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Bhai Daredevil ki academy join krlo

Deal Subedar Deal Subedar
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Wo kya hota hai bhai and kaise join kare?
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Deal Subedar Deal Subedar
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Benevolent Benevolent
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What do you want from us bro ? Every new update you provide on this topic makes me feel worse since, as a human, I am powerless to aid someone who is experiencing such anguish. 

Benevolent Benevolent
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bro all good?

Deal Subedar Deal Subedar
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Kuchh Sahi nehi hai bhai zindegi nark jaisa ban gaya hai

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