Recently I had a bad experience with Zest. I planned to join a course from BITS Pilani and Zest is their banker for education loan. I tried to take EMI payment though Zest, I filled in all the forms in their portal. In the last page( loan agreement acceptance page) I saw lot of differences what they mentioned in their brochure and in the sign off page. All figures are more than what mentioned in the brochure page. So I decided not to proceed further and hence not selected the I ACCEPT button. Still they debited 14K from my bank account and there is no cancel option in the portal. They made me run between post and pillars to get it cancelled. I would request all who read this to refrain from this banker for your safety.