Settlement of loan

Excellent advise by Expert GLN Prasad. 

Approach the Seniors, the Regional Office of the Bank, meet in person with all supporting documents like Medical reports of your father, Bank statement, Releiving letter of your last job, ITR etc. 

Agree that they may not agree for 50%, try for 65% etc. If your luck is Good, you might end up meeting a considerate and kind Bank official who can help you resolve the matter.

All the best

When you put up your case corraborate them with the facts like

1. You have diligently paid 42 instalments and have faced financial difficulties due to job loss

2. You have already paid over 5.0 Lakhs both Principal and Interest

3. Produce your fathers Medical reports and also your wifes medical report

4. Releiving letter from last Organisation, IT returns of last 2 years 

Thank u so much sir @ Rajesh & prasad ......