01Who it's for
Salaried employees with a steady account
Families facing a medical emergency
Anyone paying credit-card interest
02Eligibility
Age 21–60
Minimum ₹20,000 monthly income
Credit score above 720 for the best rates
Six months in the current job
03Documents needed
PAN and Aadhaar
Last three salary slips
Six months' bank statements
One address proof
Scope of work
What I handle for you
Not a product list — the specific work that happens once you say go.
01One application, not fiveEvery rejection damages your score. I check eligibility informally with lenders first, then file once.
02The real cost, not the headline rateProcessing fee, bundled insurance and prepayment penalty added into a single number you can compare.
03Credit-card debt taken overRevolving a card balance at 36–42%*? I work out the consolidation and show you the monthly saving.
04Score repair first, if neededBelow 700, I write down what to clear and in what order. We apply six to eight weeks later at a better rate.
EMI calculator
₹ 25 L
8.75%
20 years
Monthly EMI
₹ 22,093
Total interest₹ 28,02,264
Total repayment₹ 53,02,264
*Terms and conditions apply.
Frequently asked
My credit score is low. Should I apply?+
Speak to me first. Every rejection makes the next application harder. Often a score can be repaired in six to eight weeks.
Is there a prepayment penalty?+
Most lenders allow foreclosure after 6–12 EMIs, some free of charge. I will tell you which before you sign.
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