Personal Debt Restructuring

When EMIs outgrow the salary

A job change, a medical event, a family obligation — and suddenly half the income goes to EMIs. Personal debt restructuring renegotiates tenures and schedules with your lenders before missed payments turn into defaults.

Who this is for

• Salaried or self-employed individuals with EMI outflow above 50 percent of income.
• Borrowers already receiving collection calls who want a structured way out.
• Families who can pay — just not on the current schedule.

What we do

1. Confidential review of every loan and card outstanding.
2. Restructuring requests to each lender: tenure extension, EMI reduction, conversion of card dues to EMIs.
3. A single monthly plan you can actually sustain.

Important: all restructuring and settlement outcomes are subject to lender approval and policy. Restructured or settled accounts are reported to credit bureaus and can affect credit scores. MahadevX acts as an advisor and facilitator; final decisions rest with the lender.

Talk to a MahadevX advisor today. Call +91 98710 01985, start an application or request a callback. Free initial assessment, complete confidentiality.