SettleKaro — Get Debt-Free, Live Stress-Free
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Transparent 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

Choose the tier that matches your total outstanding loan amount across all lenders.

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.

Total outstanding (what you owe today)
₹6,00,000
100% · the full amount before we negotiate
Negotiated settlement to lender typical
₹2,70,000
~45% · we chase the deepest discount we can
SettleKaro total fees our work
₹50,739
~8.5% · onboarding + 7% service fee + GST
What you actually save
₹2,79,261
~46.5% of total outstanding · in your pocket
Bars are proportional to outstanding. Actual negotiated discount varies by lender, age of debt, and your repayment capacity. We never guarantee a specific percentage.
See full pricing & FAQ →
What we don't charge

No hidden fees. No surprises.

No monthly fees

You'll never get a recurring debit you didn't approve. There are no "platform charges" or auto-renewing subscriptions.

No success bonus

The 7% is the only service fee. We don't take an extra cut of what you save on the settlement.

No documentation fees

Settlement letters, lender complaints, escalation drafts — all included in your engagement.

Important: Onboarding & service fees are non-refundable.

That's why we always start with a free 15-minute call — we explain exactly what we'll do for you, what's realistic, and what's not. You pay only if you agree to onboard. No pressure, no surprises. See our full refund policy.

Pricing FAQ

Common pricing questions

Do I have to pay anything to talk to you?+
No. The first 15-minute consultation is completely free, by phone or WhatsApp. You only pay the onboarding tier if you decide to engage us after the call.
What if my lender refuses to settle?+
We chase the best possible outcome for every enrolled case. If a particular lender is unwilling to engage during the negotiation window, we explore restructuring or alternative paths. Onboarding and service fees, however, are non-refundable — that's why we're upfront about the realistic range before you decide to onboard.
Are there any other fees during the case?+
No SettleKaro fees beyond onboarding + 7% service fee. You'll be responsible for the negotiated settlement amount payable to the lender. We never ask for any payment to a personal bank account.
Do you take a cut of what I save?+
No. Our service fee is calculated on enrolled debt outstanding, not on savings achieved. Whether we settle your debt at 30% or 60%, our fee stays the same — so our incentive is to get you the best percentage possible.
Why is the service fee non-refundable?+
Because our entire service — the call, the case forwarding, the negotiation, the letter verification — is real work delivered over a 2-month window. We're transparent about this upfront so you can decide with full information whether to onboard.

Ready to take back control?

Free 15-minute consultation. No obligation. If you agree to onboard after the call, only then payment starts.

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