How much will you actually save?
Drag the sliders. See the math. The number on the right is exactly what you'd hand over to anyone else, and exactly what Karzero pays for you instead.
See what you'd pay with us vs. anywhere else.
Loan amount
₹10,00,000
Tenure
5 years
Interest rate
10.99% p.a.
Side-by-side
Anywhere else
Extra out of pocket
₹33,050
With Karzero
You save
₹33,050
Standard amortization. Real offers may vary slightly by lender & profile.
Behind the numbers.
We use the same amortization formula every Indian bank uses. No tricks, no approximations.
01
Standard amortization
EMI = P × r × (1+r)^n / ((1+r)^n − 1), where P is principal, r is monthly rate (annual ÷ 12), n is months.
02
What we save you
Processing fee (1.5% typical), insurance premium (1.25%), GST on fees (18%), credit report (₹350), documentation (₹2,500).
03
What you actually pay
Only the EMI shown on the left side. Same EMI as anywhere else — but no upfront charges burning a hole in your pocket on day one.
Loans. Karz zero.
Real loans. Real banks. Real zero charges.
Available in Mumbai. Bengaluru & Pune coming through 2026.