Kissht Review — Rates, Eligibility & Safety Check
Last verified: pending first manual verification
Some figures below are pending our manual verification cycle — treat them as indicative bands until marked verified.
OperatorOnEMi Technology Solutions Private Limited
Regulated entity behind the appSi Creva Capital Services Private Limited [VERIFY partner list]
Websitehttps://www.kissht.com
Products & pricing bands
| Tier | Ticket | Tenure | Rate band | Processing fee | APR band | Disbursal | Min income |
|---|---|---|---|---|---|---|---|
| T3 | ₹10,000 – ₹5,00,000 | 120 – 730 days | 14% p.a. – 28% p.a. | 2% – 5% + GST | see KFS | varies | ₹15,000 |
Works well
- Established EMI-loan platform with in-group RBI-registered lending entity
- Serves both salaried and self-employed borrowers
- Repeat-borrower limits scale up with history
Watch out
- Was caught up in the February 2023 government app-blocking episode (later restored) — worth knowing as history even though it operates normally now [VERIFY current status]
- Top-end pricing is well above bank personal loans; compare the KFS APR
- Brand/entity structure (app operator vs lending NBFC) is not obvious to lay users — check the loan agreement entity
Safety checklist
| Names its NBFC partner publicly | ✅ yes |
| Key Fact Statement available | — pending verification |
| Avoids contacts/media permissions | — pending verification |
| Grievance officer named | ✅ yes |
What borrowers complain about
Public reviews commonly reference collection-call frequency and pre-approved-offer spam; the 2023 temporary blocking (reported as a mistaken inclusion, later reversed) still colors public perception. Patterns from press coverage and Play reviews; not independently verified.
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