Free debt check
See where you stand in 60 seconds
Move three sliders. We show how heavy your EMIs are, and the way out that fits.
- 60 seconds
- No sign-up
- Nothing saved
Nothing you enter here is saved or sent.
Your EMIs take
60% of your income
Your likely way out
Restructure now
More than half your income goes to EMIs. Act before the first missed payment.
General guidance, not legal advice. Your lender decides any settlement.
How to read your result
Under 30%
Healthy. EMIs fit your income.
30–50%
Stretched. One shock can tip you over.
Over 50%
Overloaded. Act before you default.
Which way out?
Keep paying
Restructure
Settle (OTS)
How settlement works
- 1
Free case review
- 2
Written proposal
- 3
We negotiate
- 4
Letter, payment, NOC
- 23,000+ borrowers helped
- Legal experts on every case
- You pay only the lender
- RBI rules followed
Questions
Is this debt check free?+
Yes. It is free, needs no sign-up, and nothing you enter is saved or sent.
What EMI-to-income ratio is too high?+
Under 30% is healthy. Between 30% and 50% is stretched. Above 50% means EMIs are taking more than half your income, and it is time to act.
Does the result mean I qualify for settlement?+
It shows the route that usually fits your situation. Only your lender decides a settlement, after reviewing your account and hardship.
Will checking affect my CIBIL score?+
No. This tool does not contact any lender or credit bureau.
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