Kissht Personal Loan

To be eligible, you must be between 21 and 60 years of age, an Indian resident, and either salaried (minimum Rs.15,000 per month), self-employed (minimum Rs.1.2 lakh annual income), or a small business owner. You also need valid Aadhaar and PAN cards, and must provide a live selfie for verification.

Yes, a live selfie is now mandatory for identity verification as part of Kissht's KYC (Know Your Customer) process. This ensures secure and rapid verification without requiring you to visit a physical branch.

Yes, you can submit a photocopy of your PAN Card if you self-attest it and provide your signature. Kissht will make every effort to ensure your loan gets sanctioned provided the photocopy is clear and legible.

Bank statements are generally required only for high-value loans. Most loan applications are approved based on basic KYC documents alone (Aadhaar, PAN, and selfie).

You can apply online by visiting the official Kissht website or downloading the mobile app. Register with your mobile number, enter your basic details, complete digital KYC by uploading your PAN and Aadhaar, and submit your application.

Kissht loans are typically approved within minutes of application completion, with funds transferred directly to your bank account on the same day through e-NACH or digital transfer.

The free Kissht EMI Card is a credit instrument that allows you to convert your purchases into easy instalments without any annual maintenance charges. This removes the burden of high-fee credit cards whilst providing shopping flexibility.

No, Kissht offers zero foreclosure charges, allowing you to repay your loan in full before the tenure ends without incurring any financial penalties.

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

You can check your loan application status by sending an email to [care@kissht.com](mailto:care@kissht.com) or calling 022-62820570 any time between 9:30 a.m. and 6:30 p.m., Monday to Sunday.

Processing fees for Kissht Personal Loans are typically charged at 3% of the loan amount including GST. [TO CONFIRM exact current fee structure, as this varies based on loan amount and borrower profile]

A Kissht Personal Loan is multi-purpose and can be used for travel, medical emergencies, wedding expenses, education, debt consolidation, or any other personal financial need.

Yes, Kissht is operated by OnEMI Technology Solutions Limited, which is listed on the NSE and BSE as of 8 May 2026. The company's loan book, revenue, and customer metrics are independently disclosed through SEBI filings and stock exchange reporting.

Missing an EMI payment typically results in late fees and continued interest accrual on the outstanding amount, and may negatively affect your CIBIL credit score. Contact Kissht support before the due date if you anticipate repayment difficulty.

Yes, once you have an active Kissht loan and maintain good repayment behaviour, you may be eligible for a loan top-up, allowing you to borrow additional funds without reapplying for a fresh loan.