Frequently Asked Questions - Kissht

About Kissht

Kissht is a financial services company operated by SiCreva Capital Services Pvt. Ltd., offering various loan products and financial tools. The company is based in Mumbai, Maharashtra.

Contact Information

Products and Services

Loan Products

Financial Tools

EMI Calculators Available

Frequently Asked Questions

Loan Application Documentation

Questions related to documentation requirements for loan applications.

Processing Fee & Interest

What does processing fee mean?

Information about processing fees for loan applications.

Is the processing fee same for all types of products?

Details about processing fee variations across different loan products.

There are many loan companies and everyone has a different processing fee. What is the reason for this difference?

Explanation of processing fee variations across lending institutions.

What is the rate of interest charged?

Information about interest rates charged on loans. Specific rates available at:

Monthly Instalments/EMI's

What is an EMI/EPI?

Definition and explanation of EMI (Equated Monthly Instalment) and EPI.

How can I make my EMI payments?

Information about EMI payment methods available to customers.

Can Partial Payments be made?

Details about partial payment options for loans.

What will be my EMI amount?

Information about EMI calculation and determination.

How will I be intimated about upcoming EMI payments?

Details about EMI payment reminders and notifications.

Will late payment of my monthly instalments/EMI invite any penalty or charges?

Information about penalties for late EMI payments.

What happens if I don't pay my monthly instalment/EMI?

Consequences of missing EMI payments.

What happens if I am registered for auto-debit and my savings account doesn't have the minimum balance at the time of due date?

Information about insufficient balance scenarios for auto-debit.

Can I extend the tenure of my loan after the loan is approved?

Details about loan tenure extension options.

What happens if I skip one monthly instalment/EMI? Can I pay it all at once in the next month?

Information about skipped EMI payments and catch-up options.

Once I pay all my monthly instalments/EMI, how do I get a confirmation on loan closure?

Process for obtaining loan closure confirmation.

My EMI payment failed but it got debited from my account. What shall I do now?

Steps to resolve failed EMI payment issues with account debit.

Loan Application Status

How do I check the status of my loan application?

Methods to track loan application status.

What is the process for loan approval?

Information about the loan approval process.

Are there any hidden charges that I should be aware of?

Disclosure about charges associated with loans.

What are the various reasons by which a loan application can get rejected?

Common reasons for loan application rejection.

What can I do if my loan application is cancelled/rejected due to non-eligibility?

Options available after loan application rejection.

How do I check the details of my existing loan?

Methods to view existing loan details.

How do I change my personal details such as my mobile number/ bank account number? Do I need to send any proof?

Process for updating personal information and documentation requirements.

Loan Pre-Payment / Foreclosure

Can I pre-pay all my monthly instalments/EMI?

Information about loan prepayment options.

Can I foreclose my loan?

Details about loan foreclosure availability.

Are there any charges for foreclosing my loan?

Information about foreclosure charges.

What are the steps to foreclose my loan?

Process for loan foreclosure.

How to foreclose my loan if it is financed by other lending partners of Si Creva Capital Services Pvt. Ltd.?

Special foreclosure process for loans through lending partners.

Loan Cancellation

Can I cancel my loan transaction when it is yet to get approved? If yes, how?

Process for cancelling unapproved loan applications.

Can I cancel my loan transaction after it is approved and disbursed? If yes, how?

Process for cancelling approved and disbursed loans.

What is Cooling off period?

Explanation of the cooling-off period for loan cancellations.

Penal Charges

What are the charges for EMI Auto-Debit/ NACH Bounce?

Information about charges for bounced auto-debit/NACH transactions.

What are the charges for late payment of EMI?

Details about late payment penalties.

Collection Reminders

What if I fail to make payment of my outstanding loan amount? How will you contact me for payment reminders?

Information about collection reminder procedures.

Are my family members responsible to make payment on my behalf if I fail to make payment?

Clarification about family member liability for loan payments.

Do your collections agents communicate over Personal WhatsApp or Personal Mobile Numbers calls with customers?

Information about official communication channels for collections.

Other General Queries

Can customers obtain Fair Practices Code, Loan Agreement, Sanction Letter and other loan-related documents in vernacular language?

