ABOUT SHIFTEMI

Shift to a Lower EMI. Build a Better Future.

Smarter financial decisions begin with clarity, transparency and the confidence to choose what works for you.

ShiftEMI is an AI-enabled digital credit and financial improvement platform being developed to help people understand existing debt, explore suitable borrowing options and take informed steps towards better financial health.

Whether you are managing multiple personal loans, considering a balance transfer, exploring a new loan or working towards a healthier credit profile, ShiftEMI aims to make the journey easier to navigate.

Explore Your Options Discover Our Services

Clarity first • Responsible credit • Your choice, your pace

OUR STORY

Credit should feel clearer, not more complicated.

Borrowers can face multiple EMIs, high repayment commitments, unfamiliar loan terms and uncertainty about which option to consider first. Finding and comparing possible solutions can take time and feel confusing.

ShiftEMI brings debt assessment, loan discovery and credit-health guidance into one digital experience. Our aim is to help people understand their position, explore relevant options through appropriate financial partners and make decisions with greater confidence.

Transparency

Understand the costs, terms and implications of the financial options you consider.

Customer first

Explore options in the context of your needs and individual financial circumstances.

Responsible credit

Consider affordability, repayment obligations and the total cost before borrowing.

ONE PLATFORM · THREE PATHWAYS

Different financial needs. One place to begin.

Explore three connected pathways for existing debt, new financing and credit-health support.

01 / 03 Scroll to flip through

about-shift.png EXISTING REPAYMENTS

01 / 03 Already have EMIs?

ShiftEMI

For existing repayments

Explore eligible debt-consolidation and balance-transfer options for existing loans and credit-card dues. Review the potential costs, terms, and repayment structure to understand whether an alternative may suit your circumstances.

Review existing loans and card dues together.

Compare EMI, rate, tenure, fees and total repayment.

Explore ShiftEMI

A professional exploring financing options

about-start.png NEW FINANCING

02 / 03 Planning something new?

Start / New EMI

For new financing needs

Explore potential financing options for personal expenses, business requirements, home purchases, or loans against property through suitable lending partners, subject to eligibility and available products.

Personal, business, home and LAP options.

Routed through relevant lending partners.

Explore Loan Options

about-resolve.png CREDIT HEALTH

03 / 03 Want a stronger profile?

ResolveEMI

For credit health and progress

ResolveEMI is designed to bring credit-building guidance and financial-health support together. BUILD supports eligible new-to-credit and thin-file customers; IMPROVE focuses on credit-health insights and responsible credit-management guidance.

BUILD for new-to-credit, IMPROVE for existing borrowers.

Personalised action plans and progress tracking.

Explore ResolveEMI

Three journeys, one connected platform. As your needs change, the relevant pathway is ready when you are.

HOW WE THINK

Understand first. Explore next. Decide with confidence.

We believe that better financial decisions begin with a clearer understanding of your situation.

Understand your needs

Start with your existing obligations, financial goals, or credit-health concerns.

Explore relevant options

Use the information and guidance available to identify potential next steps and suitable alternatives.

Review before proceeding

Consider interest rates, fees, tenure, total repayment, eligibility requirements, and other applicable terms.

Take your next step

Proceed only when you understand the available terms and feel comfortable with your decision.

THE SHIFTEMI APPROACH

Built around your financial journey, not just a single transaction.

Our purpose is to make financial information easier to understand while keeping responsible decisions at the centre.

Technology with purpose

We are developing AI-enabled tools and intelligent workflows to help organise financial information and make repayment scenarios easier to understand.

Our vision

To make credit simpler, more transparent and more manageable for every Indian borrower.

Our mission

To help people manage existing debt, explore suitable credit options and build healthier financial habits through technology and responsible partnerships.

Continuous improvement

We aim to support customers throughout their journey, from understanding existing debt to exploring credit-health resources and next steps.

OUR COMMITMENT

Financial confidence starts with transparency.

Your financial information deserves careful handling, and your decisions deserve clarity. We aim to explain available options clearly and help customers understand what a service can—and cannot—promise.

ShiftEMI does not lend directly. We aim to facilitate access to financial products and services through relevant banks, NBFCs and other eligible partners, subject to applicable arrangements. Lending decisions remain with the financial institution. Loan approval, lower EMIs, savings and credit-score improvement are not guaranteed. AI-enabled features described here may still be under development.

Clear information about services, processes and applicable terms.

Encouragement to compare fees, interest rates, tenure, affordability and total repayment.

Respect for consent when personal or financial information is requested.

Honest communication that eligibility, approval and outcomes depend on individual circumstances and lender criteria.

YOUR FINANCIAL JOURNEY CAN START HERE

You don't have to figure it out alone.

Start by understanding your current position and identifying the actions that make sense for your circumstances.

Explore Your Options

Eligibility, approval and outcomes depend on individual circumstances and the relevant financial partner.