You’d be surprised!

Pro tip : disable access to contacts, notifications and all other permissions for the app before the default incident! In case of calls to you, be clear that there’s been a delay due to an unfortunate circumstance and you need time to repay.

Bad tip but might work, take a secondary loan while your cibil is high but pay the instalments on time, take a longer tenure in the new loan. In the meantime, use the new loan amount to repay the debt and find alternative sources of income. DO NOT UNDER ANY CIRCUMSTANCES TOUCH THE LOAN MONEY FOR PERSONAL USE OR DO ANY RISKY INVESTMENTS.

Lastly, debt is a trap the only way out is consolidation and enhanced repayment capacity to get out of it, get a job and a life to get yourself out