Kissht is India's Trusted Digital Loan App for Personal Loans & Business Loans up to ₹5 lakhs in 5 mins with Instant Loan Approval, 100% Zero Paperwork with Digital KYC
Kissht is India’s trusted digital loan app, which offers quick personal loans, business loans. Whether you are salaried or self-employed, there is credit available for you on Kissht. Avail funds for personal expenses or business growth, Kissht loan app provides you immediate financial assistance.
What is Kissht App?
Kissht offers online personal loans of up to ₹5,00,000 with minimal documentation. In just 5 minutes, you can apply for a personal loan and get your funds in your bank account. Kissht provides competitive business loans to meet entrepreneurs' needs, enabling them to access capital quickly.
Example of Unsecured Personal Loan
Loan amount (Sanctioned): ₹ 1,25,000.
Tenure: 24 months.
Interest Rate: 14.60% per annum.
Processing Fee (incl. GST): ₹ 7,375.
Total Interest: ₹ 20,912.
EMI: ₹ 6,037.
APR: 23%.
Sanctioned loan amount is ₹ 1,25,000.
Net disbursed amount is ₹ 1,17,625.
Total loan repayment amount is ₹ 1,45,912.
Total cost of the loan = Interest Amount + Processing Fees
= ₹ 20,912 + ₹ 7,375 = ₹ 28,287.
We work with RBI-registered NBFCs. These NBFCs are as follows:
-Si Creva Capital Services Pvt Ltd
-MAS Financial Services Ltd
-Northern Arc Capital Ltd.
-Piramal Capital & Housing Finance Ltd.
-SMFG India Credit Co. Ltd.
How to apply for Kissht instant loan?
1. Install Kissht app
2. Register with a mobile number & accept basic permissions
3. Complete 100% digital KYC for an instant credit check
4. Sign online loan agreements from approved NBFCs
Why Choose Kissht for Your Instant Personal Loan Needs?
Whether it’s for an emergency or business growth, Kissht provides instant loans with flexible repayment plans.
- Digital personal loans from ₹10,000 to ₹5,00,000
- Interest rates - 12% to 28.5% p.a.
- Tenure - 6 to 60 months
- APR range - 18% to 36%*
*Note: These numbers are for representation purposes only. The final interest rate & APR will depend on the customer’s credit assessment, as decided by Kissht’s Lending Partner(s).
Kissht stands out among loan apps by providing quick, reliable, and secure instant small loans. Kissht loan app helps you get a quick personal loan and business loan to manage emergencies or meet your financial goals. Kissht offers a convenient online loan application process with transparent terms and competitive interest rates. Our low-interest loan and easy repayment plans make managing finances stress-free.
What Makes Kissht a Trusted Digital Loan App?
1. Easy Approval: Get instant loans online with minimal documentation in a fully digital process.
2. Instant Fund Transfer: With the Kissht advance loan app, you can get funds directly transferred to your bank account.
2. Safe & Transparent: Kissht prioritizes user safety and follows RBI guidelines for collections. Our processes are transparent, with no hidden charges.
3. Customer-Centric: We adopt a human-first approach, ensuring a delightful experience at every interaction.
4. Competitive Rates: Enjoy a lower-interest loan with flexible repayment options.
Our Commitment to Customer Safety
1. All communication for payment reminders is done via registered landline numbers only. We never use personal mobile numbers, foreign numbers, or VOIP calls.
2. Payments are collected only through our app or website. We never request payments to personal accounts or demand commissions on dues.
3. Our collection processes strictly follow RBI and MeitY guidelines. All calls are monitored and recorded to ensure no threats or abusive language are used.
4. The Kissht app respects your privacy, it does not access your Contacts List, and we do not contact your friends or relatives regarding loan repayments.
Contact Us:
1. Write to care@kissht.com OR call our customer care number on 08044745884 / 08062816309.
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
Kissht is a known name in the Indian digital lending space and the app looks clean and easy to use. The loan application process is simple and mostly paperless, which makes it convenient for users who need quick funds in emergencies. The interface is user-friendly and the app performance feels smooth after recent updates.However, users should be cautious before taking a loan. The interest rates, processing fees, and late payment charges are not always clearly highlighted upfront, so it is very important to read the terms and conditions carefully before accepting any offer. Like most instant loan apps, it may ask for multiple permissions, which could be a concern for privacy-conscious users.This app is suitable for short-term financial needs if you are confident about timely repayment. Missing EMIs can lead to high penalties and additional charges. Overall, Kissht is not a scam, but it is also not a low-cost loan optio
Developer Response
Dear User,Thank you for your wonderful 5-star rating! We truly appreciate your support and trust in our services. Your feedback motivates us to serve you even better. We would be grateful if you could share your experience with your family and friends. Thank you for being with us!
Kisht the best app
Iam saifu
Kissht is a known name in the Indian digital lending space and the app looks clean and easy to use. The loan application process is simple and mostly paperless, which makes it convenient for users who need quick funds in emergencies. The interface is user-friendly and the app performance feels smooth after recent updates.However, users should be cautious before taking a loan. The interest rates, processing fees, and late payment charges are not always clearly highlighted upfront, so it is very important to read the terms and conditions carefully before accepting any offer. Like most instant loan apps, it may ask for multiple permissions, which could be a concern for privacy-conscious users.This app is suitable for short-term financial needs if you are confident about timely repayment. Missing EMIs can lead to high penalties and additional charges. Overall, Kissht is not a scam, but it is also not a low-cost loan optio
Fast and reliable loan app
Rathore Yuvraj
Kissht is a very reliable and user-friendly loan app. The application process is simple, fast, and completely digital, which makes it very convenient. I received quick approval and the funds were credited without any delays. The EMI options are flexible and affordable, making repayment easy to manage. The app interface is clean and easy to navigate, even for first-time users. Customer support is also helpful and responsive. Overall, Kissht is a great option for anyone looking for instant personal loans with a smooth and hassle-free experience. Highly recommended!
Developer Response
Dear User,Thank you for rating us 5 stars! Your support means a lot to us. We look forward to continuing to serve you better. If you’re happy with our service, please feel free to recommend us to others. Thank you!
Absolute Nightmare – Post-Foreclosure Harassment & Zero Support
AkshayDavar
I would give zero stars if I could. I foreclosed my loan on March 31st, and the experience since then has been a total disaster.• Financial Negligence: Even after I paid off the full balance and received email confirmation that they have my money, they still tried to autodebit an EMI from my bank account. This is unacceptable and legally questionable.• Zero Customer Service: I have been trying to call them all morning. No one picks up. When you finally get someone on the line, they lie. A representative promised to email me my NOC immediately after our call—it never arrived.• System Lag: They claim it takes "4–5 days" to reflect a payment that they’ve already acknowledged receiving. In the meantime, your bank account is at risk of unauthorized debits.This app and company are quick to take your money but completely disappear when it's time to provide a simple NOC or stop illegal debits. Avoid this lender at all costs if you value your peace of mind and your credit score
Developer Response
Dear User, We are saddened to hear such a review. We request you to kindly write to us at reviews@kissht.com, so as to arrange a callback and know in detail about the issues you are facing. Thank you!
• Improved app performance
• Minor UI refinements
• Bug fixes and stability improvement
Version 1.0.5
The developer, OnEMi Technology Solutions Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Location
Contact Info
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Provider
OnEMi Technology Solutions Limited
Size
133.2 MB
Category
Finance
Compatibility
Requires iOS 15.1 or later.
iPhone Requires iOS 15.1 or later.
iPod touch Requires iOS 15.1 or later.
Mac Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