Availability of loan documents in regional languages.

How to change the bank details on my ECS/ NACH mandate?

Process for updating bank details for auto-debit.

How do I file a complaint with SiCreva Capital Services Pvt. Ltd.?

Complaint filing process. Customers can raise requests/complaints/queries at: Kissht Care Support Portal

What if I am not satisfied with the response provided by the Customer Service Desk?

Escalation process for unresolved complaints.

Who are the lending partners of SiCreva Capital Services Pvt. Ltd.?

Information about lending partners available in the Financing Partners section.

Credit Score

Do you access my Credit Score?

Information about credit score access during loan application.

What are the different Credit Bureaus that you report my loan data to?

Details about credit bureau reporting.

By what name will my loan appear in my Credit Report?

Information about loan identification in credit reports.

How can I possibly enhance my Loan/Credit Limit?

Guidance on improving loan and credit limits.

How is my Credit Score connected to the loan that I avail?

Explanation of credit score impact on loan approval and terms.

What is the typical processing time for updating a customer's loan payment/closure status with the credit bureau?

Timeline for credit bureau updates.

What do I do to correct this?

Steps to correct credit report issues.

Privacy & Security

Can members of my family or my friends call Kissht App / Ring App and get information on my existing loans?

Information privacy policies regarding loan details disclosure.

Is it Safe to link my bank account for Income Verification on the Kissht App / Ring App?

Security information about bank account linking.

Where can I read the Privacy Policy or Report concerns related to Privacy?

Privacy policy available at the Privacy Policy page.

How can I delete my data from Kissht App / Ring App?

Data deletion process for app users.

Fraud Safeguard

How to report Fraud cases?

Process for reporting fraud incidents.

How to identify & avoid potential Loan Frauds?

Guidance on identifying and avoiding loan fraud.

We necessary measures do we take to keep you and your information protected?

Security measures implemented by Kissht.

How can Fraud take place?

Information about common fraud scenarios.

How to Protect yourself?

Customer protection guidelines.

Best Practices for Mobile Security

Mobile security recommendations for app users.

E-Mandate

What is an e-mandate registration?

Explanation of e-mandate registration process.

How does an e-Mandate work?

Functioning of e-mandate for automatic payments.

What is the limit of E-Mandate?

Information about e-mandate transaction limits.

How long does the e-mandate process take?

Timeline for e-mandate setup.

Does e mandate cost money?

Information about e-mandate charges.

How does UPI autopay (UPI Automatic Payment feature) work?

Explanation of UPI autopay functionality.

What is the maximum limit for UPI AutoPay?

UPI AutoPay transaction limits.

Is the e-mandate safe and secure?

Security information about e-mandate.

Can I cancel an e-Mandate?

Process for cancelling e-mandate.

Can I modify an existing e-Mandate?

Options for modifying e-mandate details.

How can I track payments made through an e-Mandate?

Payment tracking methods for e-mandate transactions.

What happens if I don't have sufficient balance for the payment?

Consequences of insufficient balance for e-mandate payments.

Are there any charges associated with NACH registration?

Information about NACH registration charges.

IOS Old Loan Accounts

Why am I unable to view my previous loan details in the Kissht iOS app?

Information about viewing limitations for previous loan details in the iOS app.

I was able to view my loan earlier. Why is it not showing now?

Explanation of changes in loan visibility in the iOS app.

How can I make a repayment for my previous loan?

Repayment methods for previous loans.

Can I still repay my older loan even if it is not visible in the app?

Confirmation that older loans can be repaid even without app visibility.

Will this affect my repayment schedule or loan obligations?

Information about impact on repayment obligations.

I am an iPhone user. How can I get help with repayment?

Support options for iPhone users regarding loan repayment.

Can I still use the Kissht iOS app for new loans?

Confirmation about using the iOS app for new loan applications.

Personal Loan Options by Purpose

Kissht offers specialized personal loans for various needs:

Personal Loan by Amount

Instant personal loans available in various amounts:

Locations Served

Kissht provides personal loan services in the following cities:

Company Information

About the Company

Regulatory Compliance

Policies

Other Disclosures

Support and Assistance

For customer support, complaints, or queries:

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