All your Questions answered in one place

Some of your Questions:


What is Kissht?
What kind of products can I buy here?
Phones/ laptops/ electronics and even furniture. You name it, we’ve got it! From interiors for decor to products that increase the productivity in your life (like a laptop or a phone), we give loans for everything.
How is Kissht different from other players in the market providing EMIs on products?
Most of E-Commerce portals provide EMI on credit card. However, not everyone - especially young salaried & self-employed professionals - possesses credit cards. That is why Kissht provides loans on your debit card (savings account) after assessing applicants’ creditworthiness using machine learning algorithms, big data and Artificial Intelligence. We aim at easy access to credit for all on flexible EMIs without card.
Are the products on Kissht covered by warranty?
Absolutely! All products on Kissht are 100% original and are covered by the manufacturer’s warranty from the day of purchase.

Kissht Eligibility:

How do I know whether I am eligible?
Any Indian citizen possessing Pan Card & earning more than 12.5k per month is eligible for Kissht instant loan. At Kissht, we do not measure creditworthiness through traditional channels such as your CIBIL score only. Instead, we study your digital footprint in addition to the information in the public domain such as your Aadhaar number and PAN card to assess how likely are you to repay your loan successfully. Positive spending habits such as paying bills on time, accurate personal information in public domain such as Aadhaar Card, and a good plan for repayment would increase your eligibility.
I don’t have an Aadhaar Card?
Unfortunately we will need to validate your Aadhaar Card number to process the application further. You are required to hold a valid Aadhaar card number in order to complete the application for Kissht loan.
I do not have Netbanking on my account. Am I still eligible?
Yes, you are still eligible for a loan. You have to upload the last 3 months of bank statement and you are good to go.
I do not have a bank account but can pay in cash. Am I still eligible?
Sadly, you are not eligible in that case. Uploading bank statements is an important part of our process, without which our systems cannot assess the credibility of your loan application.

Repayments for EMI

Are there any hidden charges that I should be aware of?
No, there are no unpleasant surprises in the form of hidden charges at Kissht. Our pricing is absolutely transparent.
At what stage do I make the down-payment?
You have to make the down-payment and processing fee before completing the loan application. We will process your application after the payment is made.
What if my loan does not get approved after paying the processing fee and down-payment fee?
Don't worry, we will refund your entire amount if your loan is not approved from our side.
What is EMI?
While most months are easy, others aren’t. Unforeseen expense can take anyone by surprise and upset the monthly budget. That is why, we offer our customers the flexibility to skip paying an instalment in a tough month and pay it the next month for a small convenience fee.
If I buy a product from Kissht, how would I pay the EMIs?
We don’t want to bother our customers with nitty-gritties of EMI. That’s why we set up an Auto Debit Instruction from your savings bank account so that the instalments are automatically deducted from it every month.
Will late payment of the monthly installment invite some kind of penalty?
Well a late monthly payment invites a convenience charge along with it. The charge however will depend on your product price.
What happens if I don’t pay my monthly installment?
Like any other loan, all agreements are legally binding as per RBI regulations and not paying EMIs is a criminal offence in the Indian court of law. After you default on the loan, your personal information is sent to all credit bureaus and banks in India who then subsequently drop your credit score (or CIBIL score). It will become really hard for you to take any bigger loan from any Bank in India in the future as they will see that you have not paid EMIs in the past in your credit history.
What do I do re-payment in case my savings account doesn't have enough balance at the time of due date?
The required amount of balance must always be maintained at the time of due date for debiting the monthly payment. Insufficient balance would lead to a bounce of payment which is a criminal offence in the Indian court of law. It shall also attract a penalty (same as the convenience fee for a ‘no payment’) and affect your credit score adversely.
Do you have an option of pre-payment of the EMIs?
Yes, our customers can pre-pay the instalments without being penalized.
Can I extend the tenure of EMIs after taking a loan?
sorry, extending the tenure after a loan has been approved is not possible. :/
What happens if I skip a monthly instalment? Can I pay it at once the next month?
We strongly advise you not to skip paying an instalment. Defaulting on an instalment will dip your credit score and you will not be able to take further loans from any financial institution. Kindly get in touch with us for detailed guidance. You cannot skip the payment for a particular month. Skipping a payment will invite a convenience charges along with the monthly payment.
Once I have paid all the EMIs how do I get a confirmation?
We will send you a No Objection Certificate once you have paid all your EMIs.


How do I shop on EMI without credit card?
Kissht Eligibility Criteria
How do I buy something from Kissht?
What are the payment options?
You can use a Debit Card / Net Banking or Wallets to make the downpayment on the App. For monthly EMI payments, we will auto debit your bank account using NACH mandates once they get approved. Meanwhile, you can also use the App to make EMI payments
How many products can I buy from Kissht in a single order?
You can buy only one product at a time using Kissht. However, you may apply for a second product once you have repaid your 2 EMIs in time or prepay your loan, whichever is earlier. Of course, we advise you to pay up quicker to avoid multiple debts.
How much time would it take to approve my application?
Typically, our systems take around 24 hours for final approval of loan application.
How do I cancel my application?
If you want to change the product you can always do that through the app via the side menu swiping right on the application. If you want to cancel the product, don’t hesitate to get in touch with our customer support team at care@kissht.com. They would love to help you with that (trust us; they wait for you all day).
How do I change my address and contact details?
You can always get in touch with our customer happiness team to get it updated at care@kissht.com

Online Shopping on EMI (Product purchase)

How much can I borrow?
You can take a loan for any amount between ₹5,000 to ₹2,00,000
How will the loan amount be disbursed?
Payment happens to merchant directly, so you do not have to worry about the cash.
What will be the repayment schedule of the loan?
You can choose any monthly repayment schedule of a minimum of 3 months and up to 18 months depending on your convenience.
What will be the interest rate?
The interest rate depends on the product and the period of repayment that you choose. Generally there are 2 different type of offer : 0% for 6 months & 5% to 15% for higher tenure
Is there any kind of down payment on the products?
Yes, you need to pay a minimum of 10% of the cost of the product you want to purchase as down payment bought directly from our online store.
Do you give interest free EMIS?
Depending on offers we give time to time or your credit score, we might surprise you with interest free EMIs.
Are there any hidden charges?
No, there are no hidden charges.
How can i make monthly payments?
You can pay through Wallets, ECS or Online Transfer.
What documents are need to approve a loan?
Documents related to KYC as per regulations are needed.
Do you access my CIBIL score?
Yes, on behalf of our Financing Partner, we have to do it as a mandatory step for verification and eligibility.
I want to purchase later, can i apply for a pre-approval?
Yes, you can take a line of credit and buy later either from us or our merchant partners.
What is the procedure to return and get a refund for my purchase?
We do not have a return/refund policy. However, you can replace the product in case it is defective/damaged. Replacements are subject to the respective e-commerce portal's return policy.
What if the delivery is delayed?
The delivery totally depends on our merchant partners! If it’s delayed then that’s unusual. Please get in touch with our customer support team.