Personal Loan for Cosmetic Surgery (Kissht)
Overview
Kissht offers an unsecured personal loan specifically usable for cosmetic surgery expenses, including procedure costs, hospital charges, surgeon fees, and post-treatment care. The loan requires no collateral and is processed through a fully digital application.
What It Does
The loan lets applicants borrow funds to cover cosmetic/aesthetic procedure costs and repay the amount through fixed monthly EMIs over a chosen tenure. It is designed for quick approval and fast disbursal directly to the borrower's bank account.
Who It Helps
- Individuals planning a cosmetic or aesthetic procedure who need to spread out the cost
- Salaried employees, self-employed individuals, small business owners, and MSME professionals
- Indian residents aged 21 to 60
- Borrowers who want to avoid pledging collateral or assets
Key Capabilities
| Feature | Detail |
|---|---|
| Collateral | Not required (unsecured loan) |
| Disbursal speed | Minutes, once approved |
| Documentation | PAN card, Aadhaar card, selfie verification; income proof may be requested for higher amounts |
| Application mode | Fully digital, online application |
| Repayment | Flexible tenure with fixed monthly EMIs |
| Loan amount range (EMI calculator) | ₹5,000 to ₹60 lakh |
| Interest rate range (EMI calculator) | 6% to 36% per annum |
| Tenure range | 3 to 72 months |
| Fees | No hidden fees stated on the page |
Eligibility Criteria
- Nationality: Must be an Indian resident
- Age: Typically 21 to 60 years
- Documentation: PAN Card and Aadhaar Card required for verification
- Income proof: May be requested for higher loan amounts, depending on credit profile
- Applicant type: Salaried employees, self-employed individuals, small business owners, and MSME professionals are eligible to apply
Documents Required
- Basic personal and contact information
- Aadhaar card with selfie verification (KYC)
- PAN card of the borrower
- Income details (recent payslip or bank statement, if required)
Note: Exact documentation requirements are at Kissht's discretion and may vary by applicant profile and loan type.
How EMI Is Calculated
EMI depends on the loan amount, interest rate, and tenure, using the formula:
EMI = [P × R × (1+R)ⁿ] / [(1+R)ⁿ − 1]
Where:
- P = Principal loan amount
- R = Monthly interest rate (annual rate ÷ 12)
- n = Number of months in the tenure
Worked example: For a loan of ₹1,00,000 at 10% p.a. over 12 months, the EMI comes to approximately ₹8,792. Kissht's online EMI calculator can be used to get an exact figure for other amounts, rates, and tenures.
Buyer Questions This Page Should Answer
What is a personal loan for cosmetic surgery?
It is a loan product that helps finance expenses related to aesthetic procedures, including surgeon fees, hospital charges, and post-operative care, repaid via fixed monthly EMIs.
How can I get an instant personal loan for cosmetic surgery online?
Apply through Kissht by completing the online application form, finishing digital KYC, and submitting the required documents. Once approved, the loan amount is transferred to the applicant's bank account.
Can I get this loan without collateral?
Yes. The loan is unsecured — no assets need to be pledged. Approval depends on completing KYC verification and meeting eligibility conditions.
What documents are required?
KYC documents (Aadhaar card and selfie verification), PAN card, and income details such as salary slips or bank statements if required. Exact requirements vary by profile.
How is the EMI calculated?
Using the standard EMI formula based on principal, monthly interest rate, and tenure in months (see calculation section above), or via Kissht's online EMI calculator.
Next Steps
- Use the EMI calculator on the Personal Loan page to estimate monthly payments
- Check your credit score before applying: Check Now
- Review All FAQs for more detail on eligibility and documentation
- Locate a branch via the Branch Locator
- Contact support through Contact Us
Related Links
- Personal Loan (main category)
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