Personal loan emi not paid for 9 months, complaint was filed under section 200 of crpc sections 25

I don't think a person struggling without a job will be sent to jail for loan default. Moreover it's not dharma! 

You can state all your facts and request for your convenient plan of repaying. Without a job or with a severe financial difficulties how can a person repay the loan. It's impossible.

I think you can have every right as per natural justice to restructure the repaying after getting a job or your financial difficulties are improved. 

Get the case settled either with Manager of the Bank as one time settlement or through mediation proceeding where you can pay settled amount in easy installments.

Thanks for the reply sir. I don't have money for one time settlement, I didn't speak to the manager yet, can I ask him for settlement amount in easy installaments? If the manager won't agree, whom should I be contacting for mediation proceeding?

You can write a representation stating all your details with the financial difficulties to the Chairman, District Legal Services Authority of your District.

You need not spend any amount for approaching DLSA. 

They will resolve the issue amicably.

Thanks Suesh S. Writing the respresentation you mean, writing a letter to 'District Legal Services Authority' explaning my situation, right?

Yes, you can write a letter (formal) to the Chairman, DLSA, your District stating the details and your actual difficulties with a request to resolve the problem amicably.

The issue will be resolved amicable. The DLSA may initiate mediation or any other arrangements.

No need to be depressed over the issue. 

Wish you to get a good job soon to overcome all your financial difficulties. 

The interest of the bank is to get back their money with interest. They get nothing by sending you to jail or giving you any other punishment. For what purpose did you take the loan? Have you acquired any assets with the loan? Have you mortgaged any assets to get the loan? The Bank will have a charge on your assets. If there is a reasonable chance of their getting back the money, the Bank will agree to the proposal that you make. If you place any proposal before the magistrate, the magistrate will ask the Bank's lawyer whether they agree?

No one can help you in getting out of your liability qua outstanding loan amount which you have consumed, however, Bank may consider to waive penal interest and other charges, if you approach concerned officials. .

Reading whole story indicates thtt bak is nowhere at fault.

Payment is the easiest way out.  In this case there seem to be more facts to be shared.

Thank you for the questions as well the answers/directions. I took this personal loan for home renovation and to pay off some debts on my credit card. No assets were acquired or mortgaged on this loan. As I don’t have money for settlement, I am open for loan restructuring. I understand I took the loan and that I have to pay it, I am trying my best to meet the concerned person of the bank, however a bank officer said  since I didn’t pay the 7 months EMI, it is in write-off status. If the bank agrees for the restructuring I should be getting the letter of agreement which could be produced before the magistrate right ? Upon which the case is closed, right?
I wanted to solve this in the first hearing itself. 

Thanks for the answers.

First let the bank agree to what you say  

Thanks Suresh. The process is pending with DLSA office. My summon date is FEB 7th, if the mediation proceedings didn't happen before that, what options do I have? Can I state my situation and plan of paying it in EMI instalments  before the magistrate? 
Please help!