Club Multiple Loans & Credit Card Bills
Up to ₹50 Lakhs into Single EMI

India's trusted loan consolidation partner — reduce your EMI burden by up to 50% and build a stronger credit profile.

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10 Lacs+
Customers Served
⭐
4.7/5
Google Reviews
🏦
500+
Cities Serving
💰
₹2000Cr+
Loans Disbursed
✅ Check Your Savings Instantly
Free eligibility check — No credit score impact

By continuing, you agree to MoneyBharti's Terms & Conditions, Privacy Policy and authorize contact via Call, SMS, Email, or WhatsApp.

₹50L
Max Consolidation Amount
50%
EMI Reduction Possible
9.99%
Interest Rate Starting
20+
Banks & NBFCs Partner
Overview

What is Debt Consolidation Loan?

Debt consolidation is a process where you combine all your different EMIs — personal loans and credit card bills — into one single, manageable EMI at a lower interest rate.

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Merge Multiple EMIs

Bring all your loans and credit card dues under one umbrella with a single easy EMI.

📅

Pay Just One EMI Every Month

No more tracking multiple due dates — manage your entire debt in one simple payment.

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Reduce Monthly EMI by Up to 50%

Lower your EMI burden and free up more disposable income every month.

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Improve Financial Health

Timely payments and reduced liabilities help you build a stronger credit profile.

Why Choose Us

Features & Benefits of Loan Consolidation

Discover how MoneyBharti's Consolidation Loan simplifies your finances and boosts your savings.

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Club Debts Up To ₹50 Lakhs

Merge up to 10 personal loans and overspent credit card bills into a single loan.

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Pay Just 1 EMI/Month

Don't stress about remembering different dates to pay off EMIs.

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Interest Rates From 9.99%

Cut down on interest rates by up to 20% with our competitive loan consolidation offers.

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2-Min. Eligibility Check

AI-powered customized check to instantly decide your eligibility.

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Smart Savings, Better Credit

Cut your EMIs by up to 50% and boost your CIBIL score with consistent payments.

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Flexible Pay-Off Tenure

Repay your consolidated loan comfortably over 2 to 7 years as per your capacity.

Simple Process

How it Works

A quick, step-by-step guide to merging all your loans into one easy EMI.

1
📝
Fill Basic Details

Fill in your name, mobile number, and work profile.

2
👤
Add Personal Info

Add your email, company name, and date of birth.

3
💰
Enter Financial Details

Enter your credit score, PAN, and salary information.

4
🏆
Compare Your Offers

Check best deals from 20+ banks and NBFCs and pick the best.

Eligibility

Who Can Apply for Debt Consolidation Loan?

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Salaried Individual

Working professional with a stable monthly income

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Credit Score Above 700

Good credit score improves approval chances and rates

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Age 23 – 58 Years

Applicant must be within the eligible age bracket

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Minimum ₹60,000/Month Net Salary

Minimum income requirement for loan consolidation

Who Should Consolidate? 🤔

  • 🔢 If you have more than 1 active loan
  • 😰 If your EMIs are feeling unmanageable
  • 📈 If your interest rates are too high
  • 💳 If you have overspent credit card dues
Check My Eligibility Now →
Savings Calculator

Debt Consolidation Savings Calculator

See how much you can save by consolidating your loans. Move the sliders to get your estimate instantly.

Total Credit Card Bills ₹5,00,000
Total Loan Outstanding ₹10,00,000
Total Loan Amount ₹15,00,000
Apply for Savings →
Current Monthly EMI ₹41,856
New Monthly EMI ₹29,325
Monthly Savings ₹12,531
Savings % 29.9%
You save annually
₹1,50,372
Quick Comparison

Why Consolidate?

❌ Without Debt Consolidation

  • ➡ Multiple EMIs — hard to track
  • ➡ 0% Savings on EMIs
  • ➡ High Interest Rates (12–36%)
  • ➡ Unhealthy, falling Credit Score
  • ➡ Stressful financial management

✅ With MoneyBharti Consolidation

  • ✓ Single EMI — easy to manage
  • ✓ Up to 50% Savings on EMIs
  • ✓ Interest as low as 9.99%
  • ✓ Credit Score improvement over time
  • ✓ Pay off easily in 2–7 years
Real Example

Let's Break It Down with a Real Example

A real journey — from financial stress to a single, manageable EMI.

