Real Cases

Real loan cases.
Real outcomes.

People who came in the same spot you're in now.

Consolidation·Udaipur

"710 CIBIL, Late Card Payments, 5 Bank Rejections — ₹8 Lakh Balance Transfer Done in 4 Days, Udaipur"

Consumer durables professional, ₹63K salary, 710 CIBIL with intermittent late card payments over a year. Five banks had declined. We identified one NBFC that distinguishes between late payments and bounces. ₹8 lakh approved in 4 days at 13.2% — app loan, all credit cards, and ₹4 lakh of private debt cleared in one shot.

Before₹22,000/month
After₹18,255/month

Abhay (name changed) — Udaipur →

Consolidation·Chandigarh

"10 App Loans, ₹50K EMI on ₹48K Salary — How Rajkumar Escaped the Trap and Got ₹10 Lakh at 15.75%, Chandigarh"

IT professional, ₹48K salary, 10 app loans running at ₹50K/month EMI — more than his take-home. 28 bureau enquiries in 30 days. We stopped him from borrowing more, cleared the app loans first, then got him ₹10 lakh from an NBFC at 15.75% in 30 days.

Before₹50,000/month (app loans only)
After₹24,186/month

Rajkumar (name changed) — Chandigarh →

Consolidation·Bangalore

₹5 Lakh Monthly EMI on ₹3.5 Lakh Salary — Recovery Plan for IT Professional in Bangalore

MNC IT professional in Bangalore, ₹1.6 crore in debt across 23 app loans, credit cards, personal loans, and a home loan. Monthly repayments of ₹5 lakh on ₹3.5 lakh take-home. Not bankable today — given a specific 4-option plan and a 180-day recovery timeline.

Before₹5,00,000/month

Sanjay (name changed) — Bangalore →

Consolidation·Noida

"100% Salary Into Loans, Zero Savings — EMI Dropped From ₹84K to ₹26K in 7 Days, Noida"

Central Govt employee, ₹83K salary, ₹84K monthly outflow across 5 app loans, one NBFC loan, and 3 credit cards. Almost lost hope after 6 lenders in 60 days. EMI restructured to ₹26,275 in 7 days — from 100% leverage to 32% within 3 months.

Before₹84,000/month
After₹26,275/month

Piyush (name changed) — Noida →

Consolidation·Bangalore

"₹41K EMI on ₹55K Salary — Reduced to ₹28K in 4 Days, Bangalore"

MNC professional, ₹55K salary, ₹41K monthly EMI across 3 loans at 13–18%. Four prior consolidation attempts had failed. Leverage reduced from 74% to 51% — EMI down by ₹13,000/month in 4 days at 12.2%.

Before₹41,000/month
After₹28,000/month

Satish (name changed) — Bangalore →

Consolidation·Hyderabad

"4 Overdrafts, ₹6 Lakh CC Debt, 100% Salary Committed — EMI Reduced by 30% in 15 Days, Hyderabad"

Senior IT professional, ₹1.15 lakh monthly obligation on ₹1.31 lakh salary. 4 overdrafts converting to EMI, ₹6 lakh credit card debt. Consolidated into one loan at 12.75% — obligation dropped from ₹55,000 to ₹38,000 in 15 days.

Before₹55,000/month
After₹38,000/month

Jagdish (name changed) — Hyderabad →

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