DEBT PLANNING TOOL

Debt Health & Restructuring Planner

See your loans together — outstanding balance, EMI burden, estimated interest, due dates, loan closure, partial prepayment and restructuring scenarios.

CLARION DEBT PLANNER

Build your debt statement

One view of all your loans.

Enter approximate figures from your latest loan statements. For a variable income, use a representative monthly average.

Your current debt

Add each loan separately. You can include personal loans, bank loans, vehicle loans or other EMI-based debt.

Loan	Outstanding (₹)	Rate % p.a.	EMI / month (₹)	Remaining months	Due day

For the most reliable interest estimate, enter the current outstanding balance, current EMI and remaining tenure shown by the lender.

Cash-flow context

These figures help Clarion assess whether the EMI burden is manageable.

Average monthly take-home income (₹)If income varies, use an average over the last 12 months.Liquid savings / emergency reserve (₹)

Loan closure & partial prepayment

Choose a loan and test whether available cash can close it or partially prepay it. The tool shows illustrative EMI and interest effects.

Selected loan IDCash available for full closure (₹)Foreclosure / closure charges (₹)Partial prepayment cash (₹)Partial prepayment charges (₹)Target tenure for EMI-reduction illustration (months)

Illustrative consolidation scenario

Enter a rate and tenure from a potential lender offer. The tool will compare the numbers with your current EMI structure.

Proposed consolidation rate % p.a.Proposed new tenure (months)Processing / other fees (₹)Potential prepayment amount (₹)Optional. Do not use emergency funds for prepayment without reviewing liquidity needs.

Enter your loans and click Analyse My Debt to generate your Clarion debt statement.

Important Note

This planner provides illustrative estimates based on the information entered. It is not a lender quote, refinancing recommendation or guarantee of savings. Actual loan terms, foreclosure charges, processing fees, floating rates and repayment schedules can differ. A personalised debt review should use current lender statements and written offers.