It shall be appropriate to consult a lawyer dealing in Consumer/banking matters in person with copies of all record/docs/communications and details of calls made/received by you.
If you have not admitted the debt in last 3 years then it might have been barred by limitation and recovery can not be enforced.
Settlement is also an adverse entry and if you settle at an amount then M/s Standard Chartered Bank and M/s Saha finlease may still not cleanse your credit history and you may again be following with them ……………..and may be asked to pay the amount of say Rs.10 Lacs.
If you were not at fault then you don’t have to pay the amount of fraud hence any penultimate charges on it.
Bank is liable for any fraud/cyber fraud etc.
You may obtain an order decision from DCDRF with clear instruction to withdraw your name from CIBIL and handover you the CIBIL report with NO Future Liability and declaration that your loan taking ability shall not be affected at all in future.
There are many threads on M/s Standard Chartered Bank and M/s Saha finlease at LCI alone.