Kissht Loan
Get instant personal loans up to Rs. 5 Lakhs with the Kissht app. Kissht loan is collateral-free and comes with an interest rate up to 36% and a processing fee of up to 7%, depending on the loan tenure. The repayment tenure for the loan varies between 3 and 60 months. You can apply for the loan online instantly within 5 minutes through their mobile application.
Kissht Loan App Details
The key details of the personal loan availed through the Kissht loan app are as follows:
| Loan amount | Up to Rs. 5 Lakhs |
|---|---|
| Tenure | 3 to 60 months |
| Interest Rate | Up to 36%, depending on tenure |
| Processing Fee | Up to 7%, depending on tenure |
| Application TAT | Within 5 minutes |
| Age | 21 - 60 years |
| Cooling-off period | 3 days |
Features & Benefits of Kissht Personal Loan
- Loan amount: You can avail of an instant collateral-free Kissht maximum loan amount of up to Rs. 5 Lakhs.
- APR: Ranges from 32% to 57% p.a.
- Flexible repayment tenure: Ranges from 3 to 60 months.
- Cooling-off period: 3 days.
- Lock-in period: Up to 18 months, depending on the chosen repayment tenure.
- Other benefits: Minimal paperwork, swift approval, loan top-ups, direct bank transfer, and 100% digital process.
Kissht Loan Interest Rates & Charges
Interest rates and charges associated with the Kissht instant personal loan are listed below:
- Interest rate: Up to 36% p.a. for tenures above 6 months to 60 months and up to 28% p.a. for 3 to 6 months.
- Processing fee: Up to 7% of the loan amount for tenures above 6 months to 60 months and up to 4.5% of the loan amount for 3 to 6 months.
- Foreclosure and part prepayment charges: Up to 7% of the amount foreclosed/ prepaid.
- Charges for loan foreclosure during the cooling-off period of 3 days: Up to 100% of processing fees may be levied.
- Fees for loans closed during the lock-in period: Equal to the total scheduled but unpaid interest for the lock-in period as per the repayment schedule.
- One-time charges: Up to Rs. 1,500.
- Daily penal charges for a continuing default in EMI repayment: Up to 0.2% of the overdue principal amount.
- Other charges: Stamp duty, GST, and other cess (if applicable) will be collected at applicable rates from time to time.
Compare Kissht App with Other Loan Apps
Below is the comparison table for the Kissht loan with other app-based personal loans:
| App | Loan Amount | Rate of Interest | Tenure |
|---|---|---|---|
| Kissht | Up to ₹5 Lakhs | Up to 36% p.a. | 3 months - 5 years |
| Olyv | ₹1,000 - ₹5 Lakhs | 1.5% per month onwards | 2 months - 2 years |
| FatakPay | ₹30,000 to ₹5 Lakhs | 12% to 35.95% p.a. | 3 months - 3 years |
| Kundan Finance | ₹5,000 - ₹2 Lakhs | 1.5% - 2.92% per month | 3 months - 1 years |
| PayMe | ₹500 - ₹5 Lakhs | 1.5% per month onwards | 3 months - 2 years |
| Kamakshi Money | ₹1,000 - ₹2 Lakhs | 18% p.a. onwards | Up to 3 months |
| Ram Fincorp | ₹4,000 - ₹2 Lakhs | 1.5% - 2.92% p.m. | 3 months - 1 years |
| CASHe | ₹45,000 - ₹3 Lakhs | 2.79% - 3% per month | 9 months - 1.5 years |
| mPokket | ₹500 - ₹50,000 | 0% - 4% per month | Up to 4 months |
| LoanTap | ₹3,000 - ₹5 Lakhs | 15% - 32% p.a. | 1 - 5 years |
Kissht Personal Loan Eligibility Criteria
If you are seeking a Kissht loan online apply instantly on meeting the following eligibility criteria:
- Profile: Salaried, self-employed, small business owners, and MSMEs.
- Nationality: Indian citizen.
- Age: 21 to 60 years.
- Documentation: Selfie, Aadhaar Card, and PAN Card.
- Income proof: Required for select high-value loans based on credit profile.
- Credit score: Having a higher credit score of 750+ usually increases your chances of getting lower interest rates.
Documents Required for Kissht Loan
If you want a Kissht loan apply online with the following documents:
- Basic details: Name, address, and employment information.
- KYC documents: Aadhaar card and selfie verification.
- PAN card: Required for identity verification.
- Income details: Proof of income for loan assessment.
Kissht Loan App Login & Online Apply Process
To get a Kissht loan login to the Kissht mobile app first. Applying for an instant personal loan online with Kissht is easy:
- Verify Mobile Number: After successful Kissht app login, enter your mobile number on the Kissht app to receive an OTP for verification.
- Enter Basic Details: Provide your full name, date of birth, address, and employment details.
- Complete Digital KYC: Upload your PAN and Aadhaar details for quick verification.
- Get Your Loan: Once your loan request is approved, funds will be instantly transferred to your account.
Kissht Personal Loan Customer Care Details
To get in touch with the customer support team of the Kissht personal loan app, use any of the following methods:
- Call: 080 44745884 /080 62816309
- Email: care@kissht.com
- WhatsApp: +91 2248913631
FAQs
The maximum loan amount for Kissht is up to Rs. 5 Lakhs.
The interest rate for Kissht loan is up to 36% p.a., depending on the repayment tenure.
The maximum loan amount offered by Kissht is Rs. 5,00,000.
Kissht advertises that it can get personal loans approved and disbursed in just 5 minutes.
Yes, the Kissht loan is available for self-employed, salaried, small business owners, and MSMEs.
Yes, the Kissht loan app is powered by Si Creva Capital Services Private Limited, which is an RBI-registered NBFC.
No, at present, the Kissht loan app is not banned in India.
If you do not pay your Kissht loan, daily penal charges will be levied for a continuing default in EMI repayment. The charges are up to 0.2% of the overdue principal amount. Also, it may lead to increased interest rates and a negative impact on your credit score.