iStep one · Free call
Pehle baat karenge.
Call ya WhatsApp pe baat karo. Hum samjhenge kya ho raha hai — kitna loan hai, kis lender ka hai, kya help chahiye. Free, no obligation, fully confidential.
01Get debt-free, live stress-free
Settle Karo.
Apni Zindagi
Wapas Lo.
India's transparent debt resolution service across 200+ lenders. Credit cards, personal loans, app loans, BNPL — settled with care, no fake guarantees, no hidden fees.
RBI Fair Practices aligned
DPDP-compliant
100% confidential
100%confidential
Settled
12 · MAY · 2026
Personal loan, private bank
Outstanding₹3,40,000
Negotiated₹3,40,000₹1,12,000
Total saved₹2,28,000 · 67%
Results shown are individual outcomes and not guaranteed.
Final settlement at lender's discretion.
Final settlement at lender's discretion.
02The problem
You are not alone.
And this is not
your fault.
"क्या यह आपकी कहानी है?"
— Job loss, medical bills, business stress.
It happens to good people.
-
01
Recovery calls won't stop30 calls a day from different numbers. To your office. To your family. To your references.
-
02
EMI missed, interest 100%+One missed payment and charges explode — penalty, late fee, default interest stacking weekly.
-
03
Agents visiting your homeThreatening language. Embarrassment in front of family. Neighbours wondering what happened.
-
04
Stress is taking overSleep gone, family worried, hiding calls from spouse. Aap akele nahi ho — hum samajhte hain.
"The first step is understanding your rights.
The next is having someone in your corner."
— SettleKaro · est. 2026
03How SettleKaro works
Four steps.
No surprises.
From your first call to your final settlement letter — every step is transparent, RBI-aligned, and stays in your control. Aap hi decide karenge har kadam pe.
1
iiStep two · Onboarding
Agar sahi lage, onboard karo.
Hum batayenge exactly kya kya help milegi. Agar aapko sahi lage, tabhi onboarding fees pay karenge. No upfront pressure, no hidden charges. Tier based on your outstanding.
2
3
iiiStep three · Case forward
4% jama karo, case forward.
Within 1 month of enrollment, deposit 4% + GST of your total outstanding. Once received, hum aapka case settlement ke liye lender ke saath forward kar denge. Negotiation shuru.
ivStep four · Settlement letter
3% milne pe, letter aapke paas.
Pay the remaining 3% + GST in month 2. Hum jaldi-se-jaldi, jyada-se-jyada discount pe settlement nikalenge. Letter aane par pehle hum verify karenge, tabhi aap settlement amount lender ko pay karenge.
4
04Why SettleKaro
Not every debt-help service
plays by the rules.
Here's how we compare to typical "debt settlement agents" and law firms — on the things that matter most to people in financial stress.
What you should expect
SettleKaro
Typical agent
Law firm
Pricing disclosed upfront
✓
✕
~
No upfront fee for case work
✓
✕
~
Hindi / Hinglish counselling
✓
~
✕
RBI Fair Practices alignment
✓
✕
✓
DPDP-compliant data handling
✓
✕
~
Honest about results (no guarantees)
✓
✕
✓
Verifies settlement letter for you
✓
✕
~
Affordable for ordinary borrowers
✓
~
✕
Patterns observed across the Indian debt-settlement market · 2026
05What we do
Four services.
One promise.
End-to-end support — from the first harassment call to your final verified settlement letter. Engage us for one service or all four; you stay in control.
i · Featured
Collection call support.
The first crisis. Daily calls, threats, agents calling your office and family. We teach you what's legal, what's not, what to say, what to record, and when to escalate. Included with every onboarding — yeh hi pehla kadam hai.
Open serviceii
RBI rights education.
Know what every borrower is entitled to under the RBI Fair Practices Code.
Open serviceiii
Pre-litigation support.
Structured negotiation. Settlement proposals. Follow-through. Lender ke saath direct baat.
Open serviceiv
Legal notice guidance.
Got a notice? Hum samjhayenge kya valid hai, kya scare tactic hai, kaise respond karna hai.
Open servicev · Pehla kadam
Baat karenge?
Free 15-minute consultation. Apni kahani share karo, hum sunenge — Hindi, English, ya Hinglish. Pressure nahi, commitment nahi.
Free consultationvi · WhatsApp's easier
WhatsApp pe message karo.
Voice notes welcome — Hindi, English, ya Hinglish me. Privacy guaranteed. Reply usually within 30 minutes during business hours. Aap chat kar ke samajh sakte ho kya hum aapki situation me help kar sakte hain — bina kisi commitment ke.
Open WhatsApp06Loans we settle
Across 200+ lenders.
Almost certainly yours too.
Credit cards, personal loans, app loans, BNPL — we negotiate settlements across every major Indian bank, NBFC, and digital lender. Apne loan ko niche search karo.
