₹ DEBT FREE PLAN ✓ APPROVED ✦ ✦ ✦ ✦
About Loanosoar

We exist for one reason
to get Indians debt-free.

Karza khatam karo. Zindagi shuru karo.

Loanosoar was built by a team of finance professionals, chartered accountants and legal advocates who watched too many ordinary Indians get crushed by predatory lending, aggressive recovery agents and compounding interest with no one in their corner. We decided to change that.

500+Clients debt-free
80+Years combined expertise
20+Years CA experience
10+Years advocacy experience
4.9★Average client rating
Our story

Why Loanosoar exists

In India today, millions of people are trapped in debt not because they are irresponsible, but because the system is designed against them. Credit cards charge 36 to 42% annual interest. Instant loan apps charge penalty interest that compounds daily. Banks use recovery agents who cross every legal line. And most people have no idea they even have rights in these situations.

Our founding team Chartered Accountants, Advocates, Company Secretaries, ACCAs and senior finance leaders had spent years working inside banks, NBFC structures and legal systems across India, UK and UAE. We had seen the machine from the inside. We knew how lenders thought, how settlements were negotiated, how recovery agents operated and exactly what levers could be pulled in a borrower's favour.

"We were watching people lose sleep, lose marriages, lose jobs because of debt situations that were absolutely fixable. They just didn't have anyone to help them."

The founding team, on why Loanosoar was built

So we built Loanosoar. Not a call centre. Not a generic financial app. A personalised advisory service where every client gets a dedicated expert who understands their exact situation and builds a written plan to resolve it completely. Credit cards, bank loans, digital lending apps, BNPL, recovery agents, CIBIL damage, legal notices everything handled in one appointment.

The ₹499 fee is deliberately low. We believe expert financial help should not be a luxury. A person who is already struggling under a debt burden should not have to pay a consultant lakhs to get out of it. We built this to be accessible and we built it to actually work.

Our mission

To make expert debt resolution accessible to every Indian regardless of how large or complex their debt situation is. No one should remain trapped in a debt spiral simply because they couldn't afford professional help or didn't know their rights.

Our promise

Every client gets a real expert, not a call centre agent. Every consultation results in a written plan specific steps, timelines and priorities. We stay with you via email and WhatsApp until your debt is resolved. No vague advice. No verbal promises.

The experts behind your case

A team built for every debt situation

When you book with Loanosoar, your situation is reviewed and assigned to the most relevant specialist. Here is who works on your case.

CA📊
20+ Years

Chartered Accountant

Tax, restructuring and lender negotiation

Over two decades of CA practice in Indian taxation, financial restructuring, audit and IND AS reporting. Our CA handles all formal financial documentation, settlement negotiations with banks and NBFCs, income tax assessments related to debt write-offs and official lender communication that requires qualified professional backing.

Income TaxGST ComplianceFinancial RestructuringIND AS ReportingBank NegotiationOTS Documentation
ACCA🌍
International Qualification

ACCA / CMA / CPA

For clients with income or assets outside India

If you are an NRI, someone who works abroad or someone with loans from overseas lenders, the rules around your debt are different from a standard Indian borrower. Our internationally qualified professional understands how money moves across borders, what your actual liability is under different jurisdictions, and how to structure a resolution that works for your specific situation without creating new problems elsewhere.

NRI Debt SituationsOverseas IncomeCross-border LoansInternational Borrowers
⚖⚖️
10+ Years

Legal Advocate

Debt law, recovery agent rights, legal notices

Specialist in debt recovery law, banking litigation, SARFAESI proceedings, DRT matters and consumer protection cases involving illegal recovery agent conduct. When a lender sends a Section 138 NI Act notice, a legal summons or initiates arbitration our advocate reviews every document, drafts the correct response and protects your rights at every step.

Debt Recovery LawSARFAESIDRT MattersSection 138 NI ActBanking LitigationConsumer Protection
CS🏛️
10+ Years

Company Secretary

For business owners whose company debt is becoming personal

When a small business or partnership goes through financial difficulty, the line between business debt and personal debt can get dangerously blurry. Directors can sometimes be held personally liable for company borrowings. Our Company Secretary makes sure that when we negotiate your business debt, we are also protecting you personally so the resolution does not come back to bite you later in a different form.

