Precautions Is the stage where we help you not to take a loan in the first place. It is many times possible to postpone or manage a purchase without a loan. Cautions Once it is decided to take a loan or a loan is already in existance, we support you with plans to close the loan in advance, to be cautious with interest rate shifts, potential to shift the loan to a more economical one, etc. The Reminders Part of our service is to give timely reminders so that your bank account is funded for the loan EMI. Stories related to the penalities paid to the lending institutions and the banks for late payment and cheque/ ECS bounces, being comparable to the actual interest paid are many across the world. We will not allow such bitter experiences to occur in your life. Counseling In extreme cases of indebtedness, we offer counseling on managing the loans, your budget and other part of financial life to close loans as soon as possible. We are currently offering this particular service to over 250 employees in many companies. The counseling service also includes discussion with the creditors for favourable terms and settlment options.

Objective of Debt Management The objective of debt management service offered by Finerva, is to stop living our lives for others (by paying interest) and starting building our wealth.