Kissht: Instant Line of Credit

4.5
868K reviews
10M+
Downloads
Content rating
Everyone
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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 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
Updated on
Jun 4, 2024

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.
This app may share these data types with third parties
Financial info
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.5
863K reviews
Dilshad
June 9, 2024
I can't say enough good things about kissht. It's truly incredible! The user interface is intuitive, making it easy to navigate and use., kissht has you covered with its extensive range of features. I've been using it for while and it has become an essential part of my daily routine. Plus, the performance is top-notch - no lags or crashes whatsoever. Kudos to the developers for creating such a fantastic app! If you haven't
112 people found this review helpful
Onemi Technology Solutions
June 9, 2024
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!
Prerna Chaudhary
June 6, 2024
This app is so nice and also the Quick and loan repayment app who provide 90 days to clear the loan due and was easily able to get a personal loan done for me when no one else would give me a loan due to my credit score. also, the interest rates and apr are at the lowest than other apps and the process was easy and there were no prepayment penalties. Fast and quick service. I would recommend it if you're in a pinch and trying to debt. ❤️❤️
90 people found this review helpful
Onemi Technology Solutions
June 7, 2024
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!
kshitija dethe
June 10, 2024
This app was the Quick and loan repayment app who provide 90 days to clear the loan due and was easily able to get a personal loan done for me when no one else would give me a loan due to my credit score. also, the interest rates and apr are the lowest than other apps and the process was easy and there were no prepayment penalties. Fas and quick service.
1 person found this review helpful
Onemi Technology Solutions
June 10, 2024
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!

What's new

1. Minor bug fixes and under the hood improvements