RBI Regulated Entities
Our Lending Partners
In compliance with the Reserve Bank of India (RBI) Digital Lending Guidelines 2026, KisshtPay partners exclusively with licensed Banks & registered Non-Banking Financial Companies (NBFCs).
✓ 100% Direct Disbursals into Customer Bank Accounts
All loan funds are disbursed directly from the bank account of the Regulated Entity (RE) to your verified savings account, with zero pass-through pooling accounts.
RBI Compliant LSP
Primary Partner
Kissht Lending Partner
Si Creva Capital Services Pvt. Ltd.
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RBI Reg. Number:N-13.02128
Loan Band:₹1,000 – ₹70,000
Interest Rate (p.a.):9% – 28% p.a.
Available Tenures:3 to 12 Months
Highlights
✓ Instant UPI Disbursal✓ Zero Prepayment Penalty✓ Flexible Tenures
Grievance: care@sicrevacapital.comOfficial Portal ↗
Institutional Partner
Northern Arc Digital Credit
Northern Arc Capital Limited
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RBI Reg. Number:07.00445
Loan Band:₹5,000 – ₹50,000
Interest Rate (p.a.):12% – 26% p.a.
Available Tenures:3 to 12 Months
Highlights
✓ Paperless Digital KYC✓ Competitive Interest✓ CIBIL Score Friendly
Grievance: grievance@northernarc.comOfficial Portal ↗
Instant Disbursal Partner
KreditBee Capital Partner
Krazybee Services Private Limited
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RBI Reg. Number:N-02.00331
Loan Band:₹1,000 – ₹35,000
Interest Rate (p.a.):14% – 29.5% p.a.
Available Tenures:2 to 6 Months
Highlights
✓ Micro Emergency Credit✓ Student & Freshers Friendly✓ 24x7 Sanctioning
Grievance: reachus@krazybee.comOfficial Portal ↗
Business Credit Partner
Vivriti FinTech Lending
Vivriti Capital Limited
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RBI Reg. Number:N-07.00806
Loan Band:₹10,000 – ₹70,000
Interest Rate (p.a.):9.5% – 24% p.a.
Available Tenures:6 to 12 Months
Highlights
✓ MSME Business Loans✓ Low Processing Fee✓ High Credit Limit
Grievance: nodalofficer@vivriticapital.comOfficial Portal ↗
Check Your Eligibility Across All Partners
Fill our quick 2-minute application form to check your real-time pre-approved offers from all accredited lending partners with zero CIBIL score impact.