If staying motivated matters more to you than shaving off the last rupee of interest, the snowball method might suit you better than avalanche: pay the minimum on every debt, then direct every spare rupee at your smallest balance, regardless of its interest rate, until it's gone — then roll that payment into the next-smallest.
Here's a concrete run-through. Suppose you have a ₹15,000 personal loan, a ₹60,000 credit card, and a ₹3,00,000 car loan. Snowball ignores the interest rates entirely and goes straight for the ₹15,000 loan first, because it's the smallest. Clear that in a couple of months, and you've just freed up its entire payment to throw at the credit card — and you've also banked a real, visible win.
Why that win matters more than it might seem: debt payoff is often as much an emotional marathon as a financial one, and seeing an entire debt disappear — even a small one — creates genuine momentum to keep going. People who stick with a payoff plan for the long haul often do so because they felt early progress, not because they calculated the cheapest possible route.
The honest trade-off: snowball can cost you somewhat more in total interest compared to avalanche, because you're not always attacking the highest-rate debt first. But a method you actually finish beats a theoretically cheaper one you abandon halfway. If quick wins are what keep you going, that slightly higher cost is often worth paying.