Kissht
Kissht Personal Loan
An app run by a listed company that arranges loans of ₹10,000–₹5 lakh over 6–60 months through its own NBFC and partner lenders, from 1% a month with APR up to 45%; fees and foreclosure depend on which partner lends.
- 12% to 36% a year
- ₹10,000 to ₹5 lakh
Rates and charges
- Interest rate
- 12% to 36% a year
- Annual percentage rate (APR)
- Up to 45%
- Processing fee
- 3% including GST in Kissht's example loan; no fee range is published
- Foreclosure
- Depends on which partner lends: 4% + taxes on the principal and interest you close early with one partner (nothing during the cooling-off period), or 3.39% of the principal outstanding + taxes with another. The Key Fact Statement shows which applies
- Part-prepayment
- Not published
What ₹1,00,000 for 12 months would cost
| At | EMI | Interest | Fee + GST | Total cost |
|---|---|---|---|---|
| Lowest rate (12%) | ₹8,885 | ₹6,619 | ₹0 | ₹6,619 |
| Highest rate (36%) | ₹10,046 | ₹20,555 | ₹0 | ₹20,555 |
Uses the published rates with no processing fee plus 18% GST. Try your own numbers in the EMI calculator.
Loan terms and eligibility
- Loan amount
- ₹10,000 to ₹5 lakh
- Tenure
- 6 months to 5 years
- Who can apply
- Salaried and Self-employed
- Minimum income
- Not published
- Age
- 21–60 years
- Disbursal (lender's claim)
- Money in your account in as little as 5 minutes
- Who lends
- Si Creva Capital Services Private Limited, Suryoday Small Finance Bank Limited
- RBI digital lending apps directory
- Listed (as reported by the lender)
Apply with Kissht
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender and doesn't guarantee approval. Approval is at the bank's or lender's discretion. The lender decides your rate, amount and approval.
Work out your EMI with Kissht's rates
Prefilled with Kissht's lowest published rate. Change any number to match your offer.
Your loan
- Monthly EMI
- ₹8,885
- Total interest
- ₹6,619
- Processing fee + 18% GST
- ₹2,360
- Total cost of the loan
- ₹8,979
- Effective annual cost
- 16.56%
- Money in hand
- ₹97,640
- You pay back in 1 yr
- ₹1,08,979
Total cost = interest + processing fee + GST. Effective annual cost is the yearly rate you really pay on the money in hand, the way lenders work out the APR in a Key Fact Statement.
Same loan, different tenures
| Tenure | EMI | Total interest | Total cost (incl. fee + GST) | Effective annual cost |
|---|---|---|---|---|
| 12 months (yours) | ₹8,885 | ₹6,619 | ₹8,979 | 16.56% |
| 24 months | ₹4,707 | ₹12,976 | ₹15,336 | 14.42% |
| 36 months | ₹3,321 | ₹19,572 | ₹21,932 | 13.67% |
| 48 months | ₹2,633 | ₹26,402 | ₹28,762 | 13.29% |
| 60 months | ₹2,224 | ₹33,467 | ₹35,827 | 13.06% |
A longer tenure lowers the EMI but raises the total interest. A fixed fee costs more per year on a short loan.
Not sure this lender is right for you? See offers matched to your profile
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Questions people ask
What interest rate does Kissht Personal Loan charge?
Kissht publishes 12% to 36% a year. The rate you're offered depends on your credit score, income and the lender's own checks, and is usually above the starting rate.
What is Kissht's processing fee?
3% including GST in Kissht's example loan; no fee range is published. GST at 18% is added to the fee.
Who actually gives the loan?
Kissht is a lending app. The loan is given by Si Creva Capital Services Private Limited, Suryoday Small Finance Bank Limited, which are regulated by the RBI. Your Key Fact Statement names the exact lender.
Is Kissht registered with RBI?
The Kissht app is listed in RBI's directory of digital lending apps, as reported by Si Creva Capital Services Private Limited. The directory shows what lenders report; RBI doesn't vouch for the app. The app itself isn't a lender; the bank or NBFC behind it is regulated by RBI.
Can I close or prepay a Kissht loan early?
Closing early: Depends on which partner lends: 4% + taxes on the principal and interest you close early with one partner (nothing during the cooling-off period), or 3.39% of the principal outstanding + taxes with another. The Key Fact Statement shows which applies.
Who can apply for a Kissht personal loan?
Salaried and self-employed applicants. Age: 21–60 years. Approval is at the lender's discretion.
How much does a ₹1,00,000 loan from Kissht cost?
Over 12 months at the lowest published rate, about ₹6,619 in interest and fees; at the highest published rate, about ₹20,555. Your EMI depends on the rate you're offered.
Related guides
- True Cost of a Personal Loan: Fees and APRWhat a personal loan really costs: flat vs reducing rate, processing fee and GST, APR in the Key Fact Statement, foreclosure and penal charges.
- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
- True cost of a ₹1 lakh loan at every lenderInterest, processing fee and GST, side by side
Last verified 18 Oct 2026 on Kissht's official page. Rates and fees change; check the lender's terms before you apply.