Credit cards
HDFC, ICICI, SBI, Axis, AmEx, RBL, BOBCard — all major issuers.
Personal loans
Banks & NBFCs — Bajaj, Tata Capital, IDFC, Hero FinCorp, more.
App loans
KreditBee, Fibe, CASHe, MoneyView, MoneyTap, Dhani, Slice, mPokket.
BNPL
LazyPay, Simpl, ZestMoney, Snapmint, OneCard — buy-now-pay-later.
All banks · NBFCs · digital lenders
HDFC Bank
ICICI Bank
Axis Bank
SBI Cards
Kotak Mahindra Bank
IndusInd Bank
RBL Bank
Yes Bank
IDFC First Bank
DBS Bank India
DCB Bank
Federal Bank
Bank of Baroda
Bandhan Bank
South Indian Bank
Standard Chartered
Citibank
HSBC
American Express
BOBCard
SBI Card & Payment
AU Small Finance
Equitas Small Finance
Jana Small Finance
ESAF Small Finance
Ujjivan Small Finance
Utkarsh Small Finance
Fincare Small Finance
Unity Small Finance
Suryoday Small Finance
Capital Small Finance
Prathama Bank
Dhanlaxmi Bank
Lakshmi Vilas Bank
ING Vysya
Bajaj Finance
Bajaj Finserv
Aditya Birla Finance
Tata Capital
HDB Financial
L&T Finance
Hero FinCorp
Mahindra Finance
Cholamandalam
Capital First / IDFC
Capital Float
Capital Trust
Magma Fincorp
Reliance Capital
Reliance Money
Fullerton India (SMFG)
Home Credit India
DMI Finance
Clix Capital
InCred Finance
Edelweiss Retail
Piramal Housing
Northern Arc
Hinduja Leyland
Poonawalla Finance
Vivriti Capital
Vistaar Financial
Akasa Finance
Akme Fincon
Akara Capital
Arohan
Apollo Finvest
APAC Financial
Adani Capital
Aye Finance
Anashri Finvest
Aphelion Finance
Arthan Finance
ATD Financial
Aglow Fintrade
Aeon Credit
Billionloans
BHANIX Finance
Bridge Fintech
Branch International
CRED
Credifin / Credin
Credit Fair
Credit Sudhaar
CreditVidya
Chintamani Finlease
CrazyRupee
CashBean
Cashbee · Cashbook
CASHe
CashTrain · CashTree
CSL Finance
Dhani Cash · Dhani Loans
Digikredit · Digimoney
DS Integrated Finsec
Diwakar Tracom
Dhanlaxmi Fincorp
Dhanvarsha Finvest
Dealing Beneficial
Early Salary
Ekagrata Finance
EpiMoney
Etyacol Tech
Fairassets / Faircent
Fedbank Financial
FincFriends
Finkurve Financial
Finnable Credit
Fox Capital (Zest Money)
Gromor Finance
Growth Source Financial
Hedge Finance
Hindon Mercantile
HDFC Limited
IBL Finance
IDFC Limited
IDS Financial Services
iEasyLoan
IFMR Capital (Northern Arc)
IIFL Finance
I Loan Credit
InCred Financial
InCred Prime
IndiaBulls
India Infoline
Indifi
Innfin / Innofin
Instant Cash · NIRA
Integro Finserve
IVL Finance
Jalan Chemical (mPokket)
Jalan Industries
Kisetsu Saison
Kissht
KM Global Credit
KNAB Finance
KrazyBee / KreditBee
Krediteck Financial
KreditLoan
LendBox · LendIt
Lending Plate
Lendingkart Finance
LoanTap
MAS Financial
MI Credit
Mitron Capital (Mystro)
Mobikwik
MoneyBox · Moneyboxx
MoneyLoji
MoneyTap
MoneyView
Nahar Credits
Naman Finlease
NDX P2P
Nira Finance
Nitstone Finserv
OneCard
Paisalo Digital
Payme India
Paysense
PayU Finance
Phoenix ARC
Pinnacle Capital
Quadrillion Finance (Slice)
Rattan India Finance
Razorpay Software
Riviera Investors
Rufilo
Ruloans Financial
RupeeBazaar
Rupeelend (AKARA)
RupeeRedee
Sicreva Capital
SimplyCash
Small Business Fincredit
Snapmint Financial
Spheeti Fintech
StashFin
Tapstart Capital
Transactree (Lendbox)
TrillionLoans
Trucap Finance (Dhanvarsha)
True Balance
True Credits
Tyto
Upmove Capital
Upwards Capital
Vaibhav Vyapaar (Loanfront)
Vintage Finance
Vivifi India
Vivifin
Walnut Prime
Whizdm Finance
Wortgage Finance
Zavron Finance
Zest Money / Zest Cash
… 200+ more lenders
Not seeing your lender? Call us — we probably handle it.
