Yes, our Basic dashboard and debt health assessment are 100% free forever. It includes your Debt Health Score, Debt Summary, Interest Leak Report, and Salary Day Cash Flow analysis.

How do you make money?

We offer premium subscription tiers (Lite and Shield) for advanced intelligence tools, continuous monitoring, and active harassment protection. For complex cases, our Shield+ service provides full debt negotiation for a performance fee.

Absolutely. We use bank-grade AES-256 encryption. We only use your PAN to fetch your credit report once you provide explicit consent, and we never share your raw PAN details.

Will this affect my credit score?

No, we perform a soft pull on your credit record which does not impact your Equifax or other bureau credit scores in any way.

What is debt restructuring in India?

Debt restructuring in India is the process of modifying the terms of an existing loan or credit obligation to make repayment more manageable. This can include extending the loan tenure, reducing the interest rate, or consolidating multiple debts. It is legally recognised in India under RBI guidelines.

Is debt restructuring legal in India?

Yes, debt restructuring is completely legal in India. The Reserve Bank of India (RBI) has established guidelines allowing banks, NBFCs, and other lenders to restructure loans for borrowers experiencing financial stress.

How to get out of credit card debt in India?

To get out of credit card debt in India: (1) Stop adding new charges. (2) List all outstanding balances and interest rates. (3) Prioritise paying off high-interest cards. (4) Consider EMI conversion. (5) Use a debt management platform like ExitDebt.

How to reduce EMI burden in India?

To reduce EMI burden, consider: (1) Requesting loan tenure extension. (2) Refinancing at lower rates. (3) Consolidating multiple loans. (4) Making partial prepayments. ExitDebt can analyze your situation and recommend the most effective strategy.

What is the difference between debt consolidation and debt settlement?

Debt consolidation combines multiple debts into a single lower-interest loan without reducing principal. Debt settlement involves negotiating a lower payment, which negatively impacts CIBIL scores. Consolidation is generally preferred for stable borrowers.

What is a Debt Health Score?

A Debt Health Score assesses your debt profile condition, considering outstanding debt, EMI-to-income ratio, repayment history, and more. ExitDebt uses this score to identify the most effective path to being debt-free.

Does debt restructuring affect CIBIL score?

Debt restructuring can be flagged on credit reports, but it is far less damaging than defaults or settlements. Proactively restructuring before missing EMIs is better for long-term credit health.

ExitDebt is a fintech platform based in India providing structured debt management and restructuring services for credit card debt, personal loans, and EMIs. It is operated by Aaditri GlobalTech Private Limited.

Can I manage multiple loans with one plan?

Yes, ExitDebt coordinate multiple loan obligations—including credit cards, personal loans, and vehicle EMIs—into a single repayment strategy to reduce your overall interest burden.

How long does it take to become debt-free?

Timeline varies by debt amount and income, but ExitDebt's strategy is designed to accelerate the process. Many users reduce their debt-free timeline by 30-50% compared to uncoordinated minimum payments.

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Debt feels overwhelming when you don't know your options. Our guides give you the knowledge banks never share — your legal rights, proven repayment strategies, and negotiation tools — so you can face your finances with confidence and find your way out.