This comprehensive FAQ page provides answers to common questions about Kissht loan services, including loan applications, EMI payments, foreclosure, credit scores, privacy, security, and e-mandate processes.
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Information about loan application documentation requirements and processes.
Information about the meaning and purpose of processing fees.
Information about processing fee variations across different product types.
Information explaining why processing fees differ between various loan companies.
Information about the interest rates charged on loans.
Information defining EMI (Equated Monthly Instalment) and EPI (Equated Periodic Instalment).
Information about the various methods available for making EMI payments.
Information about whether partial payments are accepted for loan repayment.
Information about how EMI amounts are determined and calculated.
Information about the notification methods used to inform customers about upcoming EMI payments.
Information about penalties and charges that may apply for late EMI payments.
Information about the consequences of missing or not paying monthly instalments.
Information about what occurs when auto-debit fails due to insufficient account balance.
Information about the possibility of extending loan tenure after approval.
Information about skipping EMI payments and making up for missed payments in subsequent months.
Information about the process for receiving loan closure confirmation after completing all payments.
Information about steps to take when an EMI payment fails but the amount is debited from the account.
Information about methods for checking the current status of a loan application.
Information about the steps and procedures involved in the loan approval process.
Information about transparency regarding charges and whether there are any hidden fees.
Information about common reasons for loan application rejection.
Information about options available when a loan application is rejected due to eligibility issues.
Information about accessing and reviewing existing loan details.
Information about the process for updating personal details and documentation requirements.
Information about the option to pre-pay all remaining EMIs.
Information about loan foreclosure options and availability.
Information about fees and charges associated with loan foreclosure.
Information about the process and steps required to foreclose a loan.
Information about foreclosure procedures for loans financed through lending partners of Si Creva Capital Services Pvt. Ltd.
Information about canceling loan transactions before approval and the cancellation process.
Information about canceling loans after approval and disbursement, including the process.
Information about the cooling off period and its implications for loan transactions.
Information about charges applied when EMI auto-debit or NACH payments bounce.
Information about penalties and charges for late EMI payments.
Information about the communication methods used for payment reminders when payments are missed.
Information about whether family members have payment responsibilities for the borrower's loan.
Information about the communication channels used by collection agents.
Information about the availability of loan documents in vernacular languages.
Information about the process for updating bank details on ECS/NACH mandates.
Information about the complaint filing process with SiCreva Capital Services Pvt. Ltd.
Information about escalation procedures when customer service responses are unsatisfactory.
Information about the lending partners associated with SiCreva Capital Services Pvt. Ltd.
Information about whether and how credit scores are accessed during the loan process.
Information about the credit bureaus to which loan data is reported.
Information about how loans are identified and listed in credit reports.
Information about methods and strategies for increasing loan or credit limits.
Information about the relationship between credit scores and loan availability or terms.
Information about the timeframe for credit bureau updates regarding loan payments and closures.
Information about correcting credit-related issues or discrepancies.
Information about privacy policies regarding third-party access to loan information.
Information about the safety and security of linking bank accounts for income verification purposes.
Information about accessing the privacy policy and reporting privacy-related concerns.
Information about the process for requesting data deletion from Kissht App and Ring App.
Information about the process for reporting suspected fraud cases.
Information about recognizing warning signs of loan fraud and prevention strategies.
Information about security measures implemented to protect customers and their information.
Information about common fraud scenarios and methods used by fraudsters.
Information about best practices and steps customers can take to protect themselves from fraud.
Information about recommended mobile security practices for protecting loan and personal information.
Information about e-mandate registration and its purpose in loan repayment.
Information about the functioning and operation of e-mandate systems.
Information about transaction limits applicable to e-mandate payments.
Information about the timeframe required for e-mandate registration and activation.
Information about whether there are charges associated with e-mandate registration or usage.
Information about the UPI autopay feature and its functionality for automatic payments.
Information about the maximum transaction limits for UPI AutoPay.
Information about the security features and safety of e-mandate systems.
Information about the process and possibility of canceling an e-mandate.
Information about modifying or updating existing e-mandate details.
Information about tracking and monitoring payments processed through e-mandate.
Information about consequences and procedures when insufficient balance prevents e-mandate payment.
Information about fees or charges related to NACH (National Automated Clearing House) registration.
Information about issues with viewing previous loan details in the Kissht iOS application.
Information about changes in loan visibility within the iOS app.
Information about methods for making repayments on previous loans.
Information about the ability to repay loans that are not currently visible in the application.
Information about whether visibility issues impact repayment schedules or loan obligations.
Information about support options available for iPhone users regarding loan repayments.
Information about the ability to apply for and manage new loans through the Kissht iOS app.