Business vs Personal LiabilityDirector ProtectionMSME DebtPartnership Debt
CMA💹
10+ Years

ICWA / CMA Associate

For business owners whose business debt is pulling them under

When a business owner comes to us with loans they cannot repay, the problem is rarely just the loan itself. Something in the business stopped working. revenue dropped, costs got out of control, a big client left. Our ICWA specialist looks at the actual numbers, finds where the money is going, and helps build a realistic picture of what the business can afford to repay. That picture is what we use when negotiating with lenders.

Business Debt AnalysisMSME LoansWhat Can You Afford to RepayLender Negotiation Support
CFO🌐
11+ Years Experience

Senior Finance Leader

The person who built Loanosoar after seeing how the system really works

Spent over a decade working inside banks, financial institutions and international finance operations across India, UK and UAE. Has sat on both sides of the table. as the person negotiating debt settlements with lenders, and as the advisor protecting borrowers. Understands exactly how banks decide who to settle with, when they back down, and what documentation actually moves them. That inside knowledge is what Loanosoar is built on.

Bank NegotiationDebt SettlementLender BehaviourBorrower ProtectionIndia · UK · UAE
Real people. Real situations. Real results.

Stories from people who chose Loanosoar

These are not fabricated testimonials. These are real situations the kind we handle every week. The details reflect exactly the cases our advisors work on.

Ramesh K.
Mumbai, Maharashtra
Credit cards + Recovery agents
OutcomeDebt-free in 14 months
★★★★★

"The calls wouldn't stop. Not even on Sunday at 7AM."

Ramesh had accumulated four credit cards over six years all from reputable banks using them for home renovation, his daughter's school fees and two medical emergencies. When his income dropped during a business slowdown, he began paying only the minimum. Within 18 months, his combined outstanding had grown to ₹4.2 lakh despite making regular payments. Recovery agents began calling him, his wife, his mother and his office colleagues daily. Sometimes multiple times before 8AM.

When Ramesh came to Loanosoar, his first question was "Can they legally call my mother?" The answer was no and within 8 days, the calls stopped completely. Our advocate drafted formal cease-contact letters and an RBI Ombudsman complaint. Our CA then negotiated an OTS with two of the four card issuers, reducing the combined settlement amount to ₹2.8 lakh. A 14-month structured repayment plan was created for the remaining two cards aligned to Ramesh's actual income after household expenses.

"I didn't know I had rights. I thought I had to just accept whatever the bank said and the agents did. Loanosoar changed everything. My wife said it was like we could breathe again."
Sunita M.
Pune, Maharashtra
Bank loans + EMI overload
OutcomeEMI reduced by ₹12,000/month
★★★★★

"After EMIs, I had nothing left for groceries."

Sunita is a schoolteacher in Pune. Her take-home salary was ₹42,000 per month. Over four years she had taken a personal loan for her brother's wedding, a top-up loan for her home, and a small business loan to set up a tuition centre. The tuition centre never took off. Her total monthly EMIs had reached ₹28,000 leaving ₹14,000 for rent, food, transport and everything else. She was using her credit card to buy groceries and then unable to pay the card bill.

Our CA mapped every loan principal outstanding, remaining tenure, interest rate and lender flexibility. Two of the three loans were with NBFCs that had restructuring provisions she wasn't aware of. Our team negotiated a moratorium on one loan and an extended tenure on the other, reducing combined EMIs by ₹12,000 per month. The credit card outstanding was put on a 9-month settlement plan. Sunita's total monthly obligation came down to ₹16,000 giving her enough to live without borrowing.

"I was ashamed. I felt like I had made bad decisions and was being punished for it. But the advisor never judged me just looked at the numbers and found a way through. I wish I had done this two years earlier."
Amit D.
Delhi NCR
Instant app loans + CIBIL crash
OutcomeCIBIL 490 to 682 in 9 months
★★★★★

"I downloaded one app. Then five more. Then I was drowning."

