Frequently Asked Questions

DebtFix Solutions is a social fintech platform that facilitates debt relief assistance draws. Loan borrowers can register their active loans to participate in periodic draws funded by the platform's consolidated debt relief pools. Selected winners receive partial or full debt settlement packages paid directly to their lending bank.

No. The DebtFix Solutions program is 100% free of charge for all borrowers. We do not collect payments, processing fees, or deposits at any stage of registration, ticket issuance, or draw payout. Any entity asking for money in exchange for winning lottery entries is fraudulent.

Every 15 days, our randomized draw engine operates. To guarantee fairness, we use a cryptographically secure random number generator (CSPRNG) in PHP combined with a public seed. A SHA-256 hash is published for every draw which ensures results cannot be pre-determined or altered. Complete audit logs and seed registry are published on the Results page.

Verification scores are based on the documents you upload during registration:
- Bronze Verified: 0 documents submitted.
- Silver Verified: 1 document (EMI Schedule or Sanction Letter) submitted.
- Gold Verified: 2 documents (EMI Schedule + Sanction Letter) submitted.
Having a higher verification score increases verification trust and expedites your payout verification when your ticket is selected.

If your ticket is selected, you will receive an automatic email and SMS alert. You will also see a congratulations banner inside your Ticket Dashboard. Our audit team will coordinate directly with your bank to arrange the relief payout. You do not need to pay anything; the funds are transferred directly to your loan account to reduce or settle the outstanding balance.

To ensure fair distribution, a single individual (identified by PAN card) is allowed to register only one active loan. The system implements anti-duplicate matching checks. Any attempt to register duplicate loan accounts or PAN cards will be automatically rejected by our security filters.

We accept almost all major regulated retail loans, including Personal Loans, Home Loans, Vehicle Loans, Education Loans, MSME/Business Loans, Agriculture Loans, Gold Loans, and Credit Card Debt. The loan must be active and at least 6 months old.