About

Karz Kasauti ("kasauti" means a touchstone) is an independent information site that helps borrowers in India test a personal loan offer before accepting it. It explains how banks, NBFCs and digital lenders price unsecured personal loans, what the Key Fact Statement and APR show, which charges apply and when GST is added, and which Reserve Bank of India rules apply in 2026 on foreclosure, digital lending, credit reporting, recovery conduct and complaints.

The guides are written for salaried and self-employed people comparing offers, existing borrowers thinking about prepaying or switching, and anyone dealing with a loan app, a recovery call or a credit report error. Every calculation shows its arithmetic, and the calculators use the standard reducing-balance formulas.

We do not lend, arrange loans, take commissions on applications, rank lenders or publish live rate cards. Rates in examples are illustrative. Rules are described from official sources such as the RBI, credit information companies and the RBI Ombudsman, and you should confirm the current position there or with your lender. Nothing on this site is financial, legal or tax advice.

How this site is made

Karz Kasauti is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.