Kissht Instant Loan App is one of India’s most popular instant loan platforms that allows users to get quick personal loans of up to ₹1,00,000 directly on their smartphone — without the need for income proof or salary slips. With a completely digital KYC process and fast approval, Kissht provides an easy way for salaried and self-employed individuals to access short-term credit when they need it most.
In this article, you’ll learn about the features, eligibility, documents, interest rates, benefits, and step-by-step process to apply for a loan using the Kissht App.
About Kissht Instant Loan App
Kissht is a trusted fintech lending platform operated by ONEMi Technology Solutions Pvt. Ltd., based in Mumbai. The company provides digital financial services, including personal loans, consumer durable loans, and credit lines.
The Kissht platform is RBI-registered and ensures a safe and transparent lending experience.
Key Features and Benefits
Instant Loan Access from Home
Apply for and receive loan approval instantly from your smartphone — no branch visits required.
Loan Amount Range
Borrow from ₹1,000 to ₹1,00,000, depending on eligibility and credit profile.
No Income Proof Required
You can apply even if you don’t have salary slips or formal income proof.
Quick Application Process
Loan approval takes just 5–10 minutes with instant KYC verification.
Multiple Loan Options
Choose between cash loans, credit line loans, or consumer durable loans. The credit line can be reused without reapplying.
Flexible Repayment Tenure
Repay your loan in 3 to 24 months, depending on the loan amount and your repayment capacity.
100% Digital Process
Apply, verify, and receive your loan — all online, with no paperwork required.
EMI Shopping Facility
Shop on credit from Amazon, Flipkart, Myntra, and other major online platforms and pay later in EMIs.
Improve Your CIBIL Score
Making timely repayments through the app helps improve your credit score, opening doors to higher loan amounts in the future.
RBI-Approved Platform
Kissht works with RBI-registered NBFCs, ensuring compliance with financial regulations.
Eligibility Criteria
To apply for a loan using the Kissht App, you must meet the following requirements:
| Criteria | Details |
|---|---|
| Nationality | Must be an Indian citizen |
| Age Limit | 21 to 55 years |
| Minimum Income | ₹12,000 per month (any source) |
| CIBIL Score | Should have a fair or good credit score |
| Mobile Number | Must be linked with Aadhaar |
| Bank Account | Active savings account with net banking facility |
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Documents Required
You’ll need the following documents to complete your loan application:
- PAN Card – Identity proof
- Aadhaar Card – Address proof
- Bank Statement / Salary Slip – Proof of income (if available)
- Selfie – For identity verification
All documents can be uploaded digitally through the Kissht app.
Interest Rates and Fees
| Charge Type | Details |
|---|---|
| Interest Rate | Up to 25% per annum (based on credit profile) |
| Processing Fee | Up to 2% of the approved loan amount |
| Late Payment Penalty | Applicable if EMI is delayed |
| GST | 18% GST applicable on processing and service fees |
How to Apply for a Loan on Kissht App (Step-by-Step Guide)
- Download and Install the Kissht App from Google Play Store or Apple App Store.
- Sign Up with your mobile number and verify with OTP.
- Choose Loan Type – Select Fast Cash Loan or Credit Line.
- Complete Digital KYC – Upload PAN, Aadhaar, and selfie.
- Check Eligibility – The system auto-verifies your creditworthiness.
- Accept Terms – Review and agree to the loan terms and interest rate.
- Provide Bank Details – For instant loan disbursement.
- Receive Loan Amount – Money gets credited to your account within minutes.
Using Kissht for Online Shopping
The Kissht App offers EMI Shopping Credit, allowing users to purchase products on leading e-commerce platforms like:
- Amazon
- Flipkart
- Myntra
- Vijay Sales
- Croma
You can shop now and repay later in easy monthly installments (EMIs) through the app.
Kissht Contact Information
Company Name: ONEMi Technology Solutions Pvt. Ltd.
Address: 202 Peninsula Centre, Dr. S. Rao Road, Parel, Mumbai – 400012
Customer Care: 022-62820570
WhatsApp: 022-48913044
Official Website: www.kissht.com
Important link
| Official website | Click here |
| Home page | Click here |
Important Note
The details shared here are for informational purposes only. Always refer to the official Kissht website or contact customer care for the latest loan offers, eligibility criteria, and interest rates.
The website app.gsebresultonline.com does not take responsibility for any discrepancies in the information provided.
Conclusion
The Kissht Instant Loan App 2025 provides a simple, secure, and fully digital way to get personal loans instantly without traditional paperwork. Whether you need quick cash or want to shop in EMIs, Kissht offers a flexible credit line that suits your needs.