Kissht has emerged as a prominent player in India’s fintech landscape, offering instant personal loans tailored to meet diverse financial needs. With a user-friendly digital platform, Kissht provides quick, collateral-free loans, making it a preferred choice for many.
Key Features of Kissht Personal Loan App
1. Loan Amount and Interest Rates
- Loan Amount: Kissht offers personal loans ranging from ₹5,000 to ₹5,00,000, catering to both small and large financial requirements.
- Interest Rates: Interest rates start at 6% per annum and can go up to 36% per annum, depending on factors like credit profile and loan amount. kissht.com
2. Repayment Tenure
- The platform provides flexible repayment options, with tenures ranging from 3 months to 72 months, allowing borrowers to choose a plan that best fits their financial situation. kissht.com
3. Quick Disbursal
- Once approved, funds are disbursed directly to the borrower’s bank account, often within 5 minutes, ensuring timely financial assistance.
4. 100% Digital Process
- Kissht offers a completely paperless process, eliminating the need for physical documentation and in-branch visits. Kissht
5. Loan Top-ups
- Existing borrowers can avail additional credit over their current loan, providing flexibility in managing financial needs. Kissht+1kissht.com+1
Eligibility Criteria
To apply for a personal loan through Kissht, applicants must meet the following criteria:
- Age: 21 to 60 years.Business Today+5kissht.com+5kissht.com+5
- Nationality: Indian citizen.kissht.com
- Documentation: Selfie, PAN Card, and Aadhaar Card.kissht.com
- Income Proof: Required only for select high-value loans based on credit profile. kissht.com
Application Process
Applying for a personal loan with Kissht is simple:
- Verify Mobile Number: Enter your number on the Kissht app, receive an OTP, and verify.kissht.com+1kissht.com+1
- Enter Basic Details: Provide your name, date of birth, address, and employment details.kissht.com+1kissht.com+1
- Complete Digital KYC: Upload your PAN and Aadhaar for quick verification.Kissht+2kissht.com+2kissht.com+2
- Get Your Loan: Upon approval, funds are instantly transferred to your account. kissht.com+2kissht.com+2kissht.com+2
Customer Feedback
While Kissht has garnered a significant user base, some customers have reported issues with loan disbursal delays. For instance, a user mentioned that after loan approval, the disbursal was put on hold, and customer care provided conflicting timelines for resolution. Consumer Complaints
Conclusion
Kissht stands out as a reliable platform for individuals seeking quick and hassle-free personal loans. With its competitive interest rates, flexible repayment options, and user-centric approach, it caters to the diverse financial needs of its customers. However, prospective borrowers should be aware of potential delays in loan disbursal and consider reading user reviews before applying.
For more information or to apply for a loan, visit Kissht’s official website.