Analyse your existing loans and compare your current EMI burden with an indicative consolidated EMI structure — in under a minute.
Many households juggle a Home Loan, a Personal Loan, a Business Loan and other EMIs at the same time — each with its own rate, tenure and due date.
Let's analyse your options →
Add every loan you're currently repaying. Your current position updates automatically as you type.
This comparison uses an illustrative rate/tenure structure — not an offer or approval.
Illustrative calculation — not a guaranteed saving. A lower EMI can sometimes result from a longer tenure. Always compare total repayment, not just the monthly figure, before deciding.
Neither scenario is labelled "best" — review tenure, rate and total repayment together.
Add your monthly income to see FOIR and repayment-capacity indicators computed from your own numbers.
*Indicative repayment capacity is a simple illustrative guide (40% of income, minus current EMI) — not a lender's actual eligibility calculation, which considers credit score, existing liabilities, income stability, and lender-specific policy.
Add your loans above to see a personalised explanation of your current EMI burden and an indicative consolidated position.
Select your loan product, share your details once, and verify your email with a one-time code — your Free AI Loan & EMI Eligibility Analysis is released immediately, no payment required. It shows your current EMI, FOIR, an indicative eligible amount, an indicative EMI, tenure, and key observations. When you're ready, you can unlock a separate, detailed AI analysis report for ₹499.
Once your email is verified, we immediately show you a Free AI Loan & EMI Eligibility Analysis — an analysis preview based solely on the figures you enter here, with no lender or bank identity of any kind involved. It is not a loan offer, sanction, or guarantee. Where a figure is missing, we clearly say so rather than guessing. A separate, detailed AI analysis report is available afterwards for a one-time ₹499 fee, released only after that payment is verified.
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Debt consolidation may simplify repayment by combining eligible liabilities into a single loan structure. However, consolidation does not automatically mean lower total interest — tenure and rate both matter.
Multiple loans consolidated into one structure, with the Home Loan rate reduced from ~11% to 8.10%.
This is a real customer case. Results vary based on individual financial profile, lender policies, eligibility and document verification. Savings shown are specific to this case and are not guaranteed for everyone.
These are professional services performed by our team — not automated outputs. Fees are exclusive of GST.
KG Finvest also helps with mutual fund investing, insurance and tax filing — AMFI ARN-301473 registered, IRDAI licensed.