Frequently Ask Questions

Documentation

  • PAN Card
  • Aadhar (Address Proof) Card
  • Cheque

While the above are our basic requirements, you may be asked 1-2 additional documents based on your profile.

  • 3 months Bank Statement
  • Utility Bill

Unfortunately, we need to validate your PAN Card number to process the application further. You are required to hold a valid PAN card number in order to complete our loan application process.

No worries. We will do our best to approve your loan, based on a self-attested PAN card photocopy. To self-attest your PAN card photocopy, provide your signature on the same and upload the image on our web portal/app.

Unfortunately, we need to validate your Aadhar Card number to process the application further. You are required to hold a valid Aadhar card number in order to complete our loan application process.

No worries. We will do our best to approve your loan, based on a self-attested Aadhar card photocopy or you can even upload your E-Aadhar for the same. To self-attest your Aadhar card photocopy, provide your signature on the same and upload the image on our web portal/app.

No need to worry if you get such a message. This means that you already have a profile created with us in the past and have used your Aadhar/Pan number in that profile. We request you kindly to get in touch with our customer service desk at care@kissht.com or call us at 022-62820570 so that we can update your current contact to let you use your original account instead of creating duplicate accounts as we reject loan application on basis of duplicate accounts as well. You can also use the Live chat option in the Kissht app Download Here or on the Website for the same.

3 months' worth bank statement is mandatory for Instant Cash Loan. In case of Product loan, customers are required to provide the bank statements basis their profile evaluation wherein it is mandatory if asked.

No, if you are still staying in the same address as mentioned in your previous loan application then you are not required to re-submit all your documents when you are applying for a second loan from Kissht. Being said that, there are few documents that expire with time (like Rent agreement, Utility Bill and Bank Statement). We require you to re-submit only these expiry based documents and even this requirement may vary from case to case.

 

You can –

  • Upload your Bank Statement in a .PDF format (downloaded from Net Banking)
  • Link your NET Banking online using our net banking link powered by Perfios software
  • Take a printout of your 3 months bank statement from the branch with a stamp of the concerned bank on every page/first page of bank statement and upload images/scanned copy of the same on the app/portal
  • Upload images of your Bank Passbook entry for 3 months along with the front page of your passbook.
  • In case of Salaried Customers, share the last 3 months' worth bank statement of your Salary Account wherein we can see the inflow of your 3 month's salary
  • In case of Self Employed customers, share the last 3 months' worth bank statement of any of your active bank wherein you have the maximum transactions and the balance is stable or maintained.

Please note that both the Cheque and Bank statement should be of the same bank account. M-Passbook is not allowed.

Unfortunately, we need a post-paid cheque of the bank account which you have provided for your Income Proof, as we would deduct your EMI's from the same account. You can apply for a new cheque book or one loose cheque from your bank if permissible by the bank. If you wish to apply for a new cheque book, we can keep your loan application on hold till you receive your cheque book so as to keep your loan from getting rejected.

Sadly, you are not eligible in that case. The customer having an operational bank account is an important part of our process, without which our systems cannot assess the credibility of the loan application. Moreover, EMI payments are auto-debited from the bank account via ECS and in the absence of a bank account ECS registration cannot be done. You can open a bank account in your name and re apply for the loan from Kissht.

If you live in your own or family owned house, you can provide any one of the below mentioned documents as address proof:

  • Aadhar card
  • Driving License
  • Passport
  • Latest Electricity Bill (up to last 2 months accepted, not older than that)
  • Piped Gas Bill (up to last 2 months accepted, not older than that)
  • Property Tax Bill (the bill which shows how much property tax has to be paid during the year by owner)
  • Sales Deed (Agreement signed by owner at the time of buying the flat)

If you live in a rented house or as a paying guest, you can submit any one of the below mentioned documents as address proof:

  • Notarized Rent Agreement (should not have expired)
  • Aadhar card with rented address mentioned on it
  • Driving License with rented address mentioned on it
  • Passport with rented address mentioned on it

No worries, we will accept such address proof provided that you are able to provide a relationship proof document which shows the relation between you and the person in whose name the address proof is submitted. Consider the below situations for example:

