Kissht

RBI-registered NBFC loan app in India for EMI Shopping and Instant Personal Loan

Kissht is India’s most trusted credit platform, backed by an RBI licensed NBFC, providing hassle-free personal loans up to ₹2,00,000. The documentation needed is minimal and the entire process starting from registration to disbursement takes an average of 5 minutes. The application process is 100% digital and on approval, the funds are immediately transferred to the applicant's bank account.

APR varies from 18% - 36% per annum and loan tenure up to 24 months.

Example of Credit for Small Business Purchases

Loan amount (Principal): ₹ 1,00,000.

Tenure: 12 months.

Interest Rate: 30% per annum.

Processing Fee (incl. GST): ₹ 3000 (3%).

Total Interest: ₹ 16,985.

EMI: ₹ 9747.

APR: 36.86%.

Loan amount is ₹ 1,00,000.

Disbursed amount is ₹ 97,000.

Total loan repayment amount is ₹ 1,16,985.

Total Cost of the Loan = Interest Amount + Processing Fees = ₹16,985 + ₹3000 = ₹19,985.

You can also top-up your loan with additional credit at any time. Your existing loan will be foreclosed closed at ZERO cost and you will avail a higher amount, payable over a longer tenure.

We work with RBI-registered NBFCs.The NBFCs are as follows:

-Si Creva Capital Services Pvt Ltd

-MAS Financial Services Ltd

-Poonawalla Fincorp Limited

-Northern Arc Capital Ltd.

-Piramal Capital & Housing Finance Ltd.

How to apply for Kissht instant loan

1. Install Kissht app

2. Register with a mobile number & accept basic permissions

3. Submit KYC documents for an instant credit check

4. Sign online loan agreements from approved NBFCs. Get instant loan approval and money is transferred to your bank account

We care for you!

Kissht follows a human-first approach to customer service. We care deeply about customer safety, and data protection and take adequate measures to ensure that our customers have a seamless and delightful experience, at every interaction. Our collection processes are designed to be empathetic and follow all guidelines prescribed by RBI and MeiTY

1. We do not contact customers via any private or personal 10-digit mobile number on WhatsApp or SMS.

2. We do not contact customers for payment collection reminders from personal mobile numbers, foreign numbers or Internet-based VOIP calls. Our team always calls you from registered landline numbers.

3. We never ask customers to make payments into personal or private bank accounts. Payments are only collected on our website or the app.

4. All our calls are monitored and recorded. Our agents never use threats or abusive language.

5. We never ask for commission or cutbacks on payments of dues.

6. Our App does not seek permission to access your Contacts List or any other private data.

7. We never call your friends or relatives for repayment of your loan as we do not store your personal information.

In case you have faced any of the above-mentioned situations, do this:

1. Write to care@kissht.com OR call our customer care number on 02262820570/ 0224891492.

2. Share with us a screenshot or recording of the message or call.

Address:

10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai - 400070.

MH, India