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Kissht Loan App 2022 | How to get Instant Cash Loan? Download APK

Kissht is a financial technology company aimed at making life easier for people.

They do this by ensuring a hassle-free loan acquisition when they need it the most.

Kissht is a loan app owned by Onemi Technologies Solutions Private Limited and it came into existence in the year 2015.

Since then it has been operating the concept of “buy-now-pay-later”.

Kissht makes your online/offline experience of shopping in merchant stores easy and quick at Point of Sale.

If you have ever had an unexpected financial need that required urgent attention and is out of your budget, Kissht comes in to lend you a helping hand.

Just as initially mentioned, their procedures are simple and easy so also is the EMI.

It is a smart solution for credit financing for their customers.

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Kissht Loan Details

Kissht Loan App

Kissht provides small loans to low-income groups in India.

The amount ranges from Rs. 10000- Rs. 100000 which would last for at least twelve(12) months.

Once your loan application has been approved, the disbursal doesn’t take more than five(5) minutes.

Some of the products available at Kissht include;

  1. Kissht Instant Cash
  2. Kissht Product loan
  3. Digital EMI card

1. Kissht Instant Cash

Kissht instant cash is a form of Kissht personal loan. Here, the money is sent directly to your bank account.

You can apply for instant cash online or offline. Kissht’s goal is to save you in times of emergency.

You could get up to Rs10000, 25,000, 35,000, 50,000 via the Kissht Instant cash.

However, to qualify for the instant cash, you need to;

  • Firstly, be an Indian citizen
  • Be creditworthy. Your CIBIL score measures your creditworthiness.
  • Your monthly income should be up to Rs 15,000.
How To Apply For A Kissht Instant Cash Loan
  1. The first step is to log onto their website, then select ‘get instant cash‘.
  2. Also, select the cash loan amount that you need.
  3. Next is to fill in all the necessary information, and pay the refundable processing fee.
  4. This fee is refundable only if Kissht management does not approve the loan.
  5. Upload the required documents.
  6. Verification of documents and card approval.
  7. Once the credit team completes the above, they will disburse the loan amount directly to your bank account.

2. Kissht Product Loan

This is a loan offer that enables users to pay for products based on EMI. They can buy products such as refrigerators, laptops, etc.

For product loans, Kissht makes the payment to the seller directly once their credit team has approved it, while the merchant delivers the product directly to the address which you provided.

The loan repayment time could take either 6, 9, 12, 15, or 24 months and you could pick either of these.

How Long Can It Take You To Get A Product Loan?

Product loans are not like instant cash loans and need a little time to undergo the approval process especially if it is an online application.

This process can take three(3) working days.

If it is an offline application, at least thirty(30) minutes of verification and approval time is needed.

Sometimes, people tend to ask or wonder at the number of product loans that they can take.

The answer is that there is no limit as regards that.

It depends on the amount you are eligible for a product loan and you can see this on the Kissht website or mobile app.

3. Digital EMI Card

Kissht Digital EMI Card

Kissht’s digital EMI card is a virtual card which you use to get a fast emergency loan. It also gives you a preapproved credit limit.

How to Apply for a Digital EMI Card
  • Log into the Kissht website
  • Click on the option ‘activate EMI card’.
  • Fill in all the necessary details
  • Upload the relevant documents
  • Pay the refundable processing fee.

After this, the credit team will verify the information and approve your card.

At this point, the credit team assigns an amount to your card which you can now use for your other transactions.

Where To Use Your Digital EMI Card

1. Online Instant Cash

To get your cash loan, you can use the digital EMI card limit.

You do this by clicking on ‘get instant cash’ after logging into your Kissht app or the website.

2. Online/offline Product Loan

With the digital EMI card, you can buy from any store enabled by Kissht.

You just have to inform the seller that you have an EMI card.

If it’s online, then after logging into the website, click on the ‘start shopping’ option and select what you want to buy.

Also Read: How to get loan from Dhani App | Instant Approval

How it works?


Features Of The Kissht Loan App.

Kissht has a lot of amazing features you can’t possibly say no to. They include the following;

  • Multiple brand options
  • Instant Approval
  • Attractive Interest Rates
  • Flexible Tenure
  • Multiple Options
  • 100% digital Process
1. Multiple Brand Options

Kissht works with some major brands to make it easier for customers to get product loans.

