Kissht: Instant Line of Credit

Onemi Technology Solutions

About this app

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 for personal loans and purchase financing varies from 18% - 36% per annum and loan tenure up to 24 months.

The Expense tracker feature analyzes your transactional messages to provide insights into your spending habits, including summary of your expenses and income across categories. Additionally, the capability integrates seamless credit decision, fraud detection, risk assessment, and payment reminders to enhance customer experience and reduce transaction risks.

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 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 [e-mail] 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

Ratings and reviews

"This loan app is a lifesaver! The application process was seamless and quick, with clear instructions and minimal documentation required. The approval was fast, and the loan amount was disbursed promptly. The interest rates are competitive, and the repayment terms are flexible. The app's user interface is intuitive, and the customer support team is responsive and helpful😇😇

i love this kissht application, I did not have the perfect credit but regardless they were there when needed them the most. Easy repayment option of 62 days. I have used them twice before and not once have they let me down. After a positive payment history with them you will get pre approved for a higher amount. It also increased my credit score. Thank you very much kisshT!😇😇

Wow .it's the best app I've ever seen . Very cool structure and interface . I like this app . As i am using itith kissht, it's easy to transfer funds between friends or family members on the go. You can also pay bills easily from your phone with kissht by using their bill payment service. It's really easy to use and convenient when you need a quick way to pay someone back for somethhiing they have done for you in the past without having to

What's new

1. Minor bug fixes and under the hood improvements