Debt consolidation, simplified

Stop paying ₹18,000 more than you need to. Every month.

EMI Saathi analyzes your loans, finds a better repayment plan, and connects you with banks offering lower rates. One EMI instead of five.

Calculate Your Savings →
Your EMI, optimized
Current monthly EMIs ₹52,000
After consolidation ₹34,000
You save every month ₹18,000
The problem

India has an EMI crisis hiding in plain sight

Credit cards at 40%. Personal loans at 18%. BNPL stacking up. Most salaried professionals don't realize they're overpaying by lakhs.

₹2.1T
Active fintech loan portfolio in India, growing 25% year-on-year
40%+
Typical EMI-to-income ratio for overleveraged salaried borrowers
36-40%
Interest rate on unpaid credit card balances. Consolidation cuts this to 11-15%
How it works

Three steps to financial clarity

No jargon, no fine print. Enter your details, see your savings, get a better deal.

01

Enter your loans

Monthly salary, existing EMIs, loan types. Takes 60 seconds. No credit score check required.

02

See your savings

Instantly view your current EMI burden vs. an optimized plan. Know exactly how much you can save each month.

03

Get a better plan

We connect you with banks and NBFCs offering consolidation loans at lower rates. One EMI, one due date, less stress.

Connecting you with India's leading lenders

HDFC Bank ICICI Bank Bajaj Finserv SBI Axis Bank

Your salary should build your life, not just service your debt.

EMI Saathi exists because nobody should lose sleep over EMI dates. We're building the simplest way for salaried Indians to take control of their debt and start saving again.

Check Your Savings Now →