Bring obligations into view
Organise your existing loans and card dues so you can review the full repayment picture.
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SHIFTEMI · DEBT CONSOLIDATION
Too Many EMIs?
Too Many EMIs?
Find a clearer way forward.
Combine your loans and credit-card dues into a simpler repayment plan. Explore eligible balance-transfer and debt-consolidation options and compare them before you decide.
Clear Options • Transparent Process • Assisted Support
ShiftEMI facilitates applications; it is not a lender. Any offer depends on lender eligibility,
assessment and terms.
Review Existing Debt
Understand your obligations
Explore Alternatives
Consolidation or balance transfer
Compare The Full Cost
Not just the monthly EMI
Assisted Support
Guidance through the journey
QUICK EMI SNAPSHOT
Your numbers. Your estimate.
Complete the details to see your potential EMI comparison.
YOUR POTENTIAL RESULT
Estimated EMI
₹ 0
/ month
Save up to
35%
on your EMI
- Potentially lower interest rate
- One single monthly payment
- A clearer repayment plan
Illustrative estimate — assumes a reduced rate and longer tenure. Actual terms depend on lender eligibility.
YOUR EMI ESTIMATE
Monthly EMI
₹ 0
Principal Amount₹ 0
Total Interest₹ 0
Total Repayment₹
0
Illustrative estimate. Actual terms depend on lender eligibility.
A lower EMI can sometimes mean a longer tenure and more interest overall. Compare the full cost before switching.
A BETTER VIEW OF YOUR DEBT
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REVIEW FIRST
It's not only about a lower EMI. It's about the whole picture.
When repayments are spread across different loans and credit cards, it can be harder to understand the total cost, due dates and long-term impact. ShiftEMI helps you review your current obligations and explore eligible alternatives through lending partners.
Review eligible personal loans and credit-card
obligations.
Explore debt consolidation or balance-transfer
pathways.
Compare the proposed EMI alongside rates, tenure, fees and
total repayment.
Decide only after reviewing the terms and potential overall
benefit.
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REVIEW FIRST
The full pictureEMIs, dues and total cost
Explore eligible alternatives
Check whether a partner may offer a suitable consolidation or balance-transfer option.
02Compare the real cost
Consider interest, processing fees, tenure and total repayment—not only the EMI amount.
03Know the next steps
Understand the application journey and the lender's role before choosing to proceed.
04
IS SHIFTEMI RIGHT FOR YOU?
Start with the repayments you already have.
ShiftEMI is designed for borrowers who want to review existing obligations and explore whether a different repayment structure may be suitable.
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01 · Multiple loans
Several EMIs every month?
Review multiple loan repayments together and explore whether eligible debt can be consolidated into a simpler structure.
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02 · Card outstanding
Balancing loan and card dues?
Explore whether a suitable balance-transfer or consolidation product is available for eligible outstanding balances.
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03 · Reviewing costs
Looking for a better structure?
Compare available terms carefully to see whether a potential change makes sense for your circumstances.
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HOW SHIFTEMI WORKS
Review. Compare. Then decide.
A guided process that starts with your existing obligations. Any lending decision remains with the financial partner.
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GUIDED PROCESS
5 clear stepsFrom review to disbursal
STEP 01
Share details & consent
Tell us about your existing obligations. Information and credit data are handled subject to consent and applicable requirements.
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STEP 02
Review your obligations
Relevant details are reviewed to understand the current repayment picture and identify which options may be worth exploring.
STEP 03
Explore lender matches
Where partner products and eligibility criteria permit, we can route your application towards relevant options.
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STEP 04
Compare the offer
Review EMI, rate, tenure and charges against your current obligations. Never switch on EMI alone.
STEP 05
Lender assessment
The partner completes its own KYC and underwriting. You decide whether to accept; approval and settlement are not guaranteed.
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GOOD TO KNOW
Questions about ShiftEMI?
Understand what consolidation can mean and what to check before proceeding.
What is debt consolidation?
Debt consolidation generally means combining eligible existing debts into a new repayment arrangement or loan. Whether this is available and suitable depends on lender products, your profile and the terms offered.
Will ShiftEMI guarantee a lower EMI?
No. A lower EMI is not guaranteed. Any potential benefit depends on eligibility and the actual offer. Compare interest rate, tenure, fees, total repayment and costs associated with closing existing loans or facilities.
Is ShiftEMI a bank or NBFC?
No. ShiftEMI operates as a loan facilitator. The relevant regulated bank, NBFC or approved financial partner is responsible for its own underwriting, sanction and disbursal decisions.
Will applying affect my credit score?
The impact, if any, depends on the lender's process and whether a credit bureau enquiry or other credit-report activity occurs. Ask what checks will be performed and provide consent before any permitted credit report access.
What should I compare before accepting a balance-transfer offer?
Review the interest rate, processing and other fees, tenure, monthly EMI, total repayment, prepayment or foreclosure charges, and how existing facilities will be settled. A lower EMI alone does not establish that an offer costs less overall.
Who approves and disburses the loan?
The financial partner evaluates the application, completes KYC and underwriting, and decides whether to sanction and disburse. ShiftEMI does not itself lend or guarantee approval.
COMPARE. SWITCH. SAVE — WHERE SUITABLE.
Ready to review your existing EMIs?
Start with your current obligations and explore whether an eligible alternative may fit.
Check My Options
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YOUR NEXT STEP
Important information: ShiftEMI is a proposed digital credit and loan-facilitation platform, not a bank, NBFC or lender. This page describes the intended service and should be reviewed against the final operating model, lender partnerships and applicable legal requirements before launch. Loan eligibility, pricing, approval, sanction, balance transfer, settlement and disbursal are subject to the respective financial partner's policies, underwriting, documentation and terms. A lower EMI or savings are not guaranteed. Customers should review all fees, tenure and total repayment before accepting an offer.