Kissht: Instant Line of Credit

4.5
707K reviews
10M+
Downloads
Content rating
Everyone
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About this app

Kissht app provides Instant Line of credit and allows small shop owners to receive and make payments through QR code and avail instant loans ranging from ₹ 10,000/- to ₹ 1,00,000/- basis their credit profile. APR varies from 14% - 28% per annum and loan tenure from 3 to 24 months.

Example of Credit for Small Business Purchases
Loan amount (Principal): ₹ 30,000.
Tenure: 12 months.
Interest Rate: 18% per annum.
Processing Fee (incl. GST): ₹ 750 (2.5%).
Total Interest: ₹ 3,005.
EMI: ₹ 2,750.
APR: 22.91%.
Loan amount is ₹ 30,000.
Disbursed amount is ₹ 29,250.
Total loan repayment amount is ₹ 33,000.
Total Cost of the Loan = Interest Amount + Processing Fees = ₹3005 + ₹750 = ₹3755.

Kissht is India’s quickest credit app that offers instant QR based credit to small merchants to purchase their day-to-day inventory and grow their business. Small business owners can scan & pay utility bills such as electricity bills, Gas Bills, Fast Tag, post-paid bills & can access money on credit anytime in the form of cash in their account or by scanning QR to pay any vendor.

Types of Instant Line of Credit Offered by Kissht

1. Revolving line of credit: Kissht offers a quick line of credit for salaried individuals. The loan amount ranges up to ₹30,000 with tenure from 3 to15 months, based on the individual's credit profile and APR is between 16% and 26%. Customers can repay and reuse the credit line for 2 years. To incentivize better credit behavior, the customer is offered a reduction in fees and waiver on instalments upon timely repayments.

2. Instant credit to small business purchases: Facing last-minute working capital requirements, shortfall of cash to stock up inventory or regular expenses such as salaries/bill payment? opt for kissht loans from ₹10,000 to ₹1,00,000 disbursed into your account at easy and affordable interest rates ranging from 15% to 25% p.a. and processing fee in a range of 2% to 5% for the tenure up to 24 months
*Interest Rate and fees vary based on customer's current risk profile

Examples of Instant line of credit, small business loans & Interest rates offered by Kissht

1. Revolving Line of Credit: Salaried customer can avail quick personal loan of ₹30,000 at interest rate of 18% with processing fee of ₹750 for tenure of 12 months. APR is 22.91%.
Loan amount (Principal): ₹30,000; Interest Rate: 18% per annum; Tenure: 12 months
Interest Payable: ₹3,005,
EMI: ₹2,750 per month, Total Repayment Amount: ₹33,000.
2. Instant line of credit to small business: Self-employed can avail a credit line of ₹1,00,000 for a period of 2 years. Over two-year period, the total fees (including processing fees and one-time initiation fee) charged is 9%. The interest rate is 18% per annum, APR for the revolving credit line is 27.54%.

Top categories & Small Businesses who have benefited and availed instant line of credit from Kissht

Credit line - Kirana Shop, Medical Store
Instant loan - Hardware stores and Electronics Shops
Quick Cash - Bakery, Snacks & Juice Shops
Instant Cash - Street vendors, Fruits & Vegetable shops
Small business loan - Garments & tailor shop

How to apply for kissht credit line
1. Install Kissht app
2. Register with mobile number & accept basic permissions
3. Submit KYC documents for instant credit check
4. Sign online loan agreement from approved NBFCs. Get instant loan approval and money is transferred to your bank account

Why Choose Kissht for Line of Credit
✔ Low-interest rates and processing fees
✔ Online personal loan approval in just 5 minutes
✔ No collateral & credit card required
✔ 100% Secured app.
✔ We work only with RBI Registered NBFCs.The NBFCs are as follows:
-Si Creva Capital Services Pvt Ltd
-MAS Financial Services Ltd
-Poonawalla Fincorp Limited

Our contact details:
1. Call- 022 62820570
2. WhatsApp- 022 48913044
3. Email- care@kissht.com

Address:
10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai - 400070.
MH, India
Updated on
Dec 23, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted
4.5
707K reviews
Mohammad Juned
February 2, 2023
This app really help me a lot especially in times of emergency. For all the loan app that I have had , this kissht app really helps me alot with a minimal deduction, lower interest and low terms.with an easy repayment option for a period of 180 days. A reliable application, if need one more time, will use it. It is very difficult to find good services these days.
Onemi Technology Solutions
February 2, 2023
Dear Juned, Thank you for giving us a 5-star rating! Your feedback and support have helped us work harder to provide you the best of our services. Please help us expand by spreading the word about us among your family and friends. Thank you!
Mohan Raman
January 30, 2023
Great app never expected for my loan to be approved immediately. I am surelt enjoying also the interest rate is low,The application is very easy to use, quick loan with easy repayment option for 180 days of tim,I really want it to be upgraded and have more optionse,clear information, every thing is clearly updated. Nice application with good interface,
43 people found this review helpful
Onemi Technology Solutions
January 30, 2023
Dear User, Thank you for giving us a 5-star rating! Your feedback and support have helped us work harder to provide you the best of our services. Please help us expand by spreading the word about us among your family and friends. Thank you!
Mira Verma
January 25, 2023
Once set up, it's quick and easy. Help in a pinch, I think this app is great for old and new generations alike. Our world is constantly evolving, and this platform allows tech-savvy people of all types to gain access to new technology financial security without discrimination,Excellent app, I got 90 days for repayment . Its amazing that u can get a loan with this app just in few minutes it's really helpful ..
33 people found this review helpful
Onemi Technology Solutions
January 25, 2023
Dear Mira, Thank you for giving us a 5-star rating! Your feedback and support have helped us work harder to provide you the best of our services. Please help us expand by spreading the word about us among your family and friends. Thank you!

What's new

1. Minor bug fixes and under the hood improvements