u/Adventurous_Leek_495

Hi everyone,

I’m currently facing financial stress due to multiple ongoing loan repayments and I’m trying to handle the situation responsibly before it gets worse.

Our total debt is around ₹2 lakh, and the current monthly EMI burden has become difficult to manage alongside regular living expenses. My husband has recently started a stable job again, so income is improving gradually, but right now the cash-flow pressure is heavy because of multiple repayments and a couple of overdue EMIs.

Current CIBIL scores:

- Mine: 664

- Husband’s: 504

I’m exploring options like:

- debt consolidation,

- EMI restructuring,

- or any practical way to reduce monthly repayment pressure.

I’m not trying to avoid repayment. I genuinely want to recover financially in a responsible way without getting trapped in risky loan apps or making bad decisions out of panic.

I would really appreciate advice from people who have experience with:

- debt consolidation in India,

- lenders/NBFCs that may consider moderate CIBIL profiles,

- restructuring vs settlement,

- handling overdue personal loans,

- or genuine financial counselling services.

Any practical advice or experiences would really help.

Thank you.

Hi everyone,

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I work full-time for a foreign client with no presence in India, so my income comes as foreign remittance. I’m GST-registered since my annual income exceeds ₹20L. I’ve purchased work-related items like a laptop and office chair and paid GST on them. Since I don’t have any Indian clients to charge GST, can I claim a refund on this input GST or utilize it in any way?

Does Section 44AD apply only to goods-related businesses, or does it also apply to both goods and service-based businesses?

I met a local CA, and he informed me that I am not eligible for Section 44AD because it applies only to goods-related businesses and not to businesses that offer only digital services. I told the CA that I know some people who file under Section 44AD for digital marketing businesses (offering only digital services). The CA asked me to provide a reference so he can review it again and determine whether my taxation can be filed under 44AD.

My Business involve digital services like Advertising on Ad network (With own money) and lead generation. I am not freelancer, consultant, support engineer, technical assistant and agency. My Digital business involve proper risk taking of capital.

Kindly provide your feedback and references on whether Section 44AD is applicable to digital service businesses. If yes, how can I convince my CA to review this and file under 44AD?