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Through KreditSeva's Debt Consolidation Program, merge all your loans and credit card dues into one simple, affordable EMI — starting at just 9.99% p.a.
See how much you can save every month by consolidating all your debts into one low-interest EMI.
Indicative values only. Actual savings may vary based on lender terms and your credit profile.
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 12% p.a. — completely free to apply.
Merge all loans and credit card dues into a single affordable monthly EMI.
Lower your monthly outgo significantly by switching to a single lower rate.
One loan means one due date — no more stress of tracking multiple payments.
Competitive consolidation rates from 45+ top banks and NBFCs.
Here's how a KreditSeva customer with ₹15 Lakh in total debt saved over ₹14,000 every month.
Debt consolidation is becoming the smartest financial move for Indians managing multiple debts — here’s why.
Convert high-interest credit card bills and multiple loans into a single loan at a more affordable rate — reducing your overall repayment cost.
One EMI, one due date — no more confusion of tracking multiple repayments every month.
Fewer payments to track means less chance of missed due dates, late fees, or penalty charges.
Paying off multiple debts improves your credit utilisation ratio and regular on-time EMIs strengthen your score over time.
Choose a tenure that matches your financial comfort — manage EMIs without putting extra pressure on your monthly budget.
Fully unsecured — consolidate all debts without pledging property, gold, or any other assets.
Requirements to qualify for debt consolidation
Documents needed to process your application
Our experts guide you through the entire process — from comparing lenders to merging your debts into one EMI.
Review your eligibility based on income, existing debts, and credit profile.
Provide required documents digitally — no branch visits needed.
The new loan pays off all your existing loans and credit card dues at once.
Repay a single, affordable EMI to one lender — simpler and often at a lower rate.
Free service · No hidden charges · 90+ lenders
Compare rates, fees, and tenure to find the best balance transfer option for your loan.
| Bank / NBFC | Interest Rate | Processing Fee | Max Tenure |
|---|---|---|---|
| HDFC Bank | 10.85% – 24% | Up to ₹6,500 | 6 Years |
| ICICI Bank | 10.85% – 16.65% | Up to 2% | 6 Years |
| Axis Bank | 11.1% – 22% | Up to 2% | 5 Years |
| Kotak Mahindra Bank | 10.99% – 16.9% | Up to 5% | 6 Years |
| IDFC FIRST Bank | 10.99% – 23.99% | Up to 2% | 5 Years |
| Yes Bank | 11.25% – 21% | 0% – 2.5% | 5 Years |
| Federal Bank | 12% – 22.5% | 1.5% – 2.5% | 4 Years |
Best consolidation rate from every top bank & NBFC — in seconds, for free.
Merge all debts at 12% and pay significantly less every month.
Your personal RM guides you from eligibility check to final disbursal.
Fully transparent — know all costs before you sign, no surprises ever.
Upload docs online — no branch visits, no physical forms required.
Our team assists with all documents and coordinates with lenders for faster approval.
Everything you need to know about Debt Consolidation. Still have questions?
Talk to Our ExpertA 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 12% for 5 years, your new EMI is ~₹33,367 — saving over ₹14,000 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.