  • When address proof is in your Mother's Name-
    Relationship proof can be documents like Passport which show your & your mother's name together OR Birth Certificate / School Leaving Certificate / Ration card / Your Mother's PAN/SSC Certificate/ Aadhar card showcasing her husband's name which matches with the father's name in your PAN card, etc.
  • When address proof is in your Husband's Name-
    Relationship proof can be documents like your Marriage Certificate OR your PAN/Aadhar card showing your husband's name / Ration card, etc.
  • When address proof is in your Brother/Sister's Name-
    Relationship proof can be documents like your family's Ration Card showing your name and your Brother/Sister's name together OR your Brother/Sister's PAN Card/Aadhar card having father's name similar to the father's name mentioned in your PAN/Aadhar card, etc.
  • When address proof is in your Grandfather/Grandmother's name:
    Relationship proof can be documents like your Father's PAN/Aadhar card showing your Grandfather's name OR family Ration card etc.
  • When address proof is in your Uncle/Aunty/Relative's name:
    Relationship proof can be any kind of valid KYC proof which can prove your relation. Ex: Your Pan will have your Father's name and your Father's PAN Card & Uncle's PAN Card will have your Grandfather's Name which would match OR your Father's old ration card which will shows his brother's (i.e. your uncle's) name.

Before uploading your signed cheque, you need to ensure the below:

  • The signed cheque should have your name printed on it as account holder/joint account holder
  • The cheque should be Cheque Truncation System (CTS) enabled as non-CTS cheque has been banned by the RBI
  • If your name is not printed on the cheque, you need to upload a page of your recent bank statement OR front page of your passbook which will enable us to cross - verify your name in the bank account
  • If the cheque given is in the name of a Business/Company owned by you (i.e. current account cheque), then you need to upload any one of the below documents which showcases your name alongside the name of your company so as to verify that you are the owner of the company and have the rights to issue cheque's on the company's behalf
    • Gumasta
    • GST License
    • Latest Income Tax Return acknowledgement copy (ITR) of the company

ou can provide any of the below given utility bills. The same needs to be latest 2 months old. In case the bill is not in your name but in your parents/spouse/sibling/family member's name, the same will be accepted once you provide a relationship proof document

  • Electricity bill
  • Gas Bill (Gas Cylinder delivery receipt OR Piped Gas Bill)
  • Broadband Internet Bill (wired internet only allowed, Dongle/SIM card internet not allowed)
  • Water Bill
  • Landline Bill
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Loan Application Status

You can reach us at care@kissht.com or call us at (022-62820570) between 9.30 am to 6.30 pm on all days.

You can also live chat with us through our Kissht App Download Here or on our website https://kissht.com

Once you apply for the loan the following is the process involved in approval of our loan:

  • The loan application & the documents uploaded by you are verified by our credit approval team
  • If there is any discrepancy or error in any document, our team will reach out to you to get the same uploaded at the earliest.
  • Once all the documents are approved, our team fixes an appointment at your home/office address to take your signatures on the NACH (auto-debit) form and 1 post-dated cheque for the 1st EMI.
  • After completion of the same, we give Final approval to your loan and the same is disbursed by us.

You have to make the down payment or pay the processing Fee depending on the Service availed from us before completing the loan application. We will process your loan application further only after the payment has been made.

Don't worry, we will refund your entire amount if your loan is not approved.

No, there are no unpleasant surprises in the form of hidden charges at Kissht. Our pricing is absolutely transparent.

Yes, on behalf of our Financing Partner, we have to do it as a mandatory step for verification and eligibility.

Approval/Rejection of a loan application is solely at the discretion of Kissht Limited. If your profile doesn't meet our eligibility criteria, your application can get rejected due to various reasons.

 

Approval/Rejection of a loan application is solely at the discretion of Kissht Limited. If your profile doesn't meet our eligibility criteria, your application can get rejected due to various reasons. In some cases, we do share the reason directly to you via SMS and mail and can only advice to reapply post resolving those issues.

Your loan application is incomplete without payment of down payment & processing fee. As a result, when your make the payment, your loan application is considered complete & is the verified by our algorithm based automated credit verification system, which is the first level of verification. If your profile does not match our eligibility criteria, the system immediately rejects your loan application and gives you an option to select the mode for refund of payment made by you as per your convenience.

Option 1: Kindly re-apply after 3 months to see if you have become eligible, as our system keeps updating your eligibility status every 3 months.

