Many EMIs. One simpler payment.
Juggling credit card dues and several loans? We help you merge them into one loan at a lower rate, so you pay less interest and track a single EMI.
Built around what you need.
Credit card dues
Replace card interest of 36–42% a year with a far cheaper loan.
Multiple personal loans
Merge several small loans into one with a single due date.
Home loan top-up
If you have a home loan, a top-up is often the cheapest way to consolidate.
Loan against property
Larger debts consolidated at secured-loan rates and longer tenure.
Balance transfer
Move a high-rate loan to a lender offering a lower rate.
Lower monthly outgo
Free up monthly cash flow by spreading repayment more comfortably.
Who qualifies.
Typical lender criteria. Every bank sets its own rules, and we know which ones fit your profile.
- Income
- Regular salary or business income to support the new EMI
- CIBIL score
- Ideally 680+; we'll tell you honestly if your score needs work first
- Repayment track
- Few or no missed payments in the last 12 months
- Collateral (optional)
- A home or property unlocks the lowest rates via top-up or LAP
- Existing loans
- Statements showing current outstanding balances and rates
What to keep ready.
A starting list. We'll confirm the exact set for your lender before you collect anything.
- PAN card
- Aadhaar card
- Passport-size photographs
- Address proof (utility bill, rent agreement or passport)
- Last 3 months' salary slips (salaried)
- Last 6 months' salary account bank statement (salaried)
- Form 16 or ITR for the last 2 years (salaried)
- Self-employed: ITR and 12 months' bank statements
- Statements / sanction letters of existing loans
- Latest credit card statements
- Foreclosure letters from current lenders
What we do that a bank won't.
Honest maths first
Consolidation only helps if the new rate and fees beat what you pay now. We show you the numbers before you apply.
Right product
Top-up, LAP or a personal loan: the cheapest route depends on what you own and owe.
Closures handled
We coordinate foreclosure letters and make sure old accounts are properly closed and reported to CIBIL.
Debt Consolidation questions.
Does debt consolidation reduce what I owe?
Will it improve my CIBIL score?
What is the cheapest way to consolidate?
Should I close my credit cards after consolidating?
Talk to Nandini about your debt consolidation.
21 years, 70+ lenders, one conversation. Free, and no obligation.