I am coming back to India with a loan of 21lakhs, I have done my master's in UK, I have cleared about 25lakhs until now,

You're in a good position with 3.5 years of experience in business analytics and fraud! 🧑‍💻 With your expertise, target roles that offer the best salary and benefits in India. Budget carefully and prioritize clearing the high-interest parts of your loan first!

You’ve got solid experience, both in India and the UK, so don’t doubt your worth! 💼 Once you land a good job, focus on budgeting to prioritize debt repayment. You can also look into refinancing options to make the terms easier.

How to clear debt - Good questions Here you go, shift your loan to banks like SBI, where you can make small repayments "n" number of times. I.e, Don't wait for monthly EMI date, rather keep on paying even small amounts daily or weekly. You will save huge interest rate and close loan asap! All these small payments goes to your principal! Nobody bank or agent will share these tricks, cos they want to make money out of you. Above is the trick to get rid of debts! Remember!

Find a job and focus on clearing your debts while saving as much as possible this should be your top priority. If you can, take on a few freelance projects or side hustles alongside your job to keep the money flowing. The goal is to eliminate your debt and create a stable financial foundation.