Option 2: Simply ask any other income earning family member / close friend to apply for EMI in their name so that you can get your favourite product on time, if they are eligible for the loan.

You can login to the Kissht app Download Here and check your existing loan details under "My Loans" section in the Main menu. It will enable you to check all loan related details like EMI amount, EMI date, total outstanding amount, link for online payment and much more. You can also reach us at care@kissht.com or call us at (022-62820570)

For any changes in contact information or personal details, feel free to get in touch with our customer service desk at 022-62820570 or write to us at kissht-care. You can also use the Live chat option inside Kissht app & also on our Website (https://kissht.com) for the same.

You can apply for purchase loans for buying products on EMI through any of the local merchant outlets in your area that have tie-ups with Kissht. To know which outlets in your area offer Kissht EMI, simply call our offline helpdesk at 022-3051 5500 and provide your Pin code to our executive who can assist you with the details of the nearest store to your location.

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Pre-Paymement / Foreclosure

Yes, we do provide you the facility to foreclose your loan and it can be done easily online. After successful foreclosure, a No-Objection Certificate (NOC) will also be sent to you on your registered email id.

For foreclosing your loan which is financed by our other financing partners, you can simply call the customer service desk of the respective financer and request for the same. They will provide you with a foreclosure payment link or NEFT details so that you can pay the foreclosure amount using the same

If you do not have the customer care details of your respective financer, we can provide you the same. Just get in touch with our customer service desk at 022-62820570 or write to us at care@kissht.com. You can also use the Livechat option in the Kissht app or on our Website for the same.

You can mail us at care@kissht.com or call our customer service desk at 022 62820570 / 022 48914921. You can also use WhatsApp chat to reach us at 022 48913631.

You can also use the Live chat option in the Kissht app Download Here or on our Website- https://kissht.com for same.

 

Good news! As an initiative towards providing better customer service, we have waived off the foreclosure charges on all loans/credit facility financed by us (i.e. Si Creva Capital Services Pvt. Ltd.). Now, you can foreclose your loan/credit facility without any penalties or charges.

Note: If you loan is financed by any of the financing partners of Kissht, then the foreclosure charges, applicable if any, will be as per the terms & conditions of the respective financing company.

Part payments are not allowed. If necessary, you may foreclose the loan completely.

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Cancellation & Refund Policy

While we are always eager to serve our customers, if at all should you ever feel the need to cancel your loan application which is in process with us, you can reach us at care@kissht.com or call us at (022-62820570) and our team will take care of the same. You can also use our Live Chat feature in the Kissht app Download Here or on our website https://kissht.com.

In case of cancellation of the loan application from your end or rejection of the same from our end, we offer 2 modes of refund as below. You can select the refund mode of your choice by clicking on the "Check your refund status" option available in the Kissht App Download Here or on the Website (https://kissht.com) post login. If no refund mode is selected by you within 24 hours of cancelling the transaction, our system will automatically process the refund by the "Original mode of Payment"

  • Original Mode of Payment: In this mode, your refund request is initiated through the same payment mode from which you had made the earlier payment.
    Eg: If you have paid using your credit card, the refund will be sent to the same credit card account itself. You can expect to receive the same within 3-7 working days.
  • NEFT transfer: In this mode, your refund request is initiated by NEFT. Here you need to enter your bank details on which you prefer to receive the refund and based on those details only we will refund the amount. You can expect to receive the same in your account within 2-3 working days.

To initiate NACH cancellation, please click here.

Please ensure to enter your Kissht registered mobile number. Once you submit the cancellation request, our team will connect with you within 48 working hours to complete the process.

"Cooling off period" means a period of time from the date of disbursement of loan/credit facility, within which the borrower can change her/ his mind with return or cancellation of the loan/credit facility without any prepayment charges. The cooling-off window is determined to be 3 days.

 

The process remains the same for Processing Fee refund as well. However, the loan application needs to be cancelled before our executive visits your provided address for signature needed on the ECS form. In case the application is cancelled post that, then we can refund only the down payment and not the processing fee.

Although rare, there might sometimes be a delay due to reasons like wrong bank details given for NEFT refund OR refund amount held in suspense account by your bank. Kindly get in touch with our customer service desk at 022-62820570 or write to us at care@kissht.com. You can also use the Live chat option in the Kissht app or on our Website https://kissht.com for the same.

