Frequently Asked Questions
Everything you need to know about loan eligibility, RBI compliance, and disbursals.
Q. Does checking loan eligibility on KisshtPay affect my CIBIL score?
No! The initial eligibility check is a free soft credit pull that has zero impact on your CIBIL score.
Q. What loan amounts are available on KisshtPay?
We offer tailored product bands: Student Loans (₹1,000 – ₹25,000), Salaried Personal Loans (₹5,000 – ₹50,000), and Business Working Capital (₹5,000 – ₹70,000).
Q. What is a Key Fact Statement (KFS)?
Per RBI Digital Lending Guidelines, a KFS is a standardized document detailing the exact loan amount, interest rate (APR), processing fees, total repayable amount, EMI schedule, and cooling-off period.
Q. What is the 3-Day Cooling-off Period?
If you change your mind within 3 days of accepting a loan agreement, you can exit the agreement by repaying the principal without any foreclosure or prepayment penalty.
Q. What documents are required to complete KYC?
You need a valid PAN card, Aadhaar number for digital e-KYC, and basic bank account details for direct fund disbursal.
Q. How can I contact the Grievance Redressal Officer?
You can email our Grievance Redressal Officer, Rajesh Kumar, directly at support@kisshtpay.online. Response SLA is within 24-48 business hours.
Have More Questions?
Our support team is available Monday to Saturday to answer any technical or application questions.