Month 1-2: Get Your Credit Report
Download your free CIBIL report from official sources. Identify all active accounts, errors, and settled accounts still showing balances.
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KARZMAAF
FINANCIAL ADVISORY SERVICES
Your Partner In Debt Relief
Your Partner In Debt Relief
Calculators, checklists, and guides to help you understand your debt, plan your repayment, and rebuild your credit — completely free, no signup required.
Enter your loan details to see your monthly EMI and estimate potential savings through settlement.
What % of total outstanding you might pay after negotiation (typical: 40-60%)
Downloadable guides, checklists, and templates to help you navigate debt relief on your own terms.
Step-by-step checklist to rebuild your CIBIL score from 600 to 750+ in 12 months. Includes monthly milestones.
Download FreeComplete guide to your rights under RBI guidelines — recovery agent rules, fair practices code, and grievance redressal.
Download FreeExcel template to track income, expenses, EMIs, and savings. Auto-calculates your debt-to-income ratio.
Download FreeReady-to-use templates for issuing legal notices to banks and recovery agents — anti-harassment, dispute, and complaint letters.
Download FreeCalculate your DTI ratio — the key metric banks use to evaluate loan applications. Know where you stand.
Calculate NowAre you ready to negotiate? Use this 15-point checklist to ensure you have everything in place before settlement talks.
Download FreeA proven step-by-step roadmap to rebuild your credit score after settlement.
Download your free CIBIL report from official sources. Identify all active accounts, errors, and settled accounts still showing balances.
Raise disputes for any incorrect entries, duplicate accounts, or outdated information. CIBIL must respond within 30 days.
Apply for a secured credit card against a fixed deposit. Use it for small purchases and pay the full bill on time every month.
Keep your credit card spending below 30% of your limit. High utilization signals financial stress and lowers your score.
Once your score crosses 700, consider a small consumer durable loan or two-wheeler loan to build a healthy credit mix.
Check your CIBIL score quarterly. Never miss a payment. Avoid multiple loan applications within a short period.
Our advisors will walk you through every tool, calculate your exact savings, and create a personalized debt relief plan — completely free.