Debt Restructuring Tool
Model your current debt against proposed restructured terms. Calculate EMI savings, total interest reduction, and break-even on refinancing costs.
Current Debt Structure
Your existing loan as it stands today
Lakhs
Enter in lakhs. E.g. 50 = ₹50 Lakhs
% p.a.
months
Proposed Restructured Terms
Target terms after restructuring or refinancing
% p.a.
The rate you expect to negotiate or refinance at
months
Proposed repayment period under new terms
% of loan
Typical range: 0.5%–2% of outstanding (processing fees, legal, prepayment charges)