If your refund is processed by ‘NEFT Mode', we will give you the UTR no. for the same so that you can check with your bank regarding reason for non-clearance of same.

If your refund is processed by ‘Original Mode', we generate an ARN number (Acquirer Reference Number) as soon as we make the transfer. The ARN number can be used by you to track the payment details and usually the transfer is complete within 2-3 working days. In case, the time exceeds the same, then our team shall share a readymade chargeback email format with you, that will have all the details of you refund. You simply need to forward this email to your bank's customer care e-mail id so that they release the refund to you at the earliest. Kindly ensure that you send email to you bank using your registered email id as in bank's records

You can mail us at care@kissht.com or call our customer service desk at 022 62820570 / 022 48914921. You can also use WhatsApp chat to reach us at 022 48913631.

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Generic Queries

NACH appointment is a simple 2 min appointment were our executive will take your signatures on the NACH form (auto debit form) and will take 1 post-dated cheque from you. So we would recommend for you to be available on the date of NACH appointment. Being said that, if you still wish to re-schedule your appointment due to some emergency, you can call our customer care desk at 022-62820570 OR use Live chat option on Kissht app or on our website https://kissht.com.

No worries! Simply select ‘Use OTP instead' option available on the login page and get an OTP on your registered mobile number for instant login.

Don't worry, we have got you covered. Simply click on ‘Forgot Password' option available on the login page and enter our registered email id so that we can send a link on our email id for changing your password. Just click on the link that you receive on your email id and enter a new password of your choice. Now login to the Kissht app or website using this newly created password and you are good to go.

EMI Bounce Charges - Cheque/Auto-Debit Return Charges: Rs.350
(Applicable in cases were EMI payment by Cheque/ECS has bounced due to negligence of borrower for ex: insufficient balance in bank account / sign mismatch on cheque / Bank Account closed by customer, etc.)

EMI Late Payment Charge - 3.50% per month on total outstanding EMI amount (Applicable in cases were the borrower has failed to pay the EMI on or before the scheduled EMI date).

Swapping Charges Changing the registered bank account details for ECS/Auto Debit of EMI - Rs.500 Changing the Post-dated cheque given for 1st EMI debit - Rs.500
(Applicable in cases where you have placed special request for change in registered bank account details).

Other Charges - For physical pickup of Cash/Cheque for outstanding EMI payment – Rs.200 For re-pickup of fresh ECS/Auto-Debit mandate from your address - Rs.200 (Applicable in cases where you have placed special request for physical pick-up of Cheque / Cash / ECS mandate for recurring EMI payments. ECS Mandate re-pick happens in cases where your bank has rejected the ECS mandate due to sign mismatch or similar other issue which is dependent on your instruction given to bank).

Note: GST will be applicable on the above charges. The rates shown above are exclusive of GST.

Credit bureaus take a while to update your credit scores. Please download your updated report from the official website 30-45 days after your payment or loan closure.

Yes. To obtain Fair Practice Code and other loan-related documents in their vernacular language, customers can reach out through the following options:

Kissht Helpline: 022 62820570 / 022 48914921

Email: info@sicrevacapital.com

 

For any changes in ECS Mandate, feel free to get in touch with our customer service desk at 022-62820570 or write to us at care@kissht.com. You can also use the Live chat option in the Kissht app or on our Website https://kissht.com for the same.

The Reserve Bank of India (RBI) has made it mandatory from the year 2013, for all the cheques to be CTS (Cheque Truncation System) compliant. In order to identify if your cheque is CTS compliant or not, you need to see if the word "CTS-2010" is printed on the left hand side of the cheque near perforation. If yes, then it is a CTS Cheque and will be accepted by us for loan approval.

