If your priority is paying the least possible amount to clear your debts, the avalanche method is the mathematically optimal way to do it, and it's simpler than it sounds: pay the minimum on every debt, then direct every spare rupee at whichever single debt has the highest interest rate, until that one is fully gone — then move to the next-highest.
Here's how it plays out with real numbers. Say you have a ₹60,000 credit card at 36%, a ₹1,00,000 personal loan at 14%, and a ₹3,00,000 car loan at 9%. Avalanche says: keep all three minimums current, then throw every extra rupee at the card first. Once that's cleared, the same extra amount — now larger, because you've freed up what was its minimum — moves to the personal loan, and finally the car loan.
Why this minimises total cost: the highest-rate debt is bleeding you the fastest every single month it survives. Eliminating it first stops the most expensive leak as early as possible, and every rupee you'd have spent on its future interest is saved entirely.
The honest trade-off: if your highest-rate debt also happens to be your largest, avalanche can take a while before you see any single debt actually disappear — which some people find demotivating, even though it's saving them the most money. It's the colder, more efficient choice; whether it's the right one for you depends on whether you're driven more by the math or by visible milestones.