From ‘I need a loan’ to money in your bank.
Four steps. About six minutes of your time. Zero charges from your side. Here's exactly what happens when you click Check your offers.
Loan type, amount, tenure
Tell us what you need
Pick personal loan (more types coming). Slide for the amount you need (₹50K to ₹50L). Choose a tenure (1–7 years). Tell us why — wedding, medical, renovation. Takes about 60 seconds.
- No long forms — just three sliders.
- EMI shown live as you slide.
- No credit pull at this stage.
12+ banks & NBFCs
We match you to the right lenders
KYC via DigiLocker. Income verified via Account Aggregator (RBI-regulated, encrypted). We run a soft eligibility check against every partner lender and surface only the offers you actually pre-qualify for.
- DigiLocker eliminates physical paperwork.
- Soft-pull only — no credit score damage.
- Side-by-side offer comparison, no kickbacks.
Out of lender commission
We pay every charge
Lenders pay us 2–3.5% commission when you take a loan through us. We use that commission to pay your processing fee, insurance, documentation, GST, and credit report fee. We keep what's left. You pay only your EMI.
- Processing fee, insurance, GST, docs — all covered.
- Receipt-level transparency in your dashboard.
- No hidden interest hike to compensate.
Disbursed in 24–72 hrs
You get your loan
Selected lender does final underwriting. Once approved, sign the agreement via Aadhaar e-sign, and money lands in your bank. Track all 17 micro-states in real time via app, SMS, and WhatsApp.
- 24–72 hour disbursal across most lenders.
- 17-state live tracker, not just 3 stages.
- Pre-payment is free with most partners.
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
₹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.
Built on RBI Digital Lending Guidelines.
Karzero is a Lending Service Provider (LSP). All loans are issued by RBI-regulated banks and NBFCs. Your data is DPDP Act 2023 compliant — encrypted, never sold, deletable on request.
Loans. Karz zero.
Real loans. Real banks. Real zero charges.
Available in Mumbai. Bengaluru & Pune coming through 2026.