Eligibility Criteria
Who Can Apply?
KisshtPay is open to salaried professionals, students, and small business owners across India. Check if you meet our basic eligibility requirements below.
Basic Eligibility Criteria
| Parameter | Requirement |
|---|---|
| Age | 18 – 65 years |
| Nationality | Indian Citizen / Resident |
| Employment | Salaried, Self-employed, Student, or Small Business Owner |
| Minimum Monthly Income | ₹ 8,000 (salaried) / ₹ 15,000 (self-employed) |
| CIBIL Score | 600+ preferred (new-to-credit applicants considered) |
| Mobile Number | Linked to Aadhaar & active bank account |
| Bank Account | Active savings / current account with 3+ months of statements |
Eligibility by Loan Type
Student Loan
₹ 1,000 – ₹ 25,000
- Age 18–30 years
- Enrolled in recognised institution
- Valid college / university ID
- Aadhaar + PAN mandatory
- CIBIL not mandatory (new-to-credit OK)
Salaried Personal Loan
₹ 5,000 – ₹ 50,000
- Age 21–58 years
- Minimum 3 months of employment
- Monthly salary ₹ 8,000+
- Last 3 months bank statement
- CIBIL 620+ preferred
Small Business Credit
₹ 5,000 – ₹ 70,000
- Age 21–65 years
- Business operating 6+ months
- Monthly revenue ₹ 15,000+
- GST registration or Udyam certificate (optional)
- CIBIL 600+ preferred
Documents Required
Identity Proof
- •Aadhaar Card (mandatory)
- •PAN Card (mandatory)
Address Proof
- •Aadhaar (auto-fetched)
- •Utility bill (optional)
Income Proof
- •Last 3 months bank statement (PDF)
- •Salary slips (optional for salaried)
Business Proof (if applicable)
- •GST certificate
- •Udyam / MSME registration
- •Business bank statement
Who Cannot Apply
- Applicants below 18 or above 65 years of age.
- Individuals with active loan defaults or NPA accounts.
- CIBIL score below 550 with existing credit obligations.
- Non-resident Indians (NRIs) without active Indian bank accounts.
- Applicants with fraudulent / mismatched KYC documents.
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