Chinese app money lending issue

Here’s the revised version of your question:

“My friend had taken a loan from a Chinese money-lending app. Before he could repay, the app was banned in India. He is now ready to repay the loan but doesn’t know how to proceed. He found some details about the active loan on a credit score app, which shows the lending institute as P. C. FINANCIA……** 8617**. This unresolved loan is affecting his CIBIL score, as it shows missed payments, and he is unable to get loans from banks or other institutions. What steps can he take to repay the loan and improve his credit score?”