Kissht is a trusted digital lending platform that provides instant access to secured and unsecured loans up to ₹5 Lakhs. The platform offers quick approvals, minimal documentation, and money transfer to your bank account in as little as 5 minutes.
Kissht is operated by OnEMI Technology Solutions Limited, which completed its initial public offering and listed on the NSE and BSE on May 8, 2026. This makes Kissht's parent company a publicly traded, SEBI-regulated entity, with its financials, lending book, and user metrics independently disclosed and verifiable through stock exchange filings rather than relying solely on company-reported figures.
Highlights from the public listing:
For borrowers, this means Kissht's scale and lending activity are a matter of public record, not just marketing claims, which is worth knowing when evaluating whether a digital lending app is legitimate and accountable.
Kissht offers multiple advantages for borrowers seeking quick and transparent financing:
Kissht offers a range of loan products designed for different financial needs, from quick personal requirements to larger secured funding options.
Complete these quick steps to get your loan in your bank account:
Install the Kissht app from the Play Store or App Store and sign up.
Choose the loan you need and finish a simple digital application. Before applying, you can estimate your monthly repayment using the personal loan EMI calculator or the business loan EMI calculator.
Once approved, the amount is transferred directly to your bank account.
The Kissht app makes borrowing simple, transparent, and entirely digital:
The app ensures complete transparency on loan amount, tenure, and interest rates, enabling informed decision-making.
| Criteria | Requirement |
|---|---|
| Nationality | Indian Resident |
| Age | Between 21 to 60 Years |
| Documentation | PAN Card, Aadhaar Card and a selfie |
| Who Can Apply | Salaried, Self-Employed, Small business owners & MSMEs |
| Additional Requirements | Depending on credit profile, income proof may be needed for higher loan amounts |
Self-employed applicants can find profile-specific guidance in the personal loan for self-employed guide.
Kissht provides EMI calculators for various loan types:
Kissht offers instant personal loans in various amounts:
As a fully digital lending platform, Kissht is available to eligible applicants across India, not limited to any specific city or region. The app has dedicated support content for cities including Ahmedabad, Delhi, Pune, Jaipur, Coimbatore, Bangalore, Mumbai, and Chennai, along with many other cities and towns nationwide, since the entire application, approval, and disbursal process happens through the app without any need for a branch visit.
Overall Rating: 4.6/5 based on customer reviews
Anjali M, Mumbai
"I needed money urgently and was worried about long processes, but Kissht made it so simple. I applied, and within no time, I got the money I needed."
Amit K, Mumbai
"I always thought getting a loan would be difficult because I don't understand big bank rules, but Kissht made everything so simple. I applied easily and got my loan instantly. The convenience in applying just makes the experience better."
Hitesh, Mumbai
"Before my salary came, I had a sudden expense and didn't know what to do. Kissht helped me get the money quickly without any long forms or complications."
Nikhil, Mumbai
"Everywhere else, I had to submit too many papers and visit offices, but with Kissht, I got my loan without running around. It was quick, simple, and stress-free."
Over the years, Kissht has earned recognition for its customer-first approach, strong technology, and consistent delivery of dependable financial services. Kissht's parent company, OnEMI Technology Solutions Limited, is publicly listed on the NSE and BSE, adding a layer of regulatory and financial transparency that few digital lending apps in India offer.
Kissht is proud to support FACE (Financial Industry Associations of Consumer Empowerment) and CIBIL in their efforts to:
The Kissht app is completely safe and reliable for availing credit:
Kissht follows RBI's regulatory framework for digital lending and loan recovery conduct in how it communicates with borrowers, including during recovery of overdue payments:
Kissht is a trusted digital lending platform that helps you access quick and convenient credit options anytime, anywhere. Through the Kissht app, users can easily apply for a personal loan, instant business loan, or even a loan against property - all in a few simple steps.
Known as one of the best instant loan apps in India, Kissht enables a paperless loan experience with quick approvals and minimal documentation. Whether you need funds for business, travel, or emergencies, this instant loan app ensures fast access to credit with complete transparency and security.
