The average salaried professional in India manages 3–4 loan EMIs every month — personal loans, credit cards, vehicle loans, BNPL dues. Each one hits a different date, carries a different interest rate, and goes to a different lender. The result: constant stress, high interest outgo, and the feeling that your salary exists only to pay interest.
EMI Saathi was built to solve this. We help you see — clearly, in under 60 seconds — whether consolidating your EMIs makes financial sense. And if it does, we connect you with the right banking partners to make it happen.
We are an advisor, not a lender. EMI Saathi does not disburse loans, hold your money, or charge any fees. Our role is to analyze your situation and connect you with India's leading banks who compete for your business — which means better rates for you.
Our EMI consolidation calculator takes your current loans — salary, loan types, and total monthly EMI — and calculates an optimized EMI based on real consolidation loan rates from our partner banks. You see your exact monthly savings before speaking to anyone.
If consolidation makes sense for your situation, our advisors guide you through the process: selecting the right bank, comparing offers, and completing paperwork. The entire advisory is free. We earn a referral fee from partner banks when a loan is disbursed — you pay nothing extra.
EMI Saathi connects users with India's leading scheduled commercial banks and NBFCs offering debt consolidation and personal loans. Our network includes lenders who offer competitive rates to salaried employees with stable income and good credit history.
We do not disclose specific partner names in advance — our job is to match you with the best available offer for your credit profile, not to push a particular lender.
Questions, feedback, or partnership inquiries: info@emisaathi.in
We typically respond within one business day.