Consolidation cash-flow table: show relief and extra cost separately
A consolidation proposal can reduce monthly payments while increasing the full amount repaid. A useful table shows both outcomes clearly so the trade-off is not hidden behind one attractive instalment.
Compare the future from today
List each existing debt's remaining payments and end date. Add them to create the keep-existing-debts scenario. Then list every replacement payment, upfront cost and old-account closure cost. Include debts that will remain outside the consolidation. Separate new top-up cash from the amount used to replace old balances. Use actual written schedules rather than comparing original sanctioned amounts.
A worked situation
If existing remaining repayments total ₹5 lakh while a proposed new schedule totals ₹7.2 lakh before additional costs, the replacement has ₹2.2 lakh more scheduled outflow. A smaller monthly collection may still provide cash-flow relief, but the extra total should remain visible.
Your next-step checklist
- Compare only future payments from the decision date
- Include debts not being replaced
- Show monthly relief and total-cost change separately
Is one EMI automatically better than several?
It may simplify administration, but the financial result depends on costs, term and repayment discipline. Compare the complete cash flows and verify that planned old-account closures actually occur.
Official references and further reading
These links help you check current information. A provider-specific page describes that provider’s process; it is not a universal eligibility rule or a claim of partnership.
General educational information, not a personalised credit recommendation. Examples use assumed inputs. Rates, charges, eligibility and documents vary; confirm your own lender’s current written terms.