India's #1 Debt Consolidation Platform

Combine all EMIs into 1 smaller EMI

Simplify your finances. Consolidate all your existing EMIs into 1, smaller, easy to manage EMI.

40% Lower EMI

24hrs Approval

100% Secure

₹50,000+

Monthly Savings

5 Lakh+

Customers

₹2,000 Cr+

Debt Consolidated

10 Years+

In Operations

Enter your current EMIs

₹

Total Current EMI:₹0

New Consolidated EMI:₹0

Monthly Savings:₹0

Annual Savings:₹0

5-Year Savings:₹0

Start your debt consolidation journey today with 1EMI

Get a free consultation from our debt consolidation experts. No hidden charges, no obligations.

Full Name

Mobile Number

Free Consultation

Quick response

Expert Advice

Your information is secure and will not be shared with third parties

What Do We Do?

Two tailored solutions to reduce your financial burden

UNSECURED LOANS

Debt Consolidation

For Personal Loans, Credit Cards & Other Unsecured Debts

How It Works:

We consolidate all your high-interest unsecured loans into a single loan with one manageable EMI at a lower interest rate.

Example Calculation:

Current Situation:

Personal Loan 1 @ 16%: ₹15,000/month

Personal Loan 2 @ 18%: ₹12,000/month

Credit Card @ 42%: ₹8,000/month

Total: ₹35,000

After Consolidation:

Consolidated @ 12%: ₹22,000/month

Savings: ₹13,000/month

Reduce interest rates by 4-8%

Single monthly payment

Save up to 37% monthly

SECURED LOANS

EMI Reduction

For Home Loans, Car Loans & Other Secured Credits

How It Works:

We transfer your secured loans to lenders offering lower interest rates and extend the tenure, reducing your monthly EMI.

Example Calculation:

Current Situation:

Outstanding Loan: ₹50,00,000

Interest Rate: 9.5% p.a.

Remaining Tenure: 15 years

Current EMI: ₹52,250

After Balance Transfer:

New Interest Rate: 8.5% p.a.

Extended Tenure: 20 years

New EMI: ₹43,250

Lower interest rates

Extend tenure to reduce EMI

Free up cash flow

Not Sure Which Solution Fits Your Needs?

Get a free personalized analysis from our debt restructuring experts. We'll calculate your exact savings potential.

Powered by Leading Banks and NBFCs

Trusted partnerships with India's top financial institutions

HDFC Bank

ICICI Bank

Axis Bank

SBI

Bajaj Finserv

Kotak Mahindra

HDFC Bank

ICICI Bank

Axis Bank

20+

Partner Banks

15+

NBFCs

100%

Secure

How It Works

Four simple steps to financial freedom

1

Add Your EMIs

Enter all your current loan EMIs in one place

2

Get Matched

We find the best consolidation options for you

3

Apply Online

Complete your application in minutes

4

Start Saving

Enjoy one lower EMI and better finances

Why Choose 1EMI

Trusted by thousands of users across India

Lower Monthly Payments

Reduce your total EMI burden by up to 40% with our consolidation plans

Save Time & Effort

Manage just one EMI instead of juggling multiple payment dates

Improved Credit Score

Better payment management leads to improved credit health

More Savings

Lower interest rates mean more money in your pocket every month

Reduced Stress

Simplify your finances and enjoy peace of mind

Better Planning

Clear visibility of your debt helps in better financial planning

Published In

Featured and trusted by leading newspapers and business magazines across India

THE TIMES

HINDU

ET

MINT

OUTLOOK

BUSINESS TODAY

THE TIMES

HINDU

ET

500+

Media Mentions

20+

Publications

10 Years

Media Coverage

What Our Users Say

Real stories from real people who transformed their finances

★ ★ ★ ★ ★

"Saved ₹12,000 monthly by consolidating 4 EMIs. The process was incredibly simple and transparent."

Rajesh Kumar

Mumbai

★ ★ ★ ★ ★

"Finally got control of my finances. One EMI is so much easier to manage than five different ones."

Priya Sharma

Bangalore

★ ★ ★ ★ ★

"The team was professional and helped me throughout. Reduced my EMI burden by 30%."

Amit Patel

Delhi

★ ★ ★ ★ ★

"Saved ₹12,000 monthly by consolidating 4 EMIs. The process was incredibly simple and transparent."

Rajesh Kumar

Mumbai

★ ★ ★ ★ ★

"Finally got control of my finances. One EMI is so much easier to manage than five different ones."

Priya Sharma

Bangalore

★ ★ ★ ★ ★

"The team was professional and helped me throughout. Reduced my EMI burden by 30%."

Amit Patel

Delhi

MindFuel is your go-to blog for daily insights that boost productivity, sharpen focus, and inspire p...

Frequently Asked Questions

Find answers to common questions about EMI consolidation

EMI consolidation is a financial process where multiple monthly loan payments (EMIs) are combined into a single, more manageable payment at a lower interest rate. This helps reduce your monthly financial burden and simplifies your finances.

Your savings depend on your current EMIs, interest rates, and loan amounts. On average, customers save 30-40% on their monthly EMI, which translates to significant annual savings.

Initially, your credit score may dip slightly due to the new loan inquiry, but it will recover and improve over time as you make on-time payments on your consolidated loan.

The entire process typically takes 7-15 business days from application to disbursement, depending on documentation and verification.

We can consolidate personal loans, credit cards, consumer loans, home loans, car loans, and bike loans. Both secured and unsecured debts can be consolidated.

No, all fees and charges are transparent and disclosed before the consolidation process.

The minimum loan amount depends on the lender, but typically starts from ₹50,000.

Yes, both secured and unsecured loans can be consolidated together, subject to eligibility.

ID proof, address proof, existing loan statements, and income proof are generally required.

Interest rates depend on your credit score, loan type, and lender, typically ranging from 9% to 18% per annum.

Yes, prepayment is usually allowed without penalties, but terms depend on the lender.

Missing a payment may incur late fees and affect your credit score. Always communicate with the lender if this happens.

EMI reduction is one benefit of debt consolidation, achieved by extending tenure or lowering interest rates.

Balance transfer can reduce EMI by moving loans to lenders with lower interest rates.

Yes, multiple loans from different banks can be consolidated into a single EMI.

Maximum tenure varies by lender, usually up to 60 months or more depending on loan type.

A co-applicant may be required depending on your creditworthiness and loan amount.

Eligibility is based on credit score, income, existing EMIs, and repayment history.

Yes, self-employed individuals can apply with proper income documentation.

1EMI offers loan consolidation and EMI reduction services, while direct bank loans are individual loans without consolidation benefits.

Ready to simplify your EMIs?

Join thousands who have already simplified their finances