Saved ₹38,400 on a ₹12 L personal loan. I’d budgeted for those charges from my pocket — got to spend it on the actual reason I took the loan.
Anisha Krishnan
Product manager · Mumbai
₹38,400
₹12L personal
i.Zero-charge loans · Made in India
Pay only
your EMI.
We pay your processing fee, insurance, and every other charge you'd normally pay. You pay your EMI. That's the whole deal.
- 12+RBIRBI-compliant lending partners
- 24hTATApproved in 24 hours
- 50LMAXLoans from ₹50K to ₹50L
Live in Mumbai. Bengaluru & Pune coming next. What's the catch?
Charges paid by us
Personal Loan
₹10,00,000
Lender
IDFC First Bank
- Processing fee₹15,000
- Insurance premium₹12,500
- Documentation₹2,500
- GST on charges₹5,400
- Credit report fee₹350
- Sub-total charges₹35,750
You pay
₹22,400
EMI / month · 60 months
Live · Karzero ledger
Anisha K.·Mumbai·saved on ₹12L personal·₹38,400just now
Vikram R.·Bengaluru·saved on ₹25L personal·₹62,1502 min ago
Priya S.·Mumbai·saved on ₹5L wedding·₹14,8006 min ago
Arjun M.·Pune·saved on ₹35L home·₹84,00011 min ago
Neha D.·Mumbai·saved on ₹8L medical·₹22,50018 min ago
Rohit T.·Mumbai·saved on ₹15L wedding·₹47,20024 min ago
Kavya N.·Bengaluru·saved on ₹11L renovation·₹31,20032 min ago
Suresh B.·Pune·saved on ₹20L business·₹56,80047 min ago
Anisha K.·Mumbai·saved on ₹12L personal·₹38,400just now
Vikram R.·Bengaluru·saved on ₹25L personal·₹62,1502 min ago
Priya S.·Mumbai·saved on ₹5L wedding·₹14,8006 min ago
Arjun M.·Pune·saved on ₹35L home·₹84,00011 min ago
Neha D.·Mumbai·saved on ₹8L medical·₹22,50018 min ago
Rohit T.·Mumbai·saved on ₹15L wedding·₹47,20024 min ago
Kavya N.·Bengaluru·saved on ₹11L renovation·₹31,20032 min ago
Suresh B.·Pune·saved on ₹20L business·₹56,80047 min ago
As featured in
THE ECONOMIC TIMESYOURSTORYINC42MINTNDTV PROFITMONEYCONTROL
ii.The manifesto
Every Indian loan claims
‘zero hidden charges’.
None of them mean it.
We took a different bet: show the math, openly. Lenders pay us a commission. Out of that, we pay your processing fee, insurance, GST, documentation, and credit report fee. Receipt level. Line by line.
You pay your EMI to your lender. That's the entire transaction. No surprise day-one charges. No ‘login fee’. No insurance bundled at 1.25% without your consent. No mythical ‘processing’ that costs ₹15,000 because someone's salary is paid in commissions.
This isn't marketing copy. Open your application dashboard and you'll see — to the rupee — what Karzero is paying on your behalf.
What you owe Karzero
₹0
Always. Not for this loan, not for the next one, not as a promo. As a model.
Our lending partners
Twelve+ RBI-compliant banks and NBFCs. Every offer below shows zero charges to you.
IDFC FIRST
AXIS BANK
BAJAJ FINANCE
HDFC BANK
ICICI BANK
KOTAK MAHINDRA
TATA CAPITAL
POONAWALLA
FEDERAL BANK
YES BANK
IDFC FIRST
AXIS BANK
BAJAJ FINANCE
HDFC BANK
ICICI BANK
KOTAK MAHINDRA
TATA CAPITAL
POONAWALLA
FEDERAL BANK
YES BANK
Showing partners we work with or are integrating. Loan offers vary by city and customer profile.
iii.The zero promise
What you pay everywhere else.
What you pay with us.
A line-by-line comparison. No marketing spin — just the receipt.
Everywhere else
Typical- Processing fee
- GST on processing fee
- Insurance premium
- Login fee
- Credit report fee
- KYC charges
- Documentation fee
- Legal & technical fee
You pay extra₹35,750
With Karzero
Always- Processing fee
- GST on processing fee
- Insurance premium
- Login fee
- Credit report fee
- KYC charges
- Documentation fee
- Legal & technical fee
You pay₹0
Every ✓ above is paid out of our partnership margin with lenders — never from your pocket.
xiii.The honest glossary
Six charges, translated to English.
Every loan document calls these things by their bank-approved names. Here's what they actually do to your bank account — and what Karzero pays so you don't.
A 1.5%–2.5% cut your lender takes from the loan amount before disbursing. There is no ‘processing’ that costs ₹15,000 — they’re recovering channel-partner commissions from you.
With KarzeroPaid by us · You owe ₹0
In plain language
Other lenders charge you for the privilege of giving them your business.
We took the opposite side of that bet. The lender pays us a commission; we pay your charges. You walk away with only an EMI to budget for. Same loan. Same lender. Better math.
iv.How it works
From ‘I need a loan’ to money in your bank. Four steps.
01
Tell us what you need
Loan type, amount, tenure. Takes about 60 seconds — we already know the boring parts.
