What is the Kissht App?
Kissht is a digital lending platform in India that provides quick personal loans with minimal paperwork. It caters to salaried and self-employed individuals, allowing them to borrow up to ₹5,00,000 instantly through a user-friendly mobile app. Kissht partners with RBI-registered NBFCs, making it a secure and regulated way to borrow money.
Key Features of Kissht
- Instant loan approval (within minutes)
- Loan amount up to ₹5 lakhs
- Only basic KYC documents required (PAN & Aadhaar)
- Flexible EMIs up to 24 months
- Secure and transparent process
Eligibility Criteria
To apply for a loan via the Kissht app:
- You must be an Indian citizen
- Age should be between 21 and 60
- PAN card and Aadhaar card are required
- A selfie for facial verification
- For larger loans, income proof may be needed
How to Apply for a Loan on Kissht
- Download the Kissht App from the Google Play Store.
- Register your mobile number and verify with OTP.
- Fill in your profile – personal and employment information.
- Upload documents – PAN, Aadhaar, and a selfie.
- Complete e-KYC – the app guides you through this process.
- Choose loan amount and tenure, then submit.
- Loan disbursal – upon approval, the amount is credited to your bank account.
Loan Terms Overview
- Minimum loan: ₹10,000
- Maximum loan: ₹5,00,000
- Tenure: 6 to 24 months
- Interest rate: Based on credit profile (approx. 18–33% p.a.)
- Processing fee: Varies (e.g., ₹8850 for ₹1.25 lakh)
Example Breakdown
For a ₹1,25,000 loan:
- Tenure: 12 months
- Monthly EMI: ₹13,606
- Total repayment: ₹1,63,272
- Interest rate: 33% per annum
- Processing fee: ₹8,850
Note: Figures vary based on your profile.
Why Choose Kissht?
- Fast approval & disbursal
- Simple and transparent
- No credit card required
- Ideal for emergencies, education, travel, or business needs
Common Reasons People Use Kissht Loans
- Emergency medical expenses
- Travel and holidays
- Education or online course fees
- Home repairs or renovation
- Buying a smartphone or gadget on EMI
- Consolidating other debts
Tips to Get Approved Easily
- Keep your credit score above 750
- Use your main SIM and bank account
- Ensure your PAN and Aadhaar details match
- Upload clear, accurate documents
- Don’t apply for too many loans at once
Kissht Customer Support
- Email: care@kissht.com
- Phone: 08044745884 / 08062816309
- Office: Equinox Park, Kurla (W), Mumbai – 400070
Disclaimer
This article is for educational purposes only. It does not provide financial advice or guarantee loan approval. Users should review official information on the Kissht app or website and consult a financial expert if needed. Loan approval and terms depend on the user’s credit profile and lender policies. We are not affiliated with Kissht.
Frequently Asked Questions (FAQ)
Is Kissht RBI-approved?
Yes. Kissht works with RBI-registered NBFCs for lending
Can I get a loan without income proof?
Yes, for smaller loans. Larger amounts may require salary slips or bank statements.
What if I miss an EMI?
You may be charged a late fee, and it can affect your credit score. Always pay on time.
Is the app safe?
Yes, Kissht follows RBI regulations and uses encrypted technology.
What is the interest rate charged by Kissht?
Kissht charges an interest rate that typically ranges from 18% to 33% per annum, depending on your credit score, loan amount, and repayment tenure. The exact rate will be shown before you confirm the loan.
