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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Your monthly EMI will be

0@16% / 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 ₹1LMax ₹50L

Rate of Interest

%
Min 8%Max 24%

Loan Tenure

Years
Min 1 YearMax 7 Years

Why Choose Kissht for Personal Loan?

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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

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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."

Ankit

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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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"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

• Selfie • PAN Card • Aadhar Card (Address Proof)

To complete Digital KYC, only your Aadhaar Card & PAN Card are required.

Income Proof is not required for all customers. Only for some high-value loans, depending on customer’s credit profile, he/she may be asked to submit Income Proof by linking his bank account or via PDF Bank statement so that the bank statement can be fetched & verified online.

No, we do not require any security or guarantor to approve your loan. Once we verify your basic information & complete your digital KYC, your loan will be approved by the system, based on profile eligibility.

You cannot extend the tenure after a loan has been approved.

Kissht - India’s
Most Trusted Loan App

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Kissht - India’s Most Trusted Loan App

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Downloads

40M+

Downloads

Loans Disbursed

4000Cr+

Loans Disbursed

Customer

1Cr+

Customer

PlayStore
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