👩
Meet Purvi
Debt Consolidation Loan — ₹3,00,000

Purvi, a strong-minded girl in financial need, applies for a Debt Consolidation Loan of ₹3 Lakhs. She is very optimistic and, by and by, her loan is approved at a moderate interest of 11.99% p.a.

The lender offers her a flexible repayment term between 2 and 7 years. After considering it, Purvi chooses the 5-year tenure. One important figure strikes her — her monthly EMI of just ₹6,672.

Over 5 years, Purvi will pay a total of ₹4,00,309 — ₹3,00,000 as principal and ₹1,00,309 as interest. Easy and straightforward. If planned well, this is how a typical journey of a Debt Consolidation Loan looks.

Step 1
Apply Online
→
Step 2
Loan Approved
→
Step 3
Choose Tenure
→
Step 4
Pay 1 EMI/mo
Purvi's Monthly EMI
₹6,672
For 5 Years @ 11.99% p.a.
📊 Purvi's Loan Breakdown
Loan Amount ₹3,00,000
Interest Rate 11.99% p.a.
Tenure Chosen 5 Years (60 months)
Monthly EMI ₹6,672
Total Interest Paid ₹1,00,309
Total Amount Paid ₹4,00,309
Get a Similar Deal →

Don't Be Among the 45% Struggling with Poor Credit!

Cut EMIs by 50% and strengthen your Credit Score. India's Trusted Financial Partner.

🚀 Make Single EMI Now — It's Free!
Transparent Pricing

Debt Consolidation Charges

We believe in complete transparency. Here's everything you need to know about the costs involved before you apply.

📊
Attractive Interest Rates

Enjoy competitive interest rates starting at just 9.99% per annum, making your consolidated loan more affordable and easier to manage.

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Club Multiple Debts

You can merge up to 10 personal loans, short-term loans, and overspent credit card bills into a single easy EMI.

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Minimal Processing Fee

Pay a nominal processing fee of up to only 2% of the loan amount, ensuring more of your funds work for you.

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Fee & Charges at a Glance
Repayment Period Minimum 2 years to Maximum 7 years
Annual Percentage Rate (APR) Minimum 9.99% to Maximum 17%
Processing Fees 1% to 2% of the loan amount
Stamp Duty Charges ₹500
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Key Numbers
9.99%
Lowest APR Starting
2–7 Yrs
Flexible Repayment Tenure
1–2%
Processing Fee Only
₹500
Flat Stamp Duty
Check My Rate Now →
FAQs

Frequently Asked Questions

How much will I save after merging all my personal loans and credit card bills? +
Savings depend on your current interest rates and outstanding amounts. Typically, customers save between 20% to 50% on their monthly EMI. Use our calculator above to get your personalized estimate instantly.
What documents are required for Loan Consolidation? +
You'll need: Valid ID proof (Aadhar/PAN Card), Proof of income (last 3 months salary slips), Bank statement of last 6 months, Employment proof, and your existing loan statements.
Why should I opt for Loan Consolidation with MoneyBharti? +
MoneyBharti gives you access to 20+ banks and NBFCs, ensuring you get the best interest rate. Our service is completely free, and we help you throughout the process — from eligibility check to loan disbursal.
Will loan consolidation affect my credit score? +
Initially, a hard inquiry may cause a minor dip. However, by making consistent single EMI payments on time, your credit score will improve significantly over time, often exceeding your previous score.
What is the maximum loan amount I can consolidate? +
You can consolidate loans and credit card bills up to a total of ₹50 Lakhs through MoneyBharti. The exact amount depends on your eligibility, income, and credit score.
How long does the loan consolidation process take? +
After submitting your application, eligibility is checked within 2 minutes. Loan approval and disbursal typically happens within 2–5 working days, depending on the bank's processing time.

Ready to Take Control of Your Finances?

Apply for Loan Consolidation today and start saving on your EMIs from next month itself!

🚀 Apply Now — Free Service