One structured repayment plan
Debt Consolidation Loan
Profile-led guidance to combine eligible loans or credit-card dues into a simpler repayment structure.
Our team will contact you within 24 working hours. Approval, pricing and terms are subject to individual provider policy.
Debt consolidation is not a waiver or settlement. It generally means using an eligible new personal loan, balance-transfer or top-up facility, or a secured loan such as a loan against property to close selected existing dues and move them into one structured repayment plan. We review your outstanding loans, card balances, current EMIs, income, credit profile and repayment capacity before discussing a suitable route. A new facility should be considered only when its total cost, charges, tenure and monthly obligation make practical financial sense.
Transparent guidanceUnderstand important terms before proceeding.
Multiple optionsProfile-led selection across available providers.
End-to-end supportClear coordination from enquiry to completion.
Important: consolidation must improve the overall plan—not merely postpone repayment
A lower EMI can result from a longer tenure and may increase the total interest paid. Before accepting any offer, compare the lender's Key Facts Statement, Annual Percentage Rate (APR), processing and foreclosure charges, net disbursal, tenure and total repayment. Continue servicing every existing account until its lender confirms full closure. Pranavi Capital Solutions is a loan facilitator, not a lender, and cannot guarantee approval, savings, closure, a lower EMI or an improved credit score.
Read the full regulatory disclaimer →Who it may suit
Eligibility begins with the right profile
- Salaried or self-employed applicants with stable, verifiable income
- Customers managing multiple eligible loan EMIs or high-cost credit-card dues
- Applicants with an acceptable repayment and credit profile
- Borrowers seeking a disciplined plan to simplify monthly repayments
Common purposes
→Combine selected personal-loan balances
→Clear eligible high-cost credit-card dues
→Replace multiple due dates with one repayment schedule
→Explore an eligible balance transfer or top-up
→Consider property-backed consolidation where appropriate and permitted
Indicative documents
✓PAN, Aadhaar and current address proof
✓Recent salary slips or income proof
✓Recent bank statements showing salary or business credits and EMIs
✓Existing loan statements, foreclosure letters and card statements
✓Employment, business or property documents required for the selected facility
Final documentation varies by profile, product and provider.Clear documentation
Be prepared before the application begins
Complete, consistent documents can make assessment smoother. Our team helps you understand the applicable checklist and avoid preventable gaps.
How we support you
A clear, guided process
Review income, obligations and credit profile
Compare eligible consolidation routes and total cost
Submit the selected application and documents
Verify closure of consolidated dues and follow the new repayment plan
Frequently asked
Useful answers before you begin
Will debt consolidation reduce my EMI?+
It may simplify repayments and could reduce the monthly outflow in an eligible case, but this is not guaranteed. A longer tenure can reduce EMI while increasing total interest. Compare the APR, processing fee, foreclosure charges, insurance, tenure and total repayment before deciding.
Is debt consolidation the same as loan settlement?+
No. Consolidation normally repays selected dues using a new eligible facility. Settlement means a lender accepts less than the full contractual amount and may be reported differently to credit bureaus. Pranavi Capital Solutions does not promise deletion or alteration of accurate credit information.
Which liabilities can be consolidated?+
Selected personal loans, credit-card dues or other eligible obligations may be considered, depending on the new lender's end-use rules, your profile and availability of valid closure documents. Not every debt or applicant will qualify.
Will applying affect my CIBIL Score?+
A lender may make a credit enquiry, and a new loan or closure of old accounts can change your credit profile over time. The outcome depends on your full credit history and repayment behaviour; no score improvement can be guaranteed.
What should I verify before accepting an offer?+
Read the lender's Key Facts Statement and compare the APR, interest type, all charges, net disbursal, tenure, total repayment, prepayment terms and the exact process for closing old dues. Continue paying existing EMIs until the respective lender confirms closure.
PROTECT. PROSPER. PROGRESS.
Submit your debt consolidation loan requirement. Our team will call you.
Submit Your Requirement →Response within 24 working hours