Kissht Loan App Review 2026: Real or Fake? Interest Rate & Scan-Pay Guide

Want to buy a phone on EMI but don’t have a Credit Card? Or need ₹10,000 cash urgently?

Let’s meet Sameer.

Sameer is a college student who does part-time freelancing. His laptop crashed, and he needed a new one for ₹40,000 immediately to continue his work.

He asked his friends, but no one had that much cash.

He went to the bank, but they asked for 3 years of ITR and Salary Slips, which he didn’t have.

Then, he saw an ad for Kissht.

• He downloaded the app.

• Uploaded his Aadhaar and PAN.

• Within 10 minutes, he got a credit limit of ₹50,000.

• He bought the laptop on EMI and is now repaying it in small installments.

This is why Kissht (and its partner app Ring) has become a favorite among Indian youth. It bridges the gap between “Pocket Money” and “Big Expenses”.

But is it safe? Are there hidden charges? Is it RBI approved?

In this detailed review, we will dissect the Kissht Loan App and tell you if you should use it in 2026.

Part 1: What is Kissht App? (The “Digital Credit Card”)

Kissht is not just a “Loan App”; it is a Financial Technology (Fintech) Platform.

Think of it like a Digital Credit Card.

Instead of giving you a plastic card, they give you a Line of Credit on your phone.

You can use this money in 2 ways:

1. Revolving Line of Credit (Ring App): You get a limit (e.g., ₹10,000). You can go to any shop (Tea stall, Grocery store), scan their QR code, and pay using this limit. (Just like UPI).

2. Instant Personal Loan: You can transfer the money directly to your Bank Account for emergencies.

3. Shopping Loan: You can buy products on Amazon/Flipkart/Dell using the Kissht EMI card option.

Part 2: Safety Check – Is Kissht Real or Fake?

This is the most important question. With so many Chinese scam apps in the market, is Kissht safe?

The Answer: Yes, Kissht is 100% Legit.

Why?

Kissht is a technology platform, but the money comes from RBI Registered NBFCs (Non-Banking Financial Companies). They do not lend their own money; they partner with big regulated companies.

Kissht’s Official Lending Partners (2026 List):

1. Si Creva Capital Services Pvt Ltd (This is their main partner).

2. MAS Financial Services Ltd.

3. Northern Arc Capital.

4. Piramal Capital & Housing Finance.

⚠️ Warning: While Kissht is safe, there are hundreds of fake apps that look like it. Before downloading any app, always check our Fake Loan App List & Safety Guide to ensure you are not falling into a trap.

Part 3: Key Features at a Glance (Table)

Before you apply, know the numbers.

Feature	Details
Loan Amount	₹5,000 to ₹5,00,000
Interest Rate (APR)	18% to 36% per annum (Depends on credit score)
Tenure	3 Months to 24 Months
Processing Fee	2% to 5% of Loan Amount
Documentation	100% Paperless (Aadhaar + PAN)
Speed	Instant Disbursal (Under 5 minutes)
Collateral	Zero (No security needed)

Part 4: The “Scan & Pay” Feature (Kissht vs RING)

Many users get confused: “Is Ring and Kissht the same?”

Yes and No.

They are owned by the same parent company (OnEMI Technology).

• Use Kissht App if: You want a Big Personal Loan (₹50,000+) to buy electronics or for medical needs. The repayment time is longer (up to 2 years).

• Use RING App if: You want a Small Limit (₹5,000) for daily expenses like food, travel, or tea. You scan a QR code, pay, and repay the bill after 15-30 days.

Think of Kissht as a “Personal Loan” and Ring as a “Pay Later” wallet.

Part 5: Eligibility Criteria (Who Can Apply?)

Kissht is very lenient compared to banks.

1. Nationality: Indian Citizen.

2. Age: Minimum 21 Years.

3. Income: Minimum Monthly Income of ₹12,000 (Salaried or Self-Employed).

4. CIBIL Score: Even if your score is 600-650, you can get a small loan. However, for loans above ₹1 Lakh, a score of 700+ is preferred.

Part 6: Documents Required

You don’t need a printer or scanner. Just your phone.

1. Identity Proof: PAN Card (Mandatory).

2. Address Proof: Aadhaar Card (Linked with Mobile Number for OTP).

3. Income Proof (Optional):

   • For small loans (<₹25k): Usually Not Required.

   • For big loans (>₹50k): Last 3 months’ Bank Statement (Netbanking Login).

4. Selfie: To prove you are a real person.

Part 7: How to Apply Step-by-Step

Follow this process to avoid rejection.

Step 1: Download

Install the official Kissht App from Google Play Store. (Do not download APK files from Google; they can be viruses).

Step 2: Registration

Sign up using your Mobile Number and Email ID.

Step 3: Quick KYC

Enter your PAN number and Aadhaar number. You will get an OTP.

Note: Make sure your name matches exactly on both cards.

Step 4: Check Limit

The AI will scan your profile and SMS history (transactional SMS) to decide your limit. You will see a message: “Congratulations! You are approved for ₹40,000.”

Step 5: Bank Transfer

Click on “Get Money”. Enter your Bank Account number and IFSC.

• The processing fee is deducted from the loan amount.

• The rest is credited to your bank in 2 minutes.

Part 8: The “Hidden” Charges (Read Carefully)

Adverts say “Low Interest”, but you must know the real cost.

1. Processing Fee: If you take ₹10,000, they might deduct ₹500 to ₹800 upfront. You receive only ₹9,200 but have to repay ₹10,000 + Interest.

2. Bounce Charges: If you miss an EMI date, the penalty is HEAVY. It can be ₹500 per day or a fixed ₹1000 charge. Never miss a date.

3. Convenience Fee: Sometimes, paying via the app incurs a small gateway fee.

Part 9: Frequently Asked Questions (FAQ)

Q1: Can students get a loan from Kissht?

Technically, you need to be 21+. However, if you are a student with a part-time income and bank statement, you can get approved. For purely student loans (pocket money), apps like mPokket are better suited.

Q2: Will Kissht call my relatives if I don’t pay?

No. Legitimate RBI apps like Kissht are not allowed to harass your contacts. However, their recovery agents will call you repeatedly. If they cross the line, you can complain to the RBI Ombudsman.

Q3: Does Kissht increase Credit Score?

Yes! Since they report to CIBIL, if you pay on time, your score goes up fast. If you default, your score crashes.

Q4: How to close the Kissht account?

Clear all your dues first. Then, email care@kissht.com requesting account closure and NOC (No Objection Certificate).

Final Verdict: Should You Download It?

Pros:

✅ Super fast approval (perfect for emergencies).

✅ Works for low CIBIL score holders.

✅ Scan & Pay feature is very convenient.

Cons:

❌ Interest rate is higher than banks (18-36%).

❌ Processing fees can be high.

❌ Aggressive follow-up for repayment.

My Advice: Use Kissht only for emergencies or for buying gadgets on EMI if you don’t have a Credit Card. Do not use it for luxury expenses or gambling, as the interest rate is high.

Borrow Smart, Repay Faster.

External Links for Official Information

• Official Website: Visit Kissht.com for terms and conditions.

• Android App: Download directly from Google Play Store.

• Customer Care: Email at care@kissht.com or call 022-62820570.