RBI Disclosure
Lending Service Provider
Karzero operates as a Lending Service Provider (LSP) per RBI's Digital Lending Guidelines (2022, updated 2024). We do not issue loans ourselves.
Partner lenders
All loans are issued by RBI-regulated banks and NBFCs. The lender for your specific loan is disclosed upfront — at offer selection — along with the lender's name, sanction terms, and grievance contact.
Key Fact Statement (KFS)
Per RBI rules, you receive a Key Fact Statement before signing — disclosing the APR (Annual Percentage Rate), all charges (paid by Karzero on your behalf), cooling-off period, and recovery contact.
Cooling-off period
You have a 3-day cooling-off window post-disbursal to repay without prepayment penalty (RBI Digital Lending Guidelines).
Recovery agent
Karzero does not employ recovery agents. Recovery, if any, is handled by the lender or their authorized partners — and only after multiple advance notices to you.