How do I check the status of my kissht loan application?

You can check the status of your loan application by either sending a mail to care@kissht.com or calling the number 022-62820570 any time between 09:30 a.m. and 06:30 p.m. from Monday to Sunday.

Can I apply for a personal loan from Kissht from a physical store?

Yes, you can apply for a personal loan for buying products on EMI from merchants who have tie-ups with Kissht. You can call the number 022-3051 5500 and provide your pin code to the Kissht representative who will provide you with the nearest store from where you can avail a personal loan from Kissht.

What is the Kissht loan repayment tenure?

The repayment tenure can range from 3 months and 60 months.. The repayment tenure that you will choose will depend on your convenience and the type of loan availed by you.

I do not have my original PAN Card but a photocopy of the same, am I still eligible for the loan application process?

You can submit the photocopy of your PAN Card to Kissht who will do their best to ensure that your loan gets sanctioned. All you have to do is self-attest the photocopy of your PAN card, provide your signature and then upload it on the Kissht portal.

What is the maximum amount of loans that can be borrowed from Kissht?

You can borrow a loan of up to Rs. 5 lakhs from Kissht. .

Kissht Personal Loan

Kissht is a Non-Banking Financial Corporation (NBFC) which came into existence in 2015 and is operated by Onemi Technology Private Limited. Kissht Personal Loans are designed to bridge the gap between your immediate needs and your long-term goals with a 100% digital, paperless process. You can avail different types of loan products including personal loans at attractive interest rates and flexible repayment tenures. The platform ensures transparency and security and direct bank disbursal on the same day. With competitive interest rates starting at 1% per month and flexible repayment tenures up to 60 months, Kissht empowers salaried and self-employed individuals across India to take control of their finances with confidence and ease.

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Benefits of applying for a personal loan from Kissht

Availing a personal loan from Kissht has several benefits;

Simplified Repayment Structure; Digital repayment systems are excellent for providing convenience through automation but can become a burden if the interface lacks flexibility. This feature ensures that borrowers can manage their monthly dues through multiple online channels without the necessity of visiting a physical branch.

Zero Foreclosure Penalties; Borrowers are often capable of clearing their total debt before the tenure ends but are frequently discouraged by high early-settlement fees. By offering zero foreclosure charges, the platform allows for full early repayment while ensuring the user does not face the financial penalties common in traditional banking.

Free Kissht EMI Card: Credit instruments are highly effective for managing immediate shopping expenses but often carry the disadvantage of recurring annual maintenance costs. This card provides a seamless way to convert purchases into installments while removing the entry barriers associated with standard high-fee credit products.

Eligibility criteria required to be fulfilled

You must be minimum 21 to maximum 60 years of age.
You must be a salaried individual with a minimum salary of Rs.15,000 per month.
Or you must be a self-employed individual with a minimum annual income of Rs.1.2 lakh.
A live selfie is now a mandatory requirement for identity verification.
Bank Statements are generally required only for "high-value" loans.

Documents required to be submitted

Copy of your Aadhaar Card
Copy of your PAN Card
1 post-dated cancelled cheque
Bank statements for the last three months

How to apply for a personal loan from Kissht?

Applicants can easily apply for the loan via the website. Simultaneously, the Kissht Mobile App can also be used effectively for document scanning and application processes. Given below are the steps to follow in order to apply for a Kissht personal loan:

Step 1: Navigate to the official Kissht website or download the mobile application.

Step 2: Click on the 'Apply Now' button to proceed.

Step 3: In case you are an existing user, you can utilize a registered mobile number or email-id for immediate entry after authetication by password and an OTP. New users must first register on the portal by submitting their personal details and mobile verification.

Step 4: Once logged in, you must select the specific financial product that aligns with your requirements.

Step 5: Upload the digital copies of your Aadhaar, PAN, and a Live Selfie.

Step 6: After submission, the NBFC (Non-Banking Financial Company) conducts a thorough audit of your information for risk assessment. If the documents meet the criteria, the loan amount is transferred directly to your bank account via e-NACH or digital transfer.

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A good credit score can help you secure lower interest rates on loans and credit cards.

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FAQs on Kissht Loan

How do I check the status of my kissht loan application?
You can check the status of your loan application by either sending a mail to care@kissht.com or calling the number 022-62820570 any time between 09:30 a.m. and 06:30 p.m. from Monday to Sunday.
Can I apply for a personal loan from Kissht from a physical store?
Yes, you can apply for a personal loan for buying products on EMI from merchants who have tie-ups with Kissht. You can call the number 022-3051 5500 and provide your pin code to the Kissht representative who will provide you with the nearest store from where you can avail a personal loan from Kissht.
What is the Kissht loan repayment tenure?
The repayment tenure can range from 3 months and 60 months.. The repayment tenure that you will choose will depend on your convenience and the type of loan availed by you.
I do not have my original PAN Card but a photocopy of the same, am I still eligible for the loan application process?
You can submit the photocopy of your PAN Card to Kissht who will do their best to ensure that your loan gets sanctioned. All you have to do is self-attest the photocopy of your PAN card, provide your signature and then upload it on the Kissht portal.
What is the maximum amount of loans that can be borrowed from Kissht?
You can borrow a loan of up to Rs. 5 lakhs from Kissht.

Important Personal Loan Pages

Personal Loan Eligibility by Banks

Personal Loan Interest Rates by Bank

Personal Loan EMI Calculator by Bank

Personal Loan Customer Care by Bank

Personal Loan Status Track by Bank

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