Yes, the Kissht app is completely safe and reliable for availing credit. It is a registered digital lending platform that follows all RBI guidelines to ensure secure and transparent transactions. The Kissht loan app uses advanced encryption to protect your personal and financial data.
Whether you're applying through this instant loan app or exploring personal loan apps online, you can trust Kissht for a smooth and secure experience. Thousands of customers across India rely on this best loan app for quick, paperless, and hassle-free loan approvals.
The Kissht app makes borrowing simple, transparent, and entirely digital. Whether you need quick funds for emergencies, travel, or business, this instant personal loan app lets you apply in just a few minutes.
To get started, download the Kissht app and verify your mobile number using an OTP. Next, enter your basic details such as name, date of birth, address, and employment information. Complete your digital KYC instantly by uploading your PAN and Aadhaar card for verification.
Once your eligibility is confirmed, your Kissht loan is approved and the money is transferred directly to your bank account - often within minutes. The app ensures complete transparency on loan amount, tenure and interest rates, so you can make informed decisions.
With its fast processing, secure platform and paperless documentation, the Kissht personal loan app is among the best loan apps in India, making borrowing easy, quick, and stress-free.
Downloading the Kissht app is quick and simple. You can install it directly from the Google Play Store or the Apple App Store. Tap install and once downloaded, open the app to start your quick loan application process.
The Kissht personal loan app offers a smooth, paperless experience for users looking to get funds instantly. Whether you're applying for a personal loan, an instant business loan, or checking your eligibility, the best loan app in India makes borrowing fast, safe, and convenient - anytime, anywhere.
To apply for a Kissht loan, you must be an Indian citizen between the age of 21 to 60 years. The Kissht app requires basic documents like a selfie, PAN card and Aadhaar card for digital verification.
Depending on your credit profile, income proof may be needed for higher loan amounts. Whether you're salaried, self-employed, or a small business owner, you can easily apply through the Kissht personal loan app. Designed as one of the best loan apps in India, Kissht makes the process quick, secure, and entirely paperless for instant approval and disbursal.
Yes. Kissht is operated by OnEMI Technology Solutions Limited, which listed on the NSE and BSE on May 8, 2026 through a ₹926 crore initial public offering. This means the company's user base, loan book, revenue, and profitability figures are disclosed through SEBI filings and stock exchange reporting, in addition to what Kissht shares on its own platforms. Borrowers can independently verify these figures through NSE and BSE listings rather than relying only on Kissht's own claims.
Missing an EMI typically results in late fees and continued interest accrual on the outstanding amount, and may affect your CIBIL score. The what happens if you miss an EMI guide covers the grace period, penalty structure, and credit score impact in detail. If you know in advance that you will be unable to pay, contacting Kissht support before the due date to discuss repayment options is generally more effective than missing the payment and waiting for a recovery call. For borrowers already behind on payments, Kissht offers settlement discussions, though the extent of principal waiver, if any, depends on the specific case and outstanding amount.
No. Kissht's recovery communication is directed only to the borrower and any formally nominated guarantor, in line with RBI's regulatory framework for digital lending, which prohibits lenders from contacting unrelated third parties during recovery. If you experience recovery conduct that falls outside this, you can raise it through Kissht's Customer Grievance Redressal Mechanism or escalate to RBI directly through its Complaint Management System.
To settle or foreclose a Kissht loan, borrowers can reach out through Kissht's Customer Support or Grievance Redressal channel to discuss the outstanding principal, applicable foreclosure charges, and any waivers on late fees or penalties. Settlement terms vary by individual loan status and how overdue the account is, so it's best to initiate this conversation directly with Kissht rather than through third parties. Borrowers looking to reduce future EMI burden rather than settle outright can also review the personal loan balance transfer option.
Before applying for any instant loan app, check that the app clearly discloses its NBFC partner's name and RBI registration on its website or within the app itself, that the loan agreement and Key Fact Statement are shown before disbursal, and that repayment terms and tenure are stated upfront rather than changing after the loan is disbursed. Kissht's NBFC partner is Si Creva Capital Services, and Kissht's parent company OnEMI Technology Solutions is publicly listed on the NSE and BSE, both of which can be independently verified.
Sapno ko kaho YES (Say YES to your dreams)
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