Debt Consolidation Loan

Replace Many EMIs With One You Can Actually Track

Combine multiple high-interest debts — credit cards, personal loans, payday loans — into a single, more manageable monthly payment.

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Live Estimate

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Estimated EMI for the loan below

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Features & Benefits

What you get with the Debt Consolidation Loan

Key Features

✓Consolidate multiple loans/cards into one EMI
✓Potential for a lower blended interest rate
✓Single repayment date instead of several
✓Available for salaried and self-employed borrowers

Benefits

✓Simpler monthly budgeting with one EMI
✓Reduced risk of missed payments across accounts
✓Possible improvement in credit utilisation over time
✓Clear payoff timeline instead of revolving debt

Eligibility & Documents

Who can apply, and what you'll need

Eligibility Criteria

✓Existing loans/credit card debt across one or more lenders
✓Age 21–58 years
✓Stable monthly income
✓Reasonable repayment track record on existing debt

Documents Required

✓PAN Card and Aadhaar Card
✓Statements of existing loans/cards to be consolidated
✓Latest income proof or bank statement
✓Passport-size photograph

The Process

How to get your debt consolidation loan

Check Eligibility

Share basic details to see your estimated eligibility instantly.

Submit Documents

Upload KYC and income proof securely through WhatsApp or our portal.

Profile Review

Our credit team reviews your profile and shares offer terms.

Disbursal

Approved funds are transferred directly to your bank account.

Apply For Debt Consolidation Loan

Tell us a little about your requirement and we'll get back on WhatsApp.

FAQs

Common questions about the Debt Consolidation Loan

What exactly is debt consolidation?+

It's combining several existing debts into a single new loan, ideally with one EMI and a clearer payoff date.

Will this lower my total interest cost?+

It can, especially if you're currently paying high credit-card interest, though the exact saving depends on your profile.

Can I consolidate credit card debt and personal loans together?+

Yes, most combinations of unsecured debt can be consolidated into a single facility.

Does this loan close my old accounts automatically?+

No, you'll need to use the disbursed funds to pay off and close your existing accounts yourself, or as guided by your advisor.