Instant Personal Loans
Pre-Approved in 60s — Up to ₹70,000.
Connect directly with accredited RBI-regulated NBFC partners. Enjoy low 9% starting interest rates, zero paperwork, and transparent Key Fact Statements with no hidden fees.
Customize Your Loan Requirements
Select your loan category, required amount, and tenure for a instant soft estimate.
Loan Categories Designed for India
Flexible borrowing limits matched to your profile with zero hidden charges.
Student Emergency
Designed for education expenses, laptops, skill courses, and exam fee payments.
Salaried Personal
For monthly rent, medical emergencies, travel, or household equipment upgrades.
Small Business Credit
Working capital support for local merchants, kirana stores, and digital freelancers.
Eligibility & Requirements
Check what documents and criteria are needed for your profile before applying.
| Document / Criteria | Salaried | Students & Freshers | Self-Employed |
|---|---|---|---|
| PAN Card | ✓ | ✓ | ✓ |
| Aadhaar Card (Digital e-KYC) | ✓ | ✓ | ✓ |
| Bank Account Details / PDF Statement | ✓ | ✓ | ✓ |
| College ID / Proof of Education | ✕ | ✓ | ✕ |
| Proof of Business (GST / ITR / Udhyam) | ✕ | ✕ | ✓ |
Sample Key Fact Statement (KFS)
Every loan agreement presents an explicit, standard KFS before any commitment.
| Parameter | Standard Term | KisshtPay Policy |
|---|---|---|
| Annual Percentage Rate (APR) | All-inclusive interest + fees | Explicitly shown before disbursal |
| Processing Fee | Upfront admin fee | Disclosed in KFS — zero surprise deductions |
| Cooling-off / Exit Period | RBI mandated right-to-exit | 3 Days (Exit penalty-free) |
| Prepayment / Foreclosure | Early loan payoff | Zero foreclosure penalty after 1st EMI |
Manage your loan on the go with the KisshtPay App
Complete your verification in minutes, track your monthly EMI calendar, and make instant UPI repayments seamlessly from your phone.
Built on Strict RBI Guidelines & Data Privacy.
We uphold highest standards of borrower safety: No hidden fees, no pre-ticked consent boxes, 256-bit bank-grade encryption, and dedicated grievance redressal.