02
We match you to lenders
Across 12+ banks and NBFCs. You see real, pre-qualified offers with full transparency.
03
We pay all the charges
Out of our lender commission — never from your pocket. Every ₹ shown to you, openly.
04
You get your loan
Disbursed in 24–72 hours. Track every step in real time. Pay only your EMI.
v.Live loan tracking
See every step.
In real time.
Most platforms show you three stages: applied, approved, disbursed. Karzero shows you all seventeen — with timestamps, owner (you, us, or the bank), and what's needed next.
- SMS + WhatsApp updates at every transition
- Know exactly where your file is, 24/7
- Average disbursal in 24–72 hours
9:41Karzero
Your loan
₹10,00,000
via IDFC First Bank
KYC verified
Today, 10:32 AM
Offer locked
Today, 10:35 AM
Documents submitted
Today, 11:02 AM
Bank reviewing
Credit approved
Sanction letter
Disbursed
Charges paid
₹35,750 covered by Karzero. You owe ₹0 in charges.
vi.Loan calculator
See what you'd pay with us vs. anywhere else.
Loan amount
₹10,00,000
₹50,000₹50,00,000
Tenure
5 years
1 year7 years
Interest rate
10.99% p.a.
8.5%18%
Side-by-side
Anywhere else
EMI / mo₹21,737
Total interest₹3,04,220
Processing₹15,000
Insurance₹12,500
Other fees₹5,550
Extra out of pocket
₹33,050
With Karzero
EMI / mo₹21,737
Total interest₹3,04,220
Processing₹0
Insurance₹0
Other fees₹0
You save
₹33,050
Check your real offers
Standard amortization. Real offers may vary slightly by lender & profile.
viii.Where we live
Live in Mumbai.
Pune & Bengaluru next.
We're launching city-by-city so we can actually meet customers, sit with lenders, and run the operation with the attention it deserves. Outside our cities?
Join the waitlist · We'll notify when your city goes live
- Mumbai· Live now
- Pune· Q1 2026
- Bengaluru· Q1 2026
- Hyderabad· 2026
- Chennai· 2026
- Ahmedabad· 2026
- Delhi-NCR· 2026
- Kolkata· 2026
Live
Mumbai · 12 lenders
Avg disbursal: 36 hours
xi.For loan agents
Earn 70% of our net margin. Watch it accrue in real time.
Karzero pays agents 70% of platform net margin per file — typically ₹6,000 to ₹15,000 per disbursal. We show you the exact computation per file, live. No more guessing what you'll get paid.
- Provisional → confirmed → paid commission, tracked live
- Per-file breakdown shown openly (no black box)
- Weekly payouts. TDS handled. Statements ready for tax.
Agent dashboard
Pipeline summary
12
Files in process
₹84.5K
Confirmed
₹1.24L
Provisional
IDFC FIRST
Loan
₹15,00,000 · Personal
Commission breakdown
- Gross commission from IDFC+₹35,000
- Processing fee absorbed₹5,000
- Customer insurance₹7,500
- Tech & platform cost₹150
Net margin₹22,350
Your share (70%)
₹15,645x.The numbers
Honest by the numbers.
No vanity metrics. No padded testimonials. Here's exactly where we stand.
i.
₹0
Charges paid by customers, ever
Zero. Verified.
ii.
12+
Lender partners (and growing)
Banks + NBFCs
iii.
24h
Average loan approval time
24–72 h disbursal
iv.
₹50L
Maximum loan amount
Personal · today
ix.Customer notes
The numbers people actually saved.
We don't farm reviews. These are written by real customers, cited with the actual amount we paid on their behalf. Show the math, get honest words.
The tracker is genuinely useful. I knew exactly when IDFC was reviewing, when sanction was issued. No follow-up calls.
Vikram Reddy
Restaurateur · Bengaluru
₹62,150
₹25L personal
I’ve worked as a DSA for 11 years. Karzero is the first platform that shows me the math openly. Per-file. Every time.
Tejas Patil
Loan agent · Pune
70% margin
14 disbursals / mo
vii.From the founder
Rohan Mehra
Co-founder & CEO
“
I took a ₹15 lakh personal loan for my sister's wedding in Aurangabad in March 2024. The bank quoted 10.99%. I paid ₹47,200 in ‘processing’ before I saw a single rupee. Nobody had highlighted it. It wasn't hidden — just normalised.
I spent the next eight months studying lender unit economics. The math is simple. Banks pay channel partners 2–3.5% commission. They recover that from the customer as ‘charges’. So the customer pays for the channel and the channel pays for itself.
We just changed who absorbs the charge. We do. You don't. That's the whole product.
Mumbai · Jan 2026
xii.FAQ
The honest answers.
Still skeptical? Good. Read these — especially the first one.
Can't find your answer? Contact us
No catch. Here's how it works: lenders pay us a commission when you take a loan through us — typically 2–3.5% of the loan amount. Out of that, we pay your processing fee, insurance, and other charges, and we keep the rest. The only reason this works is because we operate at high volume and negotiate hard with lenders. There's no kickback, no upsell, no fine print.
Loans. Karz zero.
Real loans. Real banks. Real zero charges.
Available in Mumbai. Bengaluru & Pune coming through 2026.