Avail Debt Consolidation

“Stop juggling multiple due dates and high-interest rates; merge all your debts into one single, manageable EMI and take back control of your monthly budget.”

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₹
₹10K ₹1Cr
Months
1 - 360
%
1% - 36%
Monthly EMI
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Total Interest
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Total Amount
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What is a Debt Consolidation Loan?

A debt consolidation loan is a type of personal loan that allows you to consolidate multiple existing debts—such as outstanding credit card balances, or other personal loans—into a single loan with one fixed monthly repayment. By consolidating your debt into a single repayment plan, this loan simplifies your finances rather than requiring you to manage multiple due dates and interest rates. With it, all of your debts can be paid off with one loan, leaving you with only one debt to repay. With a debt consolidation loan from IDFC FIRST Bank, you can reduce financial stress, streamline your debt, and manage your budget more effectively. It provides you the convenience of a single EMI, zero foreclosure charges, lower interest rates, and higher loan amounts up to ₹15 lakhs for a healthier credit history.

Debt Consolidation FAQs

A debt consolidation loan is a personal loan used to pay off existing debts. It simplifies your payments by consolidating multiple loans into a single monthly payment.
You can apply for a personal loan for debt consolidation through the Capito Finance Solutions website or mobile banking app simply by scanning the QR code.
Eligibility criteria atCapito Finance Solutions may differ based on individual profiles. Generally, you need to meet age and income requirements, as mentioned above.
Yes, the loan amount is deposited into your savings account with IDFC FIRST Bank, which you can then use to pay off your other loans.
You can consolidate multiple high-interest debts, such as existing personal loans and credit card balances, into a single loan with IDFC FIRST Bank’s debt consolidation loan.

Core Values

Customer Centricity

Every decision we make is guided by what’s best for our customers. We listen, understand, and deliver solutions that truly meet their needs.

Innovation

We continuously innovate to improve our services, leveraging technology to create better, faster, and more convenient financial solutions

Collaboration

We believe in the power of teamwork and partnerships working together with customers, partners, and colleagues to achieve common goals.

Excellence

We strive for excellence in everything we do, from customer service to product development, always aiming to exceed expectations.

Integrity

We conduct business with the highest ethical standards, maintaining transparency and honesty in all our interactions and processes.

Sustainability

We are committed to sustainable business practices that benefit our customers, communities, and the environment for generations to come.

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