Settlement of a bank loan by paying the fine

Hello,

I would like to inquire about the fine for not paying my outstanding personal loan. My outstanding loan amount is AED 95,000 and I don't have money to repay this loan.

I came to know that there is no jail term if we do not pay the loan. I read somewhere that you just have to pay the fine which the bank will impose on you and that's it.

I would like to settle this matter with the bank by paying the fine. Can you please advise how much fine roughly I have to pay to settle my loan.

My bank is E.I.

Thank you in advance!