Debt health score

Four numbers, ten seconds: see how much of your income goes to EMIs, how healthy that is, and which route usually fits.

Monthly take-home income

Total of all loan EMIs per month

Credit card minimum dues per month

Rent, food, bills & other fixed costs

EMIs missed in the last 6 months

Your debt health

43/ 100 · Critical

EMI-to-income: 57%; Healthy is under 30%
Left each month: ₹6,000; after EMIs & fixed costs

Route that usually fits

Talk to us about settlement

At this level most people start missing EMIs. A negotiated settlement, with protection from harassment, is usually the fastest way out. A free review tells you what is realistic.

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Indicative only — actual results depend on lender policy and your full credit file. Settlement is always at the lender's discretion and is paid directly to the lender.