Hi Piyush,
I am from India too and I have same condition like you. However, I have debt of 1.2 lakh and paying around 25k per month.
The problem is that I have 30000 salary and my emi is bigger than salary.
I have taken couple of loan (short term) loan from different NBFC banks.
I want to get out of this situation and I don’t know what to do.
I don’t family or friends who can help me to get out of this situation.
I hope everything will be okay and just have faith.