EMI Saathi is a free advisory platform that helps salaried professionals consolidate multiple EMIs into a single, lower monthly payment. We analyze your current loans and show you exactly how much you can save.
Enter your salary and current EMI details in our calculator. We instantly show you how much you could save by consolidating your loans through our partner banks. If you're interested, share your details and we connect you with the right lender.
No. We are advisors, not lenders. We don't lend money or charge you any fees. We connect you with trusted banks like HDFC, ICICI, SBI, and Bajaj Finserv who offer consolidation loans at better rates.
Once you submit your details, our team reviews your profile and contacts you within 24 hours. We share your details (with your consent) with partner banks best suited to your loan profile. You then get a personalized consolidation offer.
Absolutely. Your information is encrypted and never shared without your explicit consent. We only share your details with partner banks when you agree to move forward.
Any salaried professional in India with 2 or more active EMIs (personal loans, credit cards, car loans, etc.) can use EMI Saathi to check their consolidation savings.
Yes, 100% free for you. We earn a small referral fee from partner banks if you choose to consolidate — you pay nothing extra.
Savings vary based on your current interest rates, loan amounts, and tenure. Most users see potential savings of ₹3,000–₹15,000 per month. Use our calculator to see your exact number.
Using our free calculator does NOT affect your credit score — there is no credit check required to see your savings estimate. Only when you formally apply for a consolidation loan through a partner bank will they run a hard enquiry on your credit bureau profile.
Personal loans, credit card outstanding balances, BNPL (Buy Now Pay Later) dues, vehicle loans, and other unsecured EMIs. Home loans are generally not part of consolidation. Our calculator accounts for each loan type separately.
From getting your savings estimate to receiving a consolidated loan offer typically takes 3–7 business days, depending on the partner bank's processing time and document verification. Disbursal happens within 2–5 business days after approval.
See your exact savings in 60 seconds
Free EMI analysis. No credit check. No commitment required.