Kissht

Get Your Loan

Loan Amount: You can borrow smaller ticket sizes starting from ₹5,000 up to ₹5 Lakhs.
Repayment Tenure: Flexible EMIs ranging from 3 months to 60 months depending on the loan amount and your profile.
Interest Rates: Generally starts around 14% per annum, but depending on your credit profile, the Annual Percentage Rate (APR) can go up to 36% (or higher for very high-risk, short-term borrowing).
Processing Fees: Typically ranges from 3% to 5% of the loan amount, plus applicable GST.
Turnaround Time: Known for speedy processing, approvals often happen in minutes, with funds disbursed to your bank account in as little as 5 minutes to a few hours.

To qualify for a Kissht personal loan, you must meet the following basic requirements:

Age: Between 21 and 60 years old.
Employment Type: Both Salaried and Self-employed individuals, as well as small business owners, can apply.
Minimum Income: You generally need a minimum monthly income of ₹15,000.
Credit Score: A CIBIL score of 700 or above gets you the best interest rates. However, Kissht uses alternative data assessments, meaning applicants with a lower score (around 650) or those new to credit might still get approved, albeit at a higher interest rate.

Kissht offers a 100% paperless, digital process. You will need:

Identity Proof: PAN Card (Mandatory).
Address Proof: Aadhaar Card (used for digital e-KYC and Aadhaar OTP verification).
A Selfie: For live facial verification during the application.
Income Proof: You may need to verify your income by linking your bank account (via Net Banking) or uploading bank statements for the last 3 months. (This is usually required for higher-value loans).