Kissht: Instant Line of Credit

4.5
780K reviews
10M+
Downloads
Content rating
Everyone
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About this app

Kissht is India’s most trusted credit platform, backed by an RBI licensed NBFC, providing hassle-free personal loans up to ₹2,00,000. The documentation needed is minimal and the entire process starting from registration to disbursement takes an average of 5 minutes. The application process is 100% digital and on approval, the funds are immediately transferred to the applicant's bank account.


APR varies from 18% - 36% per annum and loan tenure up to 24 months.


Example of Credit for Small Business Purchases
Loan amount (Principal): ₹ 1,00,000.
Tenure: 12 months.
Interest Rate: 30% per annum.
Processing Fee (incl. GST): ₹ 3000 (3%).
Total Interest: ₹ 16,985.
EMI: ₹ 9747.
APR: 36.86%.
Loan amount is ₹ 1,00,000.
Disbursed amount is ₹ 97,000.
Total loan repayment amount is ₹ 1,16,985.
Total Cost of the Loan = Interest Amount + Processing Fees = ₹16,985 + ₹3000 = ₹19,985.


You can also top-up your loan with additional credit at any time. Your existing loan will be foreclosed closed at ZERO cost and you will avail a higher amount, payable over a longer tenure.

We work with RBI-registered NBFCs.The NBFCs are as follows:
-Si Creva Capital Services Pvt Ltd
-MAS Financial Services Ltd
-Poonawalla Fincorp Limited
-Northern Arc Capital Ltd.
-Piramal Capital & Housing Finance Ltd.

How to apply for Kissht instant loan
1. Install Kissht app
2. Register with a mobile number & accept basic permissions
3. Submit KYC documents for an instant credit check
4. Sign online loan agreements from approved NBFCs. Get instant loan approval and money is transferred to your bank account


We care for you!

Kissht follows a human-first approach to customer service. We care deeply about customer safety, and data protection and take adequate measures to ensure that our customers have a seamless and delightful experience, at every interaction. Our collection processes are designed to be empathetic and follow all guidelines prescribed by RBI and MeiTY


1. We do not contact customers via any private or personal 10-digit mobile number on WhatsApp or SMS.
2. We do not contact customers for payment collection reminders from personal mobile numbers, foreign numbers or Internet-based VOIP calls. Our team always calls you from registered landline numbers.
3. We never ask customers to make payments into personal or private bank accounts. Payments are only collected on our website or the app.
4. All our calls are monitored and recorded. Our agents never use threats or abusive language.
5. We never ask for commission or cutbacks on payments of dues.
6. Our App does not seek permission to access your Contacts List or any other private data.
7. We never call your friends or relatives for repayment of your loan as we do not store your personal information.


In case you have faced any of the above-mentioned situations, do this:
1. Write to care@kissht.com OR call our customer care number on 02262820570/ 0224891492.
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.
MH, India
Updated on
Mar 20, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Financial info
No data collected
Learn more about how developers declare collection
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.5
775K reviews
Ankur Chauhan
March 26, 2024
I can't recommend kissht enough! It's been a lifesaver for me in times of need. The application process is lightning-fast, and I've always received the funds I needed almost instantly. The app's interface is intuitive, making it super easy to use. Plus, the transparent terms and competitive rates make managing my finances stress-free. If you're looking for a reliable source of instant credit, look no further than kissht Rating
18 people found this review helpful
Onemi Technology Solutions
March 26, 2024
Dear User, Thank you for giving us a 5-star rating! Your feedback and support have helped us work harder to provide you the best of our services. Please help us expand by spreading the word about us among your family and friends. Thank you!
Bhavesh Prajapati
March 27, 2024
Instant Credit App is a game-changer! With its seamless interface and lightning-fast processing, getting credit has never been easier. From quick approvals to flexible repayment options, this app delivers convenience and reliability. Whether it's for emergencies or everyday needs, Instant Credit has got you covered. Plus, the customer support team is top-notch, providing assistance whenever needed. Say goodbye to lengthy paperwork and hello to financial freedom with Instant Credit App.
13 people found this review helpful
Onemi Technology Solutions
March 27, 2024
Dear User, Thank you for giving us a 5-star rating! Your feedback and support have helped us work harder to provide you the best of our services. Please help us expand by spreading the word about us among your family and friends. Thank you!
Bhavya Verma
March 26, 2024
This is the best way to get personal loan easily and quickly. I was facing some problems at first but the executives helped me a lot and their behaviour is also satisfactory. I shall highly recommend the app for getting a personal loan. Just go for it. Very much trustworthy and very very easy interface. Love it . 100 percent recommend !!!
15 people found this review helpful
Onemi Technology Solutions
March 27, 2024
Dear User, Thank you for giving us a 5-star rating! Your feedback and support have helped us work harder to provide you the best of our services. Please help us expand by spreading the word about us among your family and friends. Thank you!

What's new

1. Minor bug fixes and under the hood improvements