You can mail us at care@kissht.com or call our customer service desk at (022-62820570). You can also use our Live chat option available on the Kissht App Download Here or on our website at https://kissht.com

Though we doubt that your queries wouldn't be resolved by our dedicated customer service desk, you could always ask for a call back from the Customer Service Manager and within 1 hour to a maximum of 48 hours, our Customer Service Manager shall personally call you back with a final resolution on your query/problem. Kindly refer to our ‘Customer Grievance Redressal Mechanism’ to know more. Click here

Kissht has partnered with RBI regulated entities to provide lending services to its customers. These include Si Creva Capital Services Private Limited, Poonawalla Fincorp Limited, Fedbank Financial Services Limited (Fedfina), MAS Financial Services Limited & Northern Arc Capital Limited

Credit bureaus take a while to update your credit scores. Please download your updated report from the official website 30-45 days after your payment or loan closure.

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Privacy & Security

We value the privacy and security of your financial transactions. As a result, account related information is only provided to the customer and not to any family member, friends or 3rd party.

The payment made by you online on our website or on our mobile app is fully secured by our trusted payment gateway partner – PayUBiz & RazorPay

For any payment related issues and queries, feel free to get in touch with our customer service desk at 022-62820570 or write to us at care@kissht.com. You can also use the Live chat option in the Kissht app & Website for the same.

 

As part of basic documentation for loan approval, some customers are required to provide bank statement as income proof. For the convenience of our beloved customers, we provide the facility to instantly link your Net Banking account to your loan application so that you need not upload any bank statements separately. Just by linking your net banking, we will be able to fetch your bank statement for last 6 months instantly. Kindly note that we only get one-time access to your latest bank statement and no other banking data is revealed to us. Your net banking session is logged out immediately after the linking of statement is completed. This service is completely secured by Perfios, which is recognized & authorized by many banks in India to provide this service.

If your Bank name is not available in the list of banks available with Perfios, then this facility will not be available to you.

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Referrals & Tie-Ups

Yes, you very much can. On the home page, there is an option called ‘Earn Discounts'. Please click on that option to get your unique referral code and share it with your friends & contacts.

Ask them to use this code while applying for any loan through the Kissht App. For every loan that is taken and fully repaid by your friend, you become eligible for a discount of Rs.300 on the processing fees of your next purchase on Kissht App. The more friends you refer, the more discounts you get.

 

Products

Digital EMI card

Kissht's Digital EMI Card has been introduced to give the customer a hassle free experience and a smarter way to shop or get a quick emergency loan with the provision of EMI without the hassle of a credit card.

The Digital EMI Card gives you a preapproved credit limit which can be used to shop at over 3000+ offline stores,50k+ online affiliated store partners and also to avail instant cash loans. Some major benefits would include:

  • Instant Process
  • No physical documentation
  • 100% online process
  • 0 %* interest available
  • Login to the Kissht app Download Here OR login to our Website https://kissht.com
  • Select "Activate Digital EMI Card"
  • Fill basic information
  • Pay Processing fee (100% refundable if card is not approved by us or if cancelled by the user before approval)
  • Upload soft copy of minimum required documents
  • Our credit team will verify your documents and approve your card accordingly
  • A Wallet amount is assigned to your card and your card is ready for use

In case of any query, you can reach us at care@kissht.com or call our customer service desk at (022-62820570). You can also use our Live chat option available on the Kissht App or on our website at https://kissht.com

  • The customer needs to be an Indian Citizen with a minimum monthly income of Rs.12, 000/- (salaried or self- employed).
  • Creditworthiness is measured not only by your CIBIL Score but also by studying your digital footprint in addition to the information in the public domain such as your Aadhaar number and PAN card to assess how likely you are to repay your loan successfully.
  • Positive spending habits such as paying bills on time, accurate personal information in public domain such as Aadhaar Card and a good plan for repayment would increase the eligibility

As the name suggests, the Digital EMI card is simple a virtual card that shows you the wallet amount which is available for you to take as loan. You cannot use the card details on any online website for making payments.

  • Once you select a product or cash loan amount online, our customer service team will get in touch with you to get your loan approved and will also call you to fix a quick appointment with you wherein an executive visits your home address or office address to collect your signatures on ECS form and 1 post-paid cheque for the first EMI amount.
  • After our appointment is completed, our credit team gives final approval for your loan at the earliest and the disbursal of loan is initiated.

Kindly note that you may be required to upload 1 or more documents once again if you apply for a loan after more than 30 days of Digital EMI card being approved. The reason being that some of your documents can get outdated in 30 days like Rent Agreement, Utility Bill, Bank Statement, etc.