You can now shop online, with your EMI card quickly and hassle-free.

Some of the brands include Samsung, Carat Lane, Kohinoor, etc.

Travel brands too are inclusive, you could pay for a trip using your EMI card.

2. Instant Approval

Loan approval and disbursal take less time than the perceived loan-taking process time.

Instant cash is highly possible once your documents are up to date.

3. Attractive Interest Rates

The interest rates in Kissht loans are reasonable so you don’t have to hesitate on joining Kissht.

When Kissht charges interest rates for its customers, it makes sure to include operating expenses, risk costs, and capital costs.

The interest rate ranges from 14%-28% annually with a processing fee of 2-5%.

Kissht depends on five (5) data sources while underwriting a customer.

They include their digital footprints, social media profile, online bank statement for the last three(3) months, utility bill payment data, and bureau of the customer.

4. Flexible Tenure

The best part of Kissht is that you get to choose your repayment tenure.

5. Multiple Repayment Options

Kissht has multi-repayment options that make loan repayment easy.

6. 100% Digital Process

There is no paperwork with Kissht, everything is done online.

Also Read: CashBean Loan App | How to get Personal loan instantly? Full Guide

Eligibility For A Kissht Loan

To be eligible to obtain any Kissht product, either a personal loan or product loan you must be eligible and the requirements include;

  • You must be a citizen of India
  • Your income must have at least Rs 12000
  • You must be at least 21 years of age.

Basic Documents Required For A Kissht Loan

  1. Aadhar card
  2. PAN Card
  3. Cheque

Other documents like utility bills, bank statements from about three(3) months back, etc.

Also Read: Money Enjoy Loan App | How to get Personal loan? Easy steps

Benefits Of Kissht Laon App 

  1. Attractive interest rates
  2. Availability of instant cash for personal loans.
  3. Low processing fees
  4. No collateral
  5. There is security
  6. The app is user-friendly

App Reviews

The Kissht Loan app has had more than 10 million downloads and the number of satisfied customers is also more than 3.5 million.

They have over 500 partners online and over 3000 partners offline.


Kissht is one of the fastest-growing credit financial companies in India and has been doing a good job at helping people with personal loans.

With Kissht you don’t have to feel bad if you can’t afford it, you can buy now but pay later.

Also Read: KreditBee Personal Loan App | How to take Loan Instantly?

Frequently Asked Questions

Is Kissht loan App legal?

The Kissht loan app is legal and is categorized under the NBFCS.

What is EMI?

EMI means equated monthly Interest. It is the amount payable monthly after collecting a loan.

Is Kissht registered with RBI?

Yes, Kissht registered with RBI.

What will happen if I don’t pay the Kissht Loan?

Just as other loans, Kissht loans are legally binding and failure to pay it is a criminal offense in India.

Asides from this, your credit score would take a big hit and you won’t be eligible for another loan.

Who is eligible to apply for a Kissht loan?

First, you must be an Indian citizen and must be at least 21 years of age.

How do I avail myself of a loan from Kissht?

You can do this by visiting their website or logging into their mobile app and following the instructions as regards what kind of loan you want.

Also, you must have met their requirements to be able to avail of a loan from Kissht.

Is the Kissht loan app safe?

Yes, the Kissht loan app is safe as it is operated by Onemi technologies Solutions Private limited and it has strong security to protect your personal information.

Who owns the Kissht App?

Krishnan Viswanathan owns the Kissht app.  He is a Yale University graduate with over 15 years of experience in the digital and mobile sectors including financial services.

Can I apply for a Personal Loan from Kissht from a personal store?

Yes, you can do that. You can also call Kissht customer care line to know the nearest store where you can get a personal loan from Kissht.

What if I do not have an Aadhar card and have never applied for it, can I still get a loan?

No, you won’t get a loan as Kissht needs to verify your Aadhar card and it is a major part of your application approval process.

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By Kapil Garg

I am a professional Loan and Insurance advisor with an approved license helping people with my services like Loans, Retirement Planning, Investment Planning.

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