Kissht, a leading instant loan app, offers quick personal loans ranging from ₹30,000 to ₹5 lakhs for salaried individuals, self-employed professionals, and small business owners. Powered by OnEMi Technology Solutions Pvt. Ltd., an RBI-registered NBFC, Kissht ensures a 100% digital, paperless process, delivering funds to your bank account in as little as 5 minutes post-approval.
Whether you’re tackling a financial emergency, funding a dream purchase, or managing unexpected expenses, Kissht’s instant personal loan is designed for fast, secure, and hassle-free borrowing without collateral. Discover why Kissht is a top choice among quick loan apps in India. Read on for eligibility, application steps, interest rates, and more!
What is the Kissht Instant Loan App?
Kissht is a trusted instant loan platform that simplifies access to personal loans with minimal documentation, rapid approvals, and flexible repayment options. Partnered with RBI-regulated lenders, Kissht caters to diverse financial needs, from medical emergencies to lifestyle upgrades. Its user-friendly app, available on the Google Play Store, ensures a seamless experience for borrowers across India.
| App Name | Kissht |
|---|---|
| Category | Instant Loan App |
| Loan Type | Personal Loan Business Loan Loan against Property |
| Loan Amount | ₹30,000 to ₹5 Lakhs |
| Process | Fully Online |
| Repayment Tenure | 3-24 Months |
| Required Credit Score | 550-700 |
| Approval Type | Instant |
| Interest Rate | 14% to 45% p.a. |
| Disbursal Time | 5 Minutes |
| Required Documents | PAN, Aadhaar, Selfie, Bank Statement (if requested) |
| App Link | Download |
Why Choose Kissht for Instant Personal Loans?
- Lightning-Fast Approvals: Get loan decisions in 5 minutes after KYC verification.
- Flexible Loan Amounts: Borrow from ₹30,000 to ₹5 lakhs based on your eligibility.
- No Collateral Required: Access funds without pledging assets.
- RBI-Compliant: Operates under strict regulatory guidelines for safety and transparency.
- User-Friendly App: Complete the entire process online, from application to disbursal.
Eligibility Criteria for Kissht Loans
To apply for a Kissht instant personal loan, ensure you meet these requirements:
- Citizenship: Must be an Indian citizen.
- Age: Between 21 and 60 years.
- Income:
- Salaried individuals: Minimum ₹15,000/month.
- Self-employed: Minimum ₹1.2 lakh/year.
- Documents: Valid PAN and Aadhaar cards.
- Bank Account: Must have an active bank account in your name.
- Credit Score: Preferably 550 or higher (lower scores may qualify with higher interest rates).
Required Documents for Kissht Loan Application
Kissht’s paperless process requires minimal documentation for quick verification:
- Aadhaar Card: This is proof of identity and address.
- PAN Card: For financial verification.
- Selfie: For digital KYC authentication.
- Bank Statement: Optional, may be requested for high-value loans.
Ensure all documents are clear and valid to avoid delays in approval.
Types of Loans Provided by Kissht App
Kissht is a popular digital lending platform in India that provides quick and hassle-free loan services to individuals. It mainly offers three types of loans: Personal Loans, Business Loans, and Loans Against Property.
1. Personal Loan:
Kissht provides unsecured personal loans to salaried and self-employed individuals for various purposes such as medical emergencies, travel, education, or home renovation. The application process is fully digital with minimal documentation.
2. Business Loan:
Designed for small and medium-sized businesses, Kissht’s business loans help entrepreneurs meet working capital needs, expand operations, or manage cash flow. These loans are flexible and require basic financial documentation.
3. Loan Against Property (LAP):
This loan allows borrowers to mortgage their residential or commercial property to get a higher loan amount at a lower interest rate. It’s ideal for long-term financial needs like business expansion, education abroad, or debt consolidation.
How to Apply for a Kissht Instant Personal Loan?
Applying for a Kissht loan is a simple 4-step process designed for convenience:
- Download the Kissht App
- Install from the Google Play Store.
- Register using your mobile number and grant the necessary permissions.
- Complete Digital KYC
- Upload Aadhaar, PAN, and a selfie for e-KYC.
- Provide employment details (salaried/self-employed) and bank account information.
- Choose Loan Amount and Tenure
- Select a loan amount between ₹30,000 and ₹5 lakhs.
- Pick a repayment tenure from 3 to 24 months.
- Review the EMI breakdown for transparency.
- Receive Instant Approval and Disbursal
- Get approval within 5 minutes.
- Funds are credited directly to your bank account.
Pro Tip: Apply during business hours for faster processing.
Related Loan Apps:
Kissht Interest Rates and Charges
Kissht offers competitive rates, but costs vary based on your credit profile and loan terms:
- Interest Rate: 14% to 45% per annum (depends on credit score and loan amount).
- Processing Fee: Up to 5% of the loan amount, deducted upfront.
- Late Payment Fee: Varies; avoid penalties by paying EMIs on time.
- EMI Bounce Charges: Applicable if payments fail due to insufficient funds.
- Prepayment Charges: May apply, depending on the lender’s terms.
Always review the loan agreement for a clear breakdown of charges.
Key Features of Kissht Instant Loan App
✅ Instant Approvals: Decisions in 5 minutes after verification.
✅ Flexible Loan Range: From ₹30,000 to ₹5 lakhs for diverse needs.
✅ Customizable EMIs: Repay over 3 to 24 months with affordable plans.
✅ Paperless Process: Apply and get funds entirely online.
✅ Transparent Terms: See all fees and interest upfront.
✅ Secure Platform: RBI-compliant with strong data protection.
Kissht Instant Loan App Customer Care and Support
For queries or assistance, Kissht offers multiple support channels:
- Email: care@kissht.com
- Phone: +91 8044745884 or +91 8062816309 (9:30 AM – 6:30 PM, Monday–Saturday)
- In-App Chat: 24/7 support via the Kissht app
- Website: www.kissht.com
Pros and Cons of Kissht Instant Loan App
| Pros: |
|---|
| Get Funds in 5 minutes for urgent needs |
| Minimal Documentation required: PAN, Aadhaar, and a selfie. |
| Flexible Tenure from 3 to 24 months. |
| RBI-registered and regulatory compliance. |
| Cons: |
| High Interest Rates Up to 45% p.a. for lower credit profiles. |
| Processing Fees Up to 5% can increase borrowing costs. |
| Not for Long-Term Loans High rates make extended borrowing less ideal. |
Final Thoughts on Kissht Instant Personal Loans
Kissht stands out as a reliable instant loan app for those needing quick cash for emergencies, purchases, or business needs. Its 5-minute approval, minimal documentation, and digital process make it a go-to choice for urgent financing. However, the high interest rates (14%–45% p.a.) suggest it’s best suited for short-term loans. Always compare offers and read the fine print to ensure affordability.
For a secure, transparent, and fast loan experience, download the Kissht app today and take control of your finances!
Disclaimer: LoanCr.com does not offer loans or financial services. This article is for informational purposes only. Before applying for an instant loan, please review all terms and conditions on Kissht’s official website or app.