You can use your card in any of the below mentioned platforms. Just ensure that the product/loan amount that you are applying for is within the wallet limit assigned to your card. Also, the card is usable only at Kissht merchant network in online as well as offline space.

Online Product Loan
Once you get an assigned limit on your card, you can go ahead & use the "Start Shopping" option in Kissht app to select from a wide range of products available from the various online merchants.

Online Cash Loan
You can also use the card limit to avail cash loan by clicking on "Get Instant cash" option after logging on to Kissht App or on our Website at https://kissht.com

Offline Product Loan
You can walk-in to any Kissht enabled offline store and buy the product of your choice using the limit available on your Digital EMI card. You just need to inform the store merchant that you have a pre-approved Digital EMI Card so that he can do the needful accordingly.

If you cancel the card after final approval, then you will not be eligible for refund of the Processing fee of Rs.235. We suggest you keep the card active instead of cancelling because the card is active for lifetime and does have any expiry or annual charges. So whenever you feel like using the card it will be available for you.

While we offer you the flexibility to use your Digital EMI card at various online as well as physical stores associated with Kissht, we have also taken due care to ensure that nobody misuses this card by applying for loan on your behalf. In order to ensure safety and security of your card transactions, we call on your registered mobile number to confirm your loan application before processing the same and once your confirm to have applied for a loan only then do we process your application. We also send informational alerts on your registered email id for every loan application made using your Digital EMI card.

In addition to this, for every loan application, we send an executive to collect your signatures on the auto-debit form and 1 post-paid cheque for the 1st EMI. This physical verification process also helps us confirm the identity of the applicant. Thus, our process ensures that nobody else applies for loan in your name without your consent.

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Instant Cash

Instant cash is a form of personal loan that can be applied for & approved online. We directly credit cash to your bank account once the loan is approved.

Yes we do agree that Instant Cash is a subset of Personal Loan but we have specifically designed it keeping in mind that our customers might need petty cash to tide over some personal emergencies.

We always go by the belief that "When you don't have cash, even a small emergency can destroy your momentum". To help out our customers in such situations, we provide instant cash loans that are directly credited into your bank account post approval.

Instant cash loan is available for –

  • 10,000/-
  • 25,000/-
  • 35,000/-
  • 50,000/-
  • You need to be an Indian Citizen with a minimum monthly income of Rs.15, 000/- (salaried or self- employed) and provide 3 months' worth bank statement as Income Proof
  • Creditworthiness is measured not only by your CIBIL Score but also by studying your digital footprint in addition to the information in the public domain such as your Aadhaar number and PAN card to assess how likely you are to repay your loan successfully.

Positive spending habits such as paying bills on time, accurate personal information in public domain such as Aadhaar Card and a good plan for repayment would increase the eligibility

  • Login to the Kissht app Download Here OR you can login to our website at https://kissht.com
  • Click on "Get Instant Cash" and select the cash loan amount of your choice
  • Fill basic information
  • Pay Processing fee (100% refundable if loan not approved by us or if cancelled by user before approval)
  • Upload soft copy of minimum required documents
  • Our credit team will verify your documents and approve your loan accordingly
  • Cash is disbursed to your bank account by NEFT post loan approval

In case of any query, you can reach us at care@kissht.com or call our customer service desk at (022-62820570). You can also use our Live chat option available on the Kissht App or on our website at https://kissht.com

You can only apply for one Instant Cash Loan at a time. You can reapply only after the 1st Instant Cash loan has been fully repaid by you.

Once approved, your loan amount will be credited directly into your bank account within 2-3 working days.

Depending on the amount of personal loan that you choose, your repayment schedule can range from a minimum of 3 months up to a maximum of 9 months.

If you upload the correct documents at the time of loan application itself, the loan approval can happen in approx. 3 working days.

  • Once you apply for a loan, our credit team verifies your documents within a minimum of 4 hrs to a maximum of 24 hrs.
  • After docs are verified & approved, our team fixes a quick appointment with you and an executive visits your home address or office address to collect your signatures on ECS form and 1 post-paid cheque for the first EMI amount.
  • After our appointment is completed, our credit team gives final approval for your loan at the earliest and the disbursal of loan is initiated.

No, we do not require any security or guarantor for approving your loan. Once we verify your basic information & documents, your loan will be approved by our credit team.

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