Compare personal loan offers

True cost of personal loans including fees.

Free to try. Passes from for 30 days.

Educational estimates, not financial or tax advice. Rules change - verify with a qualified adviser or the official portal.

Why people use Karzova

Banks advertise low rates but hide processing fees, insurance bundles and floating-rate resets. A small prepayment plan can save years of EMIs - most borrowers never calculate it.

✓ EMI and total interest for each offer
✓ True cost including fees
✓ Prepayment scenarios (tenure vs EMI reduction)
✓ Questions to negotiate with the bank

How it works

1Fill in a few details (or click 'Fill with an example').
2Click Generate - your result appears in seconds.
3Copy it, print it or save as PDF. Edit anything you like.

Unlimited Karzova

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Frequently asked questions

Is reducing tenure better than reducing EMI?

Reducing tenure usually saves much more interest; reducing EMI improves monthly cash flow. The tool shows both.