70% of net margin
On every file you source. No clawbacks. Tracked live in your dashboard, paid weekly.
Karzero · Agent storiesCustomer stories ↗
Four agents. Four climbs.
The Clubs ladder runs from Bronze to Diamond. Some agents make the climb in three months; some take a year; most never reach the top. Below are four people on the platform, in their own words, with their numbers.
I.The roll-up
Active agents
142
On the platform now
Cities with agents
8
And growing
Disbursed through agents
₹98.00 Cr
Lifetime
Paid to agents
₹1.24 Cr
Lifetime commission
II.Featured climbs
Four agents who let us write up their journey. Names and numbers verified against the Karzero Ledger.
Case 01 · Mumbai
GOLD
PS
मुंबई
Priya Sharma
Mumbai
GoldSince March 2026
Before Karzero
Eight years at a DSA in Andheri. Used to file applications with three banks and follow up by WhatsApp until a sanction came back. Most of her customers paid the standard charges; she had no answer when they asked why.
The first close
Her first Karzero file was a ₹8 lakh personal loan for a school accountant — they had been declined twice elsewhere. The customer cried on the call when Priya told them the ₹14,200 in charges would be paid by Karzero. The file disbursed in 19 hours.
“My old job was to chase rates. My new job is to chase customers. The math is finally on their side, so I am finally on their side.”
Files
28
Conversion
64%
Disbursed
₹1.25 Cr
Earned
₹1.84 L
Earnings · 12 months
↑ trend
Club ascent
- BronzeBronzeMar 2026
- SilverSilverApr 2026
- GoldGoldMay 2026
Case 02 · Bengaluru
PLATINUM
KN
बेंगलुरु
Karthik Naidu
Bengaluru
PlatinumSince February 2026
Before Karzero
Ran his own three-person DSA outfit out of Indiranagar for six years. Always felt the next month would be the breakthrough. Bookkeeping was an Excel sheet and a stack of acknowledgment slips.
The first close
A ₹35 lakh home loan for a tech-lead at a series-B startup. Their old bank had quoted a 1% processing fee plus the standard insurance bundle — about ₹62,000. Karzero absorbed it. The lead now refers other engineers from his team.
“I used to compete on rate. Now I compete on honesty. Honesty closes more files. That is the part nobody warned me about.”
Files
41
Conversion
71%
Disbursed
₹2.68 Cr
Earned
₹3.12 L
Earnings · 12 months
↑ trend
Club ascent
- BronzeBronzeFeb 2026
- SilverSilverMar 2026
- GoldGoldApr 2026
- PlatinumPlatinumMay 2026
Case 03 · Hyderabad
SILVER
SR
हैदराबाद
Sneha Reddy
Hyderabad
SilverSince April 2026
Before Karzero
A former relationship manager at a small NBFC. Left to spend more time with her son after he was born. Wanted to keep the lender contacts and the income but not the 9-to-7.
The first close
A ₹4 lakh personal loan for a tailor she had known for two years from the local market — he needed to stock fabric before Eid. Karzero settled the ₹6,400 in charges. The tailor brought his cousin in for a vehicle loan the next week.
“I work from home now. My customers are people I would actually invite over. The charges going to zero made the awkward conversation go away — there is no awkward conversation any more.”
Files
14
Conversion
56%
Disbursed
₹62.00 L
Earned
₹78.0K
Earnings · 12 months
↑ trend
Club ascent
- BronzeBronzeApr 2026
- SilverSilverMay 2026
Case 04 · Delhi-NCR
DIAMOND
AM
दिल्ली
Arjun Mehta
Delhi-NCR
DiamondSince January 2026
Before Karzero
Twelve years across two top-five DSAs. Knew every lender BDM in the NCR personally. Earned well but was tired of explaining to his customers why the headline rate kept moving once the file landed.
The first close
A ₹65 lakh loan-against-property for a textile exporter he had worked with for years. Standard charges would have been about ₹1.2 lakh; Karzero paid it. The exporter wrote a one-line testimonial: "Finally, a number I can trust." Arjun has it framed.
“I do not run a DSA anymore. I run a small consulting practice that happens to settle loans. The trust I have built in twelve years finally has a product that matches it.”
Files
62
Conversion
78%
Disbursed
₹4.89 Cr
Earned
₹6.12 L
Earnings · 12 months
↑ trend
Club ascent
- BronzeBronzeJan 2026
- SilverSilverFeb 2026
- GoldGoldMar 2026
- PlatinumPlatinumApr 2026
- DiamondDiamondMay 2026
III.What every agent gets
A path from Bronze to Diamond
Disburse more, earn more per file. The ladder is published, the math is in the open.
A product your customers thank you for
Zero charges to them is the line that finally lets you stop apologising.
IV.Add your case
Join the platform
Become a Karzero agent. Climb the ladder.
Five minutes to apply. Same-day approval. A dedicated account manager from the moment you sign in.
Case studies featured here are written from interviews with the agents named. Each one has reviewed and approved the published version.
Karzero · agent stories