07Transparent pricing
Tiered onboarding.
Then 7%, split over 2 months.
No upfront pressure. After our free call, if you agree to onboard, you pay only the tier that matches your outstanding. Then 4% in month 1, 3% in month 2.
Step 1 · Onboarding fees (based on your outstanding)
Tier 1 · Under ₹5L
Outstanding up to ₹5 lakh
₹499+ GST
One-time onboarding fee. ₹589 total. After this, you're enrolled and we begin your case plan.
Tier 2 · Under ₹10L
Outstanding ₹5–10 lakh
₹999+ GST
One-time onboarding fee. ₹1,179 total. Most common tier — multi-lender / mixed cases.
Tier 3 · Under ₹15L
Outstanding ₹10–15 lakh
₹1,499+ GST
One-time onboarding fee. ₹1,769 total. For larger debt stacks across multiple lenders.
Over ₹15L? Call us for custom quote · All onboarding fees are non-refundable
Step 2 · SettleKaro service fees
7%of total outstanding · split 4 + 3
Month 1 · After enrollment
4%+ GST
Paid within 1 month from your enrollment date. Once received, we forward your case to the lender for active settlement negotiation.
Month 2 · After negotiation
3%+ GST
Paid within 2 months from enrollment. We chase the fastest, deepest discount. Letter aane par hum verify karenge, then you pay the settlement amount to the lender.
Total 7% + GST · Split over 2 months · Service fees are non-refundable
Worked examples — what SettleKaro costs across three real outstanding amounts.
Tier 1 · ₹3 lakh
Mostly app loans.
| Onboarding (₹499 + GST) | ₹589 |
| Month 1: 4% of ₹3L + GST | ₹14,160 |
| Month 2: 3% of ₹3L + GST | ₹10,620 |
Total to SettleKaro₹25,369
Tier 2 · ₹6 lakh
Multi-lender, mixed.
| Onboarding (₹999 + GST) | ₹1,179 |
| Month 1: 4% of ₹6L + GST | ₹28,320 |
| Month 2: 3% of ₹6L + GST | ₹21,240 |
Total to SettleKaro₹50,739
Tier 3 · ₹12 lakh
Larger debt stack.
| Onboarding (₹1,499 + GST) | ₹1,769 |
| Month 1: 4% of ₹12L + GST | ₹56,640 |
| Month 2: 3% of ₹12L + GST | ₹42,480 |
Total to SettleKaro₹1,00,889
visWhere your money goes
For the same ₹6L example — broken down visually.
Bars are proportional to outstanding. Actual negotiated discount varies by lender, age of debt, and your repayment capacity. We never guarantee a specific percentage.
08Real outcomes
Stories from people
we've helped.
Two anonymized stories from our 2026 case files. Names changed. Numbers verified. Outcomes never guaranteed.
Recovery agents used to call my wife and mother daily. SettleKaro team taught me exactly what to say. Calls stopped within a week.
R
Ramesh K.
I lost my job and had 4 app loans. I was hiding calls from family. SettleKaro helped me understand my rights — I'm not a criminal.
A
Anita S.
Names changed for privacy · Results shown are individual outcomes and not guaranteed · Final settlement amounts and timelines at the lender's discretion
09Common questions
The questions
everyone asks first.
Honest answers. No jargon, no lawyer-speak.
Read full FAQ →Is SettleKaro a bank, NBFC, or RBI-regulated entity?+
No. SettleKaro is a private debt resolution service (CIN: U70200UP2026PTC247774). We are not a bank, NBFC, ARC, or RBI-regulated lender. We don't lend money — we help you negotiate and walk you through the resolution process transparently.
What lenders do you handle?+
All major Indian banks, NBFCs, and digital/app lenders — over 200 covered. Credit cards, personal loans, app loans, BNPL. If your lender isn't on our visible list, call us and we'll confirm.
How much will it cost me, total?+
Two parts: a one-time onboarding fee (₹499–₹1,499 + GST based on your outstanding tier), plus 7% + GST of total outstanding split across 2 months (4% month 1 + 3% month 2). Plus the negotiated settlement amount paid directly to the lender.
When do I pay each fee?+
Onboarding fee is paid once you agree to onboard (after our free call). Month 1: 4% within 30 days of enrollment — once paid, we forward your case for negotiation. Month 2: 3% within 60 days — we deliver a verified settlement letter.
Will my credit score get destroyed?+
If you're already missing EMIs, your score has already taken a hit. Settlement is recorded as "settled" on your credit report for 7 years. We help you understand the trade-off clearly before you decide.
10Take back control
Ready to take
back control?
Free 15-minute consultation. No obligation. We explain everything on the call — if you agree, only then onboarding starts.
RBI Fair Practices
DPDP-compliant
200+ lenders