Get instant loans for all your dreams. Achieve your dreams with easy, affordable personal loans up to Rs. 5 Lakhs with Kissht.
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.
Calculate your Personal Loan EMI with the personal loan EMI calculator using the following parameters:
| Parameter | Description | Range |
|---|---|---|
| Loan Amount | How much do you need? | Min ₹10,000 - Max ₹5,00,000 |
| Rate of Interest | Interest Rate | Starting from 1% per month |
| Loan Tenure | Repayment Tenure | 6 - 60 Months |
Illustration Example:
Disclaimer: The Loan EMI Calculator provides an estimated value. Please consult your lender for accurate details specific to your loan amount and profile. You can check your exact eligible interest rate on the personal loan interest rates page.
| Feature | Description |
|---|---|
| Flexible Repayments | Choose EMI plans that suit your income and financial goals |
| Instant Approval | Get approval within minutes through Kissht instant loan app |
| Lower Interest Rates | Get a loan at affordable personal loan interest rates |
| Quick Disbursals | Money credited within minutes via Kissht loan |
| 100% Paperless | Get your loan with a completely digital and hassle-free process |
| Minimal Docs | Just upload your PAN, Aadhaar and a selfie. No lengthy paperwork |
| Benefit | Description |
|---|---|
| Loan Top-ups Available | Get an unsecured loan without pledging assets |
| Direct Bank Transfer | Get your loan amount transferred directly to your bank account |
| 100% Digital Process | Apply anytime using our Kissht personal loan app |
| Multi-Purpose Loans | Use funds for travel, medical, or personal needs |
| Transparent Terms | No hidden fees or surprise charges |
| No Collateral Required | Enjoy hassle-free unsecured borrowing |
Track your credit score. Check your credit score in seconds and stay one step ahead of your financial goals.
| Criteria | Requirement |
|---|---|
| Nationality | Indian citizen |
| Age | Between 21 to 60 years |
| Documentation | Selfie, PAN Card, and Aadhaar Card |
| Income Proof | Required only for select high-value loans based on credit profile |
| Profile | Salaried, Self-Employed, Small business owners & MSMEs |
The application process is simple and digital:
| Document | Purpose |
|---|---|
| Basic Details | Quick profile verification |
| Selfie | Simple identity confirmation |
| PAN Card | Required for financial identification |
| Aadhaar Card | Valid address proof document |
Overall Rating: 4.6/5
Anjali: "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."
Ankita: "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."
Rakesh: "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."
Ravi T: "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."
Shreya P: "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."
Kissht is operated by OnEMI Technology Solutions Limited, which listed on the NSE and BSE on May 8, 2026. This means the company's loan book, revenue, and user metrics are disclosed through SEBI filings and stock exchange reporting, in addition to what Kissht shares on its own platforms. Read more about Kissht's public listing and what it means for borrowers.
When you take a personal loan with Kissht, repayment communication is directed only to you and any formally nominated guarantor, not to family, friends, or your employer. If you anticipate difficulty repaying an EMI, reaching out to Kissht support before the due date to discuss options is more effective than missing the payment. You can review what happens with a missed payment on the what happens if you miss an EMI guide, or explore a personal loan balance transfer if you're looking to reduce your EMI burden on an existing loan.
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:
To apply for a personal loan with Kissht, you'll need the following documents:
Kissht personal loan interest rates start from 1% per month, with an APR ranging from 17% to 45% depending on your credit score, income, and loan tenure. The exact rate applicable to you will be shared during the loan application process. You can review current rates in detail on the personal loan interest rates page.
The amount you can get on a personal loan with Kissht ranges from ₹10,000 to ₹5 Lakh, depending on factors such as your credit profile, income, and repayment capacity. The exact amount will be determined during the application process.
No. Kissht's recovery communication is directed only to the borrower and any formally nominated guarantor. If you experience recovery conduct that falls outside this, you can raise it through Kissht's Customer Grievance Redressal Mechanism or escalate through the RBI Complaint Management System.
Tagline: Sapno ko Kaho YES!
Customer Rating: 4.6/5
Kissht is a fully digital lending platform available to eligible applicants across India, not limited to these cities.