Amit works in logistics in Delhi. During a particularly slow quarter, he downloaded an instant loan app to cover a month's shortfall. The loan came instantly, at an interest rate he didn't fully read. When he couldn't repay on time, the penalty interest kicked in and he took another app loan to cover the first. Then another. Within 8 months he had active outstanding loans on six different digital lending apps, with a combined outstanding of ₹1.8 lakh more than double what he had originally borrowed. His CIBIL score had fallen to 490. He was getting rejection messages from banks before he even finished the application.

Our CA mapped every loan, calculated the actual outstanding after stripping penalty charges that exceeded the principal several of which were legally challengeable. We negotiated OTS directly with three of the six lenders, achieved penalty waivers on two, and restructured the remaining. Amit followed the CIBIL recovery roadmap our team built specific accounts to settle in a specific order, timed to maximise credit score impact. Nine months later, his CIBIL stood at 682 and all outstanding loans were cleared.

"The plan they gave me was like a map. Every step was clear do this, then this, then this. I never felt lost. And every time I had a question, the advisor replied. That consistency made all the difference."
How we work

What every Loanosoar client experiences

🎯

Right expert for your case

Your situation is assessed and routed to the most relevant specialist CA, Advocate, CS or Finance Leader based on the specific nature of your debt. Not a generic advisor reading from a script.

📄

Written plans, not verbal promises

Every consultation ends with a written action plan specific steps, exact timelines and priorities. You never leave a session with only "advice" that evaporates after the call ends.

🔒

Complete confidentiality

Your financial situation, your identity and every detail of your consultation is protected by professional confidentiality. We do not share client information under any circumstances.

⚡

24-hour response guarantee

Your advisor is assigned and makes first contact within 24 hours of confirmed payment. Financial distress does not respect business hours and neither do we.

💰

Payment before session always

We require payment before any advisory begins. This is a professional standard not a restriction. It guarantees your advisor gives 100% focused attention to your case from the first minute.

📞

Support until debt-free

Your advisor remains available via WhatsApp and email throughout the resolution process not just for the initial session. We stay with you until your debt is fully resolved.

Common questions about Loanosoar

Everything you want to know before booking

Is Loanosoar a bank or registered NBFC?
No. Loanosoar is a financial advisory service not a bank, NBFC or licensed lender. We do not lend money. We advise clients on how to resolve existing debt situations, negotiate with their lenders and protect their legal rights. Our team holds professional qualifications in Chartered Accountancy, Law, ACCA and Company Secretarial practice.
How is Loanosoar different from a debt settlement company?
Debt settlement companies typically charge a percentage of the settled amount often 15 to 25% and may hold your payments in escrow while your accounts deteriorate. Loanosoar charges a single flat ₹499 appointment fee. We advise you, arm you with the right documentation and negotiate on your behalf but you remain in full control of your own accounts and money at all times.
Can you really stop recovery agent harassment?
Yes. Recovery agents in India are legally bound by the RBI Fair Practices Code, DRA Guidelines and the Consumer Protection Act. They cannot call before 8AM or after 7PM, cannot contact family members, cannot use abusive language and cannot visit your workplace without appointment. When these rules are violated and they frequently are formal RBI Ombudsman complaints, demand letters and legal notices produce fast, documented results.
What if my debt is too large or too complicated?
There is no debt situation too large or too complex for our team. We have handled cases ranging from ₹50,000 in credit card outstanding to ₹50 lakh in combined business and personal debt across multiple lenders. The complexity is exactly why we exist most people cannot navigate these situations alone.
Do you work only in certain cities?
No Loanosoar operates entirely online, across all of India. Your advisor connects with you via phone, WhatsApp and email. There are no office visits required. Clients from Mumbai, Delhi, Pune, Bangalore, Hyderabad, Chennai, Ahmedabad and hundreds of smaller cities and towns across India have been served.
What happens after I pay ₹499?
After payment, we receive a notification automatically and reach out to you within 24 hours. No confirmation needed. Your dedicated personal advisor will contact you within 24 hours to schedule your consultation session. The session covers your complete debt situation all loans, cards and apps. You will receive your written debt resolution plan after the session.

Ready to get debt-free?

Book your appointment. Your dedicated advisor contacts you within 24 hours with a written plan to resolve every debt you have.