Consolidate Your Debts & Save Upto 30% Extra Every Month
Through KreditSeva's Debt Consolidation Program, merge all your loans and credit card dues into one simple, affordable EMI — starting at just 9.98% p.a.
Instant eligibility check
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Minimal documentation
Approval support by loan experts
100% digital process
10K+Customers Served
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SAVINGS CALCULATOR
Debt Consolidation Loan Savings Calculator
See how much you can save every month by consolidating all your debts into one low-interest EMI.
Debt consolidation is a smart financial solution that helps you combine multiple existing loans and credit card dues into one single loan with a single monthly EMI. Instead of managing different repayment dates, varying interest rates, and multiple EMIs every month — debt consolidation brings everything under one easy repayment plan.
This makes it much easier to track payments, avoid missed due dates, and reduce the stress of handling several debts. With KreditSeva, you can consolidate up to ₹50 Lakhs at just 9.98% p.a. — completely free to apply.
Compare starting rates, max loan amounts, and processing fees to find the best debt consolidation option.
Bank
Starting ROI (p.a.)
Max Loan Amount
Processing Fee
Suitable For
HDFC Bank
9.98%*
₹40 Lakhs
Up to ₹6,500 + GST
Personal Loan BT, Credit Card BT, Debt Consolidation
ICICI Bank
10.80%*
₹50 Lakhs
Up to 2% + GST
High-income salaried customers
IDFC FIRST Bank
9.98%*
₹35 Lakhs
0%–3.5% + GST
Loan & Credit Card Consolidation
IndusInd Bank
10.49%*
₹50 Lakhs
Up to 3.5% + GST
Large-ticket balance transfer
Axis Finance
11.00%*
₹30 Lakhs
Up to 2% + GST
Existing salary account customers
Bajaj Finance
10.00%*
₹55 Lakhs
Up to 3.93% + GST
Large debt consolidation cases
Tata Capital
10.99%*
₹35 Lakhs
Up to 5.5% + GST
Salaried & self-employed
Aditya Birla Finance
10.99%*
₹50 Lakhs
Up to 4% + GST
High-value takeover cases
Piramal Finance
12.14%*
₹25 Lakhs
Up to 5% + GST
Medium-risk profiles
L&T Finance
12.00%*
₹50 Lakhs
Up to 4% + GST
Business & self-employed customers
*Rates are indicative starting rates and may vary based on applicant profile, credit score, and lender policies. Always verify the latest details before applying.
A debt consolidation loan combines multiple debts — credit card bills, personal loans, and other EMIs — into one single loan with a lower interest rate and one affordable monthly EMI. It simplifies repayment and reduces your overall financial burden.
Borrowers typically save up to 30% on their monthly EMI. For example, if you have ₹5L in credit card dues (at 32%) and ₹10L personal loan (at 13%), your total outgo is ~₹47,753. After consolidation at 9.98% for 5 years, your new EMI is ~₹31,856 — saving over ₹15,000 every month.
Most lenders prefer a minimum monthly income of ₹30,000 for debt consolidation. However, eligibility varies by lender. Our team helps match you with lenders that best suit your income profile.
No. Debt consolidation loans are fully unsecured — you do not need to pledge any property, gold, or assets as security.
Initially there may be a minor dip due to a hard inquiry. However, consolidating debts reduces your credit utilisation ratio and consistent on-time EMI payments improve your credit score significantly over time.
With complete documentation, most debt consolidation loans are approved and disbursed within 24–72 hours. KreditSeva’s team ensures your application is complete to avoid any delays.
Yes. Both salaried and self-employed individuals can apply. Self-employed applicants need to provide ITR, business proof, and bank statements in addition to standard documents.
Yes, completely free for all borrowers. KreditSeva charges zero fees for guidance, lender comparison, or application support. Our service is funded by lenders — you pay nothing extra, ever.
KreditSeva has partnerships with 10+ top banks and NBFCs including HDFC Bank, ICICI Bank, Axis Bank, Kotak Mahindra Bank, SBI, Bajaj Finserv, and more — giving you access to the widest range of loan offers in one place.
Absolutely. KreditSeva has helped thousands of Indians secure loans across India. Your data is encrypted and handled securely — never sold to third parties. We are a trusted loan assistance platform with a growing track record.
A Personal Loan can be used for various purposes such as medical expenses, weddings, travel, education, or emergencies.
A Debt Consolidation Loan is specifically designed to combine multiple existing debts, such as credit card dues and loans, into a single EMI. This helps simplify repayments and may reduce overall monthly financial burden.
Yes. Many lenders consider applications from borrowers who already have existing EMIs. Approval depends on factors such as your income, repayment history, Credit Score, and overall debt-to-income ratio. Managing existing loans responsibly can positively impact your eligibility.
The right option depends on your financial situation:
Debt Consolidation may be suitable if you have multiple loans or credit card dues and want to combine them into a single repayment.
Balance Transfer may be beneficial if you have one existing loan and wish to move it to another lender offering lower interest rates or better repayment terms.
KreditSeva's experts can help evaluate which option aligns better with your financial goals.
You may be able to reduce your EMI burden through:
Debt Consolidation solutions
Balance Transfer to a lender offering better terms
Loan tenure restructuring (subject to lender approval)
Prepayment of a portion of the outstanding loan
Improving your credit profile for refinancing opportunities
Choosing the right strategy depends on your income, outstanding liabilities, and long-term financial objectives.
KreditSeva simplifies the borrowing process by helping customers compare and access suitable loan solutions from multiple lending partners.
Benefits of KreditSeva:
✔ Access to multiple Banks & NBFCs through a single platform
✔ Expert assistance for Personal Loans, Business Loans, Debt Consolidation, and Balance Transfers
✔ Guidance on improving loan eligibility
✔ Faster application coordination and lender matching
✔ Transparent process with no hidden charges from KreditSeva
✔ Dedicated support throughout the application journey
✔ Personalized solutions based on your financial profile
Our goal is to help customers make informed borrowing decisions and find financial solutions that best meet their needs.
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