The debt counselling process typically takes 6-8 weeks for court approval once all documents are submitted.
The complete debt repayment period is usually 3-5 years depending on your total debt and repayment capacity. The maximum time the process lasts is 60 months (5 years) for unsecured debt.
Note: Maximum term for vehicles is 84 months (7 years) and for home loans is 240 months (20 years).