We exist because debt resolution in India is opaque, scary, and built for the lender — not the borrower.
SettleKaro is a debt resolution service that helps everyday Indians understand their rights, push back against harassment, and resolve unsecured debt — transparently and without false promises.
A market that profits from confusion
Indians borrow more than ever. Credit cards, personal loans, app loans — accessible in minutes, designed to keep you in revolving debt. When you miss a payment, the system flips: 30 calls a day, agents at your door, threats of "criminal arrest" that aren't real.
Most debt-help services hide their fees, overclaim legal authority, and chase the same emotional levers banks use against you. We thought there had to be a better way.
So we built one. SettleKaro is transparent on pricing from day one, RBI-aligned, DPDP-compliant, and built around one principle: you stay in control.
By the numbers
How we work — and how we don't
Transparent pricing
Every rupee disclosed before you commit. ₹499 + GST registration, 5% service fee — and that's it. No "platform" charges, no surprise add-ons.
RBI-aligned, always
Every script, escalation, and negotiation tactic we use respects the RBI Fair Practices Code. We don't impersonate lenders, regulators, or law enforcement — ever.
DPDP-compliant by design
Your data stays with us only as long as needed for your case. Never shared with lenders without your written consent, never sold to anyone.
Honest about results
We won't promise "70% off." We tell you the realistic range based on your lender, debt age, and case strength — then we work to deliver the best outcome possible.
You stay in control
Every settlement offer comes to you for approval. Every payment is your decision. We're guides and negotiators — not gatekeepers of your money.
Built for ordinary borrowers
You shouldn't need a lawyer's retainer to fight back against harassment. We keep costs honest so people who need help most can actually afford it.
What SettleKaro is NOT
SettleKaro is not a bank, NBFC, ARC, or RBI-regulated entity. We don't lend money, can't issue loans, and don't represent any lender. We're a private debt resolution service that works in your interest — not theirs.
SettleKaro Private Limited
Incorporated under the Companies Act, 2013. Registered in Uttar Pradesh, India.
Ready to take back control?
Free 15-minute consultation. No obligation. Pay only if you agree to onboard after our free call.