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Will my CIBIL Score Improve if I pay off all the outstanding loan along with penalties ?

Hi

I am defaulter of PL, so im sure my CIBIL score should be worst. Now i would like to improve my score. So i thought of settling all those dues with charges. Recently i spoke with the concern. They Said almost 2.5lac is due under my name.

My questions here is – If I fully settle my dues with out taking any waive off, how long it will take to reflect my score in cibil report or still my score will low. If i pay this month, Does my score get improved in next 2-3 months.

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