Read: Kissht loan app, In today’s article, we will know in detail about kissht loan app.Login, Register, Signup, Review, Interest Rate,
Kissht loan App
What is Kissht loan App
Kissht is India’s most trusted credit platform, backed by a RBI-licensed NBFC, offering hassle-free loans ranging from 30,000/- to 5,000,000. It takes an average of 10 minutes to complete the entire process, from registration to disbursement.
Kissht App Information
| App Name | Kissht App |
| Founded Date | Jul 13, 2015 |
| Founder & CTO | Krishnan Vishwanathan |
| Company Legal Name | OnEMI Technology Solutions Private Limited |
| Headquarters Regions | Asia-Pacific (APAC) |
| Download | 10M+ |
| Category | Finance |
| Last Update | 24 September, 2023 |
Kissht App Personal Loan
Kissht Loan App Benefits:
- A simple repayment option
- Kissht EMI Card for free
- No foreclosure charge
- Tenure that is flexible. You can choose the length of your repayment period.
- A variety of repayment options are available. With multiple repayment options, you can easily repay your loan.
- Process that is 100% digital. Paperless, digital process.
- No security or guarantor required
- Good for short term loans.
How many types of loans does Kissht App give?
Kissht loan app offers many types of loans, the information about which is as follows.
- Quick Personal Loan
- Online Shopping Purchase Loan
- Revolving Line of Credit
Quick Personal Loan
Installment Loans app provides fast, secure personal loans to Salaried and Self Employed people. The loan amount through this app ranges from ₹5,000 to ₹1,00,000/- with a tenure of 3 to 15 months.
The loan is disbursed on the basis of the credit profile of the individual. This app offers personal loan interest rates ranging from 16% to 26% per annum as interest rates.
Online Shopping Purchase Loan
Kissht app provides your customers the facility to buy their favorite goods from more than 1000 online stores and more than 2500 offline stores.
Online shopping option is available on Kisht app from where one can get E-Voucher from Kisht app. Voucher can be used for shopping on online platforms like Flipkart, Amazon.
Revolving line of credit
Until the customer repays on-time, Kissht’s revolving credit facility allows the customer to avail the limit for 2 years.
Waivers and reductions in installment amounts are offered to customers who pay on time to encourage better credit behavior.
- 20% to 28% APR.
- Limit of credit – Rs 30,000.
- Two years (24 months) is the credit limit tenure.
Eligibility criteria required For Kissht app
- A minimum annual income of Rs.1.2 lakh is required for self-employed individuals.
- Minimum salary requirement: Rs.15,000 per month for salaried individuals.
- Your credit score should be good.
Documents required For Kissht Loan App
- PAN Card
- Address Proof (AADHAR Card/Latest Utility Bill/ Valid Rent Agreement)
- Last 3 Month’s Bank Statement
- 1 Signed ECS form for auto-debit.
Kissht app loan interest Rate
| Interest Rate | 8% to 30% per annum. Additionally, certain product categories are offered at 0% interest rates for a period of six months. |
| Forclose Charge | Nill |
How to apply for a personal loan from Kissht?
Step -1 Kissht has a website that you can visit.
Step -2 Please click on the ‘Apply Now’ button located on the right side of the page.
Step -3 If you are an existing customer, you can sign in by entering your mobile number or email address followed by a password. A one-time password (OTP) can be generated on your mobile phone if you do not want to log in using your password. You can apply for a personal loan in the portal once you enter the OTP.
Step -4 If you are a new user, then fill out the required information. Your registered mobile number will receive an OTP. Then click on the ‘Register Now’ button.
Step -5 The portal can now be accessed using your login credentials.
Step -6 Choose the loan product you would like to apply for. Provide the lender with the necessary documents. After you submit your documents, the bank will verify them, and if they are satisfied that the information you provided is accurate, the lender will disburse the loan amount to your bank account.
Kissht App Customer Care Number
- Customer Care Number: 022-62820570
- E-Mail ID – Care@kissht.com
- Address– 2nd Floor, Der Deutsche Parkz, Subhash Nagar Rd, Nahur Station, Nahur West, Industrial Area, Bhandup West, Mumbai, Maharashtra 400078.
Kissht App Reviews
- Rating 4.5 Out of 5
| Star | Percent |
| 5 | 79% |
| 4 | 15% |
| 3 | 4% |
| 2 | 1% |
| 1 | 1% |
Conclusion:
Hope today’s post has been helpful for you, in which we have told you about the information related to Kissht Loan App.
FAQ – Kissht App
1. How do I check the status of my kissht loan application?
Ans – If you want to check the status of your loan application, please send an e-mail to care@kissht.com or call 022-62820570 between 9:30 am to 6:30 pm every day.
2. What is the Kissht loan repayment tenure?
Ans – Payments can be made over a period of 6 months to 24 months. According to your convenience and the type of loan you take out, you will choose the repayment term.
3. What is the late payment charges for Kissht?
Ans – The borrower will be charged 3.50% per month on the remaining outstanding EMI amount (if they fail to pay the EMI by the scheduled EMI date).
4. What is the eligibility criteria for Kissht app?
Ans – An electronic document containing a Permanent Account Number (PAN). The applicant must be an Indian citizen and a resident of India. The employment type must be salaried or self-employed. Disbursement of loans is at the sole discretion of the lender.
5. What is the penalty for not paying EMI on time?
Ans – In most cases, a penalty of between 1% and 2% is charged for late payments. During the next cycle, you must pay the missed EMI, the penalty, and the next month’s EMI.
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