SMFG Partner Charges
This page outlines the complete fee structure and charges applicable to loans provided through SMFG partners via Kissht.
Fee Structure and Charges
| Charge Type |
Amount/Rate |
Details |
| Bounce Charges |
INR 500 per instance per EMI |
Applied when EMI payment fails or bounces |
| Penal Charges |
3% per month on overdue principal plus applicable taxes |
Applied on overdue amounts |
| Foreclosure Charges |
3.39% of the principal outstanding plus applicable taxes |
Applied when loan is closed before tenure completion |
| Other Charges |
NA |
No other charges applicable |
Late Payment Charges
Bounce charges and daily penal charges will be applied if the EMI repayment is done after the scheduled due date or if otherwise applicable as per the terms of the financing document (collectively referred to as "Late Payment Charges").
Important Notes on Fees and Charges Updates
As and when any updates to the fees and charges are introduced by the Lenders, the borrower shall be intimated about such changes by email or otherwise in the manner prescribed for the same from time to time by Lenders.
Borrower Responsibilities
- The borrower shall at all times ensure that his/her lawful mobile number and email ID is updated with the Lenders
- The Lenders shall rely upon the mobile number and email ID provided by the borrower
- The Lenders shall not be obliged to verify or make further inquiry into the validity of the mobile number and email ID provided by the borrower
- The borrower shall in no circumstance dispute such reliance by the Lenders
Contact Information
Email: [email protected]
Phone Numbers:
- 080 44745884
- 080 62816309
Location: Mumbai, Maharashtra
Products and Services
Loan Products
- Personal Loan - General purpose personal financing
- Business Loan - Financing for business needs
- Loan Against Property - Secured loans against property
- Digital Gold - Investment in digital gold
Personal Loan Categories
- Personal Loan for Travel
- Personal Loan for Medical Emergency
- Personal Loan for Wedding
- Personal Loan for Education
- Personal Loan for Emergency
- Personal Loan for Salaried Employees
- Personal Loan for Self Employed
- Instant Personal Loan App
Amount-Based Personal Loans
- 15,000 Instant Personal Loan
- 20,000 Instant Personal Loan
- 25,000 Instant Personal Loan
- 30,000 Instant Personal Loan
- 50,000 Instant Personal Loan
- 1 Lakh Instant Personal Loan
- 2 Lakh Instant Personal Loan
- 3 Lakh Instant Personal Loan
- 4 Lakh Instant Personal Loan
- 5 Lakh Instant Personal Loan
Location-Based Services
Personal loans available in:
- Ahmedabad
- Delhi
- Pune
- Jaipur
- Coimbatore
- Bangalore
- Mumbai
- Chennai
Financial Tools
- Credit Score - Check your credit score
- Credit Pulse - Monitor credit health
EMI Calculators
- Personal Loan EMI Calculator
- Home Loan EMI Calculator
- Bike Loan EMI Calculator
- Business Loan EMI Calculator
- Car Loan EMI Calculator
- Education Loan EMI Calculator
Interest Rate Information
- Personal Loan Interest Rates
- Business Loan Interest Rates
Company Information
About Kissht
- About Us
- Contact Us
- Careers (We're hiring)
- Media
- Branch Locator
- FAQs
- Blogs
Policies
- Terms and Conditions
- Privacy Policy
- RPT Policy
Regulatory Information
- Customer Grievance Redressal Mechanism
- Capital FACE
- Raise a Request/Complaint/Query
- Policy on Refund for Insurance Business
- Customer Grievance Redressal Mechanism for Insurance Business
Other Disclosures
- Fraud Alert
- CSR Projects
- DLG Disclosure
- Lending Service Providers
- Disclaimer
- Financing Partners
- Digital Sourcing Partners
© 2026 Kissht All rights reserved.