What is a Personal Loan ?

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What is Personal Loan

A personal loan offers quick, collateral-free financing for diverse financial needs. With competitive interest rates, minimal paperwork, and swift approval, instant personal loans ensure seamless access to funds. Its flexible repayment options make it a strategic financial tool for managing expenses efficiently.

Personal Loan Calculator

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Loan Amount

Min ₹5K

Min ₹60L

Rate of Interest

%

Min 6%

Max 36%

Loan Tenure

Min 3 Months

Max 72 Months

Your monthly EMI will be 0 @9%/Year

Your monthly EMI will be

0

@9%/Year


Total Repayment Amount

Total amount you will repay over full tenure

0


Total Interest charged

Total interest you will pay over full tenure

0

Loan Amount

Min ₹5K

Min ₹60L

Rate of Interest

%

Min 6%

Max 36%

Loan Tenure

Min 3 Months

Max 72 Months

Why Choose Kissht for Personal Loan ?

Why Choose Kissht

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Instant Approvals

Instant Approvals

Zero Paperwork

Zero Paperwork

Pay over 60 Months

Pay over 60 Months

Affordable Interest

Affordable Interest

Personal Loan Benefits

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Loan Top-ups Available

Loan Top-ups Available

Direct Bank Transfer

Direct Bank Transfer

100% Digital Process

100% Digital Process

No Collateral Required

No Collateral Required

Multi-purpose Loans

Multi-purpose Loans

Transparent Terms

Transparent Terms

Eligibility Criteria

Personal Loan

Eligibility Criteria

eligibility
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Nationality: Indian citizen
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Age: Between 21 and 60 years.
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Documentation: Selfie, PAN Card, and Aadhaar Card.
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Income Proof: Required only for select high-value loans based on credit profile.
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Profile: Salaried, Self-Employed, Small business owners & MSMEs

How to apply for a Personal loan?

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step
01

Verify Mobile Number

Enter your number on the Kissht app, receive an OTP, and verify.

02

Enter Basic Details

Fill in your name, DOB, address, and employment details accurately.

03

Complete Digital KYC

Upload your PAN and Aadhar for quick verification.

04

Get your Loan

Upon approval, funds are instantly transferred to your account.

Documents required for Personal Loan

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documents
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Basic details

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KYC documents – Aadhaar card & Selfie verification

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PAN card of the borrower

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Income details

Our Happy Customers

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testimonial

"My mother needed urgent medical treatment, and I was short on funds. I applied for a loan with Kissht, and to my surprise, the money came quickly, helping me in a tough time."

Anjali

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testimonial

"When my daughter’s wedding was near, I needed extra money to manage the expenses. Kissht made sure I got my loan on time, and I didn’t have to delay anything."

Ankita

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testimonial

"My house needed urgent repairs before the monsoon, but I didn’t have enough savings. Kissht gave me a loan fast, and I was able to fix everything before the rains started."

Rakesh

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testimonial

"One morning, my bike broke down completely, and I needed money for repairs. Kissht gave me a quick loan, and I was able to get back on the road without stress."

Ravi T

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testimonial

"My child’s school fees had to be paid suddenly, and I was worried about managing it. Kissht helped me get the money easily, and I paid the fees on time without any hassle."

Shreya P

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Frequently Asked Questions?

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faq

A personal loan can be used for a variety of purposes like funding a wedding, medical expenses, or debt consolidation. It's a type of unsecured loan. Borrowers can apply for an instant personal loan online with Kissht, offering flexible terms and competitive personal loan interest rates.

Loan application for an instant personal loan online with Kissht is simple: 1. Verify Mobile Number: Enter your number on the Kissht app, receive an OTP, and verify. 2. Enter Basic Details: Provide your name, DOB, address, and employment details. 3. Complete Digital KYC: Upload your PAN and Aadhaar for quick verification. 4. Get Your Loan: Once approved, funds are instantly transferred to your account.

To apply for a personal loan with Kissht, you'll need the following documents: 1. Basic details: Name, address, and employment information. 2. KYC documents: Aadhaar card and selfie verification. 3. PAN card: For identity verification. 4. Income details: Proof of income for loan assessment.

The interest rate on personal loans with Kissht may vary based on your profile, including factors like credit score and income. Rates are competitive, and the exact rate will be shared with you during the loan application process.

The amount you can get on a personal loan with Kissht depends on factors such as your credit profile, income, and repayment capacity. Loan amounts typically range up to ₹5 lakh, and the exact amount will be determined during the application process.

The minimum credit score for a personal loan may vary based on your profile and the loan amount. While a higher score improves your chances, Kissht considers various factors beyond just the credit score when evaluating loan applications.

To apply for a personal loan with Kissht, you must meet the following requirements: • Nationality: Indian citizen • Age: Between 21 and 60 years • Documentation: Selfie, PAN Card, and Aadhaar Card • Income Proof: Required for select high-value loans based on credit profile • Profile: Salaried, Self-Employed, Small business owners, and MSMEs

Income proof is generally required for select high-value personal loans. For smaller loan amounts, it may not be necessary. Kissht will assess your application and inform you if income proof is needed during the loan process.

The approval time for an instant personal loan online with Kissht is quick. Once you submit your details and documents required for a personal loan, the loan is processed swiftly, and approval can be received within minutes. The exact timeline might differ based on your profile and the documents provided.

Yes, you can still apply for an instant personal loan with Kissht even if you have a low credit score. While credit history is considered, Kissht also evaluates other factors like income and repayment capacity to determine eligibility.

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40M+

Downloads

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4000Cr+

Loan Disbursed

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1Cr+

Customer

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