Kissht: Instant Personal Loans

OnEMI Technology Solutions Limited.

About this app

Kissht is a trusted digital loan app by 60+ million Indians for Instant personal loans and flexible business loans tailored to their personal and business financial needs. Whether you are salaried or self-employed, Kissht offers both personal loans and business loans to provide immediate financial assistance, making it easy and hassle-free with same-day loan disbursement to your bank account.

Why Choose Kissht Digital Lending App

1. Kissht Offers Personal loans for Salaried & Self-Employed Individuals. The loan ranges from ₹5,000 to ₹5,00,000, with 100% digital processing, minimal documentation, Flexible EMI repayment options, and the lowest interest rate among other NBFCs, and instant loan approval in 5 mins with same-day loan disbursal.

✔️ Personal Loan for all use cases:

👉 Personal Loan for Students/ Education Fund
👉 Personal Loan for Medical Emergency or Medical bills
👉 Personal Loan for Debt Consolidation
👉 Personal Loan for Wedding Expenses
👉 Personal Loan for Home Repairs
👉 Personal Loan for Domestic/ International Travel

2. Kissht provides tailored business loans designed for young and women entrepreneurs. It offers business loans from ₹5,000 to ₹5,00,000 with 100% Digital KYC, Zero Paperwork, Affordable interest rate with Flexible Tenure Ranges, and Flexible EMI repayment plans

✔️ Business Loan for all use cases:

👉 Business Loan for MSME Owners
👉 Business Loan for Startup Companies
👉 Business Loan for Small Business Owner
👉 Business Loan for E-Commerce startups
👉 Business Loan for Manufacturers


Example of Unsecured Personal Loan
Loan amount (Sanctioned): ₹ 1,25,000.
Tenure: 24 months.
Interest Rate: 33% per annum.
Processing Fee (incl. GST): ₹ 8,850.
Total Interest: ₹ 47,467.
EMI: ₹ 7,184.
APR: 41 %.
Sanctioned Loan amount is ₹ 1,25,000.
Net Disbursed amount is ₹ 1,16,150.
Total loan repayment amount is ₹ 1,72,416.
Total Cost of the Loan = Interest Amount + Processing Fees = ₹47,467 + ₹8,850 = ₹56,317.

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

-Si Creva Capital Services Pvt Ltd
-MAS Financial Services Ltd
-Northern Arc Capital Ltd.
-Piramal Capital & Housing Finance Ltd.
-SMFG India Credit Co. Ltd.




Steps to apply for Personal Loans & Business Loans?
1. Install Kissht Personal loan app
2. Register with a mobile number
3. Complete 100% digital PAN & KYC process
4. Choose loan amount & tenure
5. Sign online loan agreements from approved NBFCs
6. Provide bank details
7. Request a money transfer to your bank account

Kissht Digital Lending App Features

✔ Instant online loans
✔ 100% Digital process
✔ Flexible EMI Repayment
✔ Low interest rates
✔ Fast loan approval

What Makes Kissht a Unique Digital Loan App?
1. Easy Loan Approval: Get instant loans online with minimal documentation in a fully 100% digital process.
2. Instant Loan Transfer: You can get funds directly disbursed to your bank account.
3. Short Term Loan Amount: 5k, 10k, 15k, 20k, 25k, 30k, 35k, 40k, 45k, 50k Personal Loans
4. Long Term Loan Amount: 1 Lakh, 2 Lakh, 3 Lakh, 4 Lakh, and 5 Lakh Personal Loans
5. Competitive Interest Rates: Enjoy a lower-interest loan with flexible EMI repayment options.

Our Commitment to Customer Safety
1. Payment reminders are communicated via registered landline numbers only; we do not use personal or foreign mobile numbers.
2. Payments are collected exclusively through our app or website; we never request payments to personal accounts.
3. Our collection processes adhere to RBI and MeitY guidelines, with all calls monitored to prevent threats or abuse.
4. The Kissht app respects your privacy, does not access your Contacts List, and does not contact your friends or relatives about loan repayments.

Contact Us:
1. Write to [e-mail] OR call our customer care number on 08044745884 / 08062816309.

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

Ratings and reviews

Great aplication with easy payment offers with such good offers. This app has saved my life. I always paid my bills on time and had no credit card debt, but after getting a restaurant job and living paycheck to paycheck, my credit went down the drain. Worse yet, new purchases were impossible without additional overdraft feesInterest rates are reasonable compared to other apps. Overall, a very reliable and helpful app for urgent financial needs.

​"Great aplication with easy payment offers with such good offers. This app has saved my life. I always paid my bills on time and had no credit card debt, but after getting a restaurant job and living paycheck to paycheck, my credit went down the drain. Worse yet, new purchases were impossible without additional overdraft fees ❤️.."

Great application with easy payment options and attractive offers. This app has saved my life. I always paid my bills on time and had no credit card debt, but after getting a restaurant job and living paycheck to paycheck, my credit went down the drain. Worse yet, new purchases were impossible without additional overdraft fees.

What’s new

1. Minor bug fixes and under the hood improvements