Terms & Conditions
Last updated: September 19, 2026
1. Acceptance
By using this website, submitting a loan application, or using any service described on it, you agree to these Terms & Conditions. If you do not agree, please do not use the website.
2. Nature of the Service
Karza.co provides an online loan enquiry/application facilitation platform. Submission of an application does not constitute a loan sanction, approval, offer or commitment to lend. A loan, if any, is subject to eligibility assessment, documentation, credit assessment and the final terms of the applicable regulated lender.
3. No 100% Approval Guarantee
Karza.co does not guarantee 100% loan approval, guaranteed disbursal, a guaranteed interest rate, or a guaranteed loan amount. Any statement suggesting guaranteed approval should not be relied upon. Final decisions are made by the applicable lender according to its policies and applicable law.
4. NBFC / Regulated Lender Disclosure
Do not interpret this website as evidence that Karza.co itself is an RBI-registered NBFC. If Karza.co operates as a Lending Service Provider or loan facilitator for a regulated entity, the name and regulatory details of the actual bank/NBFC/lender should be disclosed on the relevant loan offer, Key Facts Statement (KFS), sanction documentation and other required customer touchpoints.
Actual lending partner: To be inserted by the website operator before launch, after verifying the partner's RBI registration and contractual relationship.
5. Application Processing Fee
The website currently displays an application processing fee of ₹1,250. The fee, whether payable, refundable or non-refundable, must be clearly stated in the applicable product documentation and KFS and must comply with the requirements of the actual regulated lender and applicable law.
6. Applicant Information
You must provide accurate and complete information. Providing false, incomplete or misleading information may result in rejection or cancellation of an application.
7. Verification and Documentation
The lender may request KYC, income, employment, banking, credit and other documents. The applicant authorizes lawful verification only to the extent permitted by applicable law and the consents provided.
8. UPI Payment
Where the QR/UPI payment option is shown, payment is made through the applicant's UPI application. A transaction/reference ID or screenshot submitted on this website is only a payment claim and is subject to manual verification. Do not submit card PINs, UPI PINs, passwords or banking credentials to this website.
9. Third-Party Services
Links, payment services, lenders, credit information companies and other third parties may have their own terms and privacy policies. Their services are governed by their respective terms.
10. Limitation
To the extent permitted by law, the website operator is not responsible for decisions, delays, changes in eligibility, lender underwriting outcomes or third-party service availability.
11. Contact
Mobile: 9131517958
Office: Office 100, First Floor, Golden I Techno Zone 4, Noida, Noida, India, 201301
12. Changes
These terms may be updated when business, legal or regulatory requirements change. The updated version will be published on this page.