kissht finance

KISSHT FINANCE – DIGITAL EMI CARD, INSTANT CASH, LOANS

Most of the E-Commerce portals provide EMI on credit card only. But Kissht Finance provides loans on a debit card. Further, get easy credit to all on flexible EMIs option without any credit card. The headquarter of Kissht Finance is in Mumbai, India.

What are the documents required for Kissht Finance loan?

  • PAN Card
  • Aadhaar Card (Address Proof).
  • One Cheque.
  • 3 months Bank Statement
  • Utility Bill

Products are available at Kissht Finance.

  1. Digital EMI card.
  2. Kissht Instant Cash.
  3. Kissht Product Loan.

 

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Kissht Digital EMI Card Features :

  1. Kissht’s Digital EMI Card is to get a quick emergency loan with the provision of EMI without a credit card.
  2. The Digital EMI Card gives you a preapproved credit limit
  3. Instant Processing.
  4. No physical documentation required.
  5. 100% online process.
  6. Also, low interest rate
  7. Digital EMI card is simple a virtual card.

How to apply for a Digital EMI Card from Kissht Finance?

  1. Login to the Kissht App OR login to www.kissht.com
  2. Select the option “Activate Digital EMI Card”
  3. Fill all the basic information.
  4. Pay the Processing fee (100% refundable if the card is not approved or canceled by the user before approval)
  5. Then upload soft copy of required documents.
  6. Credit team will verify your documents and approve your card accordingly.
  7. A Wallet amount is assigned to your card and your card is ready for use
  8. In case of any query, you can reach us at care@kissht.com or call our customer service desk at (022-48913044). You can also use our Live chat option available on the Kissht App or on our website at www.kissht.com

 

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What is the eligibility criteria for availing Digital EMI Card at Kissht Finance?

  1. The customer needs to be an Indian Citizen.
  2. The minimum monthly income requirement is Rs.12,000/- (salaried or self- employed).
  3. Your CIBIL Score measures Creditworthiness.
  4. Repayment history is checked.

Where can you use my Digital EMI card?

  1. Online Product Loan:
    Once you get a limit on your card, you can use the “Start Shopping” option. You can select products from a wide range of various online merchants.
  2. Online Cash Loan:
    You can also use the card limit to avail cash loan by clicking on “Get Instant cash” option after logging on to Kissht App or on www.kissht.com
  3. Offline Product Loan:
    You can buy from any Kissht enabled offline store as per the limit available on your Digital EMI card. You inform the store merchant that you have a pre-approved Digital EMI Card.

What if you cancel the Digital EMI card after receiving final approval?

If you cancel the card after final approval, then you are not eligible for the refund of the Processing fee of Rs.235.

What is Instant cash facility at Kissht Finance?

Instant cash is a special form of personal loan. It can be applied & approved online. Cash get directly credits to your bank account once loan get approves.

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How to apply for Instant Cash? How is it different from a Personal Loan?

Instant Cash is a subset of Personal Loan. It is specifically designed to get some loan at the time of personal emergency. Instant cash loan is directly credited into your bank account after approval.

What are the choices of loan amount available under Instant Cash?

Instant cash loan options are available for –

  1. 10,000/-
  2. 25,000/-
  3. 35,000/-
  4. 50,000/-

 

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How do you know whether I am eligible for Instant cash?

  1. You need to be an Indian Citizen.
  2. The minimum monthly income requirement is Rs.15, 000/- (salaried or self- employed) and last 3 months’ worth bank statement as Income Proof.
  3. Creditworthiness is measured by your CIBIL Score.
  4. Checking of Repayment History.

How to apply for an Instant Cash from Kissht Finance?

  1. Login to the Kissht App OR login to www.kissht.com
  2. Next click on “Get Instant Cash” and select the cash loan amount of your choice
  3. Fill all the basic information.
  4. Pay the Processing fee (100% refundable if the card is not approved or canceled by the user before approval)
  5. Upload a soft copy of all required documents.
  6. Credit team will verify your documents and approve your card accordingly.
  7. Finally, cash is disbursed directly to your bank account by NEFT after loan approval.

 

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What is a Product Loan at Kissht Finance?

Product Loan is an online loan given for the purchase of any product on EMI basis. Kissht product loan enables you to apply as well as get approval for your product loan online. You can purchase mobiles, laptops, refrigerator or jewelry etc.

Can you buy multiple product loans at the same time?

You can apply for only 1 product loan at a time. Another loan you can apply only after paying off at least 1st EMI of the previous loan. This is applicable for online applications.

In case of offline purchase from stores that have a tie-up with Kissht, you can bundle a maximum of 5 products and apply for a single loan covering all 5 at once. Also, just ensure that none of the 5 products are identical in nature and are different from each other.

How the product loan amount gets disburses?

Payment happens to merchant directly. Once your loan is approved, the merchant ships the product to your residential address as mentioned in your address proof submitted by you for loan approval.

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What will be the loan repayment time of the loan?

You can choose any one loan repayment time out of 6, 9, 12, 15 & 24 months.

How long does it take to get a Product loan?

For online applications, if you upload the correct documents, then the loan approval can happen within 3 working days.

But, for offline applications, once you submit the correct documents the loan approval can happen in less than 30 mins.

How many product loans can you take?

There is no limit as such on the number of loans that you can take. It depends on the total amount that you are eligible for product loan. The total loan amount that you are eligible for is known as the wallet amount and the same will be visible to you on your Kissht App as well as when you log in to the website.

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