Kissht offers instant personal loans of ₹95,000 with quick approval and minimal documentation. Get funds transferred directly to your bank account within minutes through a fully digital application process.
| Feature | Description |
|---|---|
| Calculate EMIs | Calculate your loan repayment plan instantly |
| Simple Application | Digital lending made simple and easy |
| Trusted Loan Provider | Quick loans you can trust, every single time |
| Instant Disbursal | Instant personal loan approval and payout |
| Flexible Repayment | Choose EMI options that suit your income needs |
| Quick Approval | Instant loan approval in just minutes with Kissht |
| Dedicated Support | Quick answers to all your loan questions |
| Minimal Docs | Get a loan with just PAN, Aadhaar and a selfie |
| Parameter | Range |
|---|---|
| Loan Amount | ₹5,000 (Min) to ₹60,00,000 (Max) |
| Rate of Interest | 6% (Min) to 36% (Max) per annum |
| Loan Tenure | 3 months to 72 months |
For a loan amount of ₹10,00,000 at 16% per annum:
| Component | Amount |
|---|---|
| Principal Amount | ₹10,00,000 |
| Total Interest Charged | ₹47,182 |
| Total Repayment Amount | ₹10,47,182 |
| Monthly EMI | ₹1,74,530 |
| Interest Rate | 16% per year |
| Principal Percentage | 95.5% |
| Interest Percentage | 4.5% |
| Criteria | Requirement |
|---|---|
| Nationality | Indian residents only |
| Age Requirement | 21 to 60 years |
| Basic Documentation | PAN Card and Aadhaar Card |
| Income Proof | May be requested for higher loan amounts, depending on credit profile |
| Applicant Profile | Salaried employees, self-employed individuals, small business owners, and MSME professionals |
Note: The exact documentation requirements are at the sole discretion of Kissht and may vary depending on your profile and loan type.
| Metric | Value |
|---|---|
| App Rating | 4.6 |
| Downloads | 63M+ |
| Assets Under Management | ₹5900 Cr+ |
| Customer Base | 11M+ |
| Location | Mumbai, Maharashtra |
For immediate access to ₹95,000, consider applying through Kissht, a reliable instant loan platform. Download the Kissht app and complete your KYC verification with basic personal details. The application process is entirely online with no branch visits required. Once approved, funds transfer directly to your account within a short timeframe. Before applying, use Kissht's loan EMI calculator to understand your monthly repayment obligations.
Yes, you can avail a ₹95,000 personal loan without collateral through Kissht. These unsecured loans require no asset backing. After completing your KYC and eligibility process, you can apply online and receive the funds in your bank account.
The EMI for a ₹95,000 personal loan depends on the interest rate and repayment period. For example, let's consider an interest rate of 10% p.a. for a 12-month tenure.
Here is the formula for calculating EMI:
EMI = [P × R × (1+R)ⁿ] / [(1+R)ⁿ − 1]
Where:
Using this formula, the EMI comes to around ₹8,352. You can also use a personal loan EMI calculator to get an exact figure.
To apply for a ₹95,000 loan, you typically need to provide:
These documents help lenders assess eligibility and speed up approval for a ₹95,000 instant loan.
Note: The exact documentation requirements are at the sole discretion of Kissht and may vary depending on your profile and loan type.
It is possible to get a ₹95,000 personal loan without a salary slip by providing alternative income proof. Documents such as bank statements, ITR filings, or business income records may be considered. Approval depends on your repayment capacity and credit profile.
Kissht provides personal loan services across multiple states and cities in India, including:
Delhi, Haryana, West Bengal, Rajasthan, Telangana, Tamil Nadu, Karnataka, Gujarat, Uttar Pradesh, Maharashtra, Himachal Pradesh, Uttarakhand, Jharkhand, Goa, Punjab, Bihar, Andhra Pradesh, Madhya Pradesh, Kerala
Ahmedabad, Pune, Jaipur, Coimbatore, Bangalore, Mumbai, Chennai, Hyderabad, Madurai, Aurangabad, Bareilly, Bhopal, Surat, Agra, Lucknow, Gwalior, Jabalpur, Aligarh, Allahabad, Varanasi, Meerut, Guwahati, Ranchi, Patna, Belagavi, Mysuru, Vijayawada, Visakhapatnam, Thiruvananthapuram, Kochi, Rajkot, Nashik, Kanpur, Ludhiana, Amritsar, Dehradun, Chandigarh, Kolkata, Nagpur, Jamshedpur, Rohtak, Gurgaon, Rander, Faridabad, Raipur, West Godavari, Bhavnagar, Ujjain, Solapur, Kolhapur, Jamnagar, Salem, Hubli-Dharwad, Mangalore, Tiruchirappalli, Raigad, Kadapa, Chittoor, Prakasam, Nellore, Ghaziabad, Guntur, Anantapur, Gandhinagar, Kurnool, Shahdara