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Kissht - EMI without credit card - 0% EMI Finance

Kissht
可信任
114K+下载次数
150.5MB大小
Android Version Icon7.0+
Android版本
2.3.3(03-11-2023)最新版本
5.0
(1 评价)
Age ratingPEGI-3
详情评价版本信息
1/8

介绍 Kissht - EMI without credit card - 0% EMI Finance

Introduction


Kissht is India’s fastest credit app where one can avail purchase financing and revolving line of credit. The purchase financing can be availed for mobile phone, laptop, camera, & many more electronic gadgets. Further, 2 years revolving line of credit can availed, akin to credit card. With Kissht, bid adieu to your financial worries! Get credit with zero collateral and APR ranging from 14% - 31% per annum for a tenure of 3 months to 24 months. Avail any amount starting from Rs. 3,000/- to Rs. 1,00,000/- depending on your eligibility.


Loan Types


1. Online Purchase Loan - Kissht is a one-stop destination to get your desired products like smartphones, laptops, cameras, and any latest electronics on EMI and repay within 3 months to 24 months tenure. This loan can be used to make purchases at Flipkart, Makemytrip, etc.The APR is between 14% and 24%.


2. Personal Loan - Kissht also offers Personal loans for salaried & self - employed

professionals for their various needs. The amount ranges from Rs. 3,000 to Rs.

1,00,000/- with a tenure ranging from 3 months to 15 months, depending on the

person’s eligibility.The APR is between 16% to 28%.


3. Revolving line of credit - Kissht also offers credit limit for 2 years (24 months). This is a revolving credit facility, where the customer can avail the limit seamlessly for next 2 years, till the customer is paying on-time. To incentivize better credit behavior, the customer is offered waivers and reduction in instalment amount for timely payments.The customer can avail upto a credit limit of Rs. 30,000. The APR is between 20% and 31%.


Amount, Tenure, Fees &Charge


Loans range from ₹3,000 to ₹1,00,000 with tenure ranging from 3 months to 24 months. The APR ranges from 16 to 31% depending on the product availed, risk profile, and creditworthiness of the customer. Penalty charges are charged only when a customer defaults or delays their loan repayment schedule in spite of reminders. In addition to it, GST applies as per Indian laws.


APR Examples


1. A new salaried customer (low risk) can avail a loan of ₹30,000 at an interest rate of 18% with a processing fee of ₹750 for a tenure of 12 months. The APR is 22.91%.

Interest Calculation

Loan amount: ₹30,000

Interest Rate: 18% per annum

Tenure: 12 months

Interest Payable: ₹3,005

Equally Monthly Instalments (EMI): ₹2,750 per month


2. Loan Amount: Rs. 20,000 for OnePlus 5 @ 16% interest rate per annum, Tenure of 6 months, Processing fee: Rs. 300. EMI amount: Rs. 3490/month. APR: 21.33%


3. Loan Amount: Rs. 48,000 for iPhone @ 20% interest rate per annum, Tenure of 15 months, Processing fee: Rs.1,200. EMI amount: Rs. 3643/month. APR: 24.03%


4. Customer availing a revolving line of credit of Rs. 25,000 for a period of 2 years. Over a two-year period, the total fees (includes processing fees and a one-time initiation fee) charged is 9%. The interest rate is 18% per annum. The APR for the revolving lines come as 28.54%.


Features


1. 100% online (paperless) process

2. Minimal documentation

3. No Credit Card required

4. No collateral required

5. Secure transaction (128-bit SSL encryption)


Eligibility Criteria:

1. Indian Nationality

2. Minimum age of the applicant should be 21 years

3. Minimum monthly income of Rs. 12,000/-


Documents:

1. Address Proof (either of AADHAR Card/Latest Utility Bill/ Valid Rent Agreement)

2. PAN Card

3. Last 3 Months’ Bank Statement

4. 1 Signed ECS Form for auto-debit


Contact Us


1. For queries regarding your product purchase, feel free to call us on our customer

care number - 022-62820570 or WhatsApp us on - 02248913044

2. You can also write to us at care@kissht.com

简介

 

Kissht是印度最快的信贷应用程序,可以在其中使用购买融资和循环信贷额度。购买融资可用于手机,笔记本电脑,相机和更多电子产品。此外,可以使用类似于信用卡的2年循环信用额度。与基什特(Kissht)一起,消除您的财务担忧! 以零抵押品和APR的方式获得信贷,为期3个月至24个月,年利率范围为14%-31%。从卢比起可获得任何金额。 3,000 /-卢比。 1,00,000 /-取决于您的资格。


贷款类型


1.在线购买贷款-Kissht是一站式服务,使您所需的产品(如智能手机,笔记本电脑,相机和任何最新的EMI电子产品)在EMI上获得还款,并在 3个月至24个月的期限内偿还。可用于在Flipkart,Makemytrip等购物。实际年利率在14%到24%之间。


2.个人贷款-Kissht还提供薪金和自雇人士的个人贷款

专业人士的各种需求。金额从卢比起。 3,000至卢比。

1,00,000 /-,任期从3个月到15个月不等,具体取决于

该人的资格。实际年利率在16%至28%之间。


3.循环信用额度-Kissht还提供 2年(24个月)的信用额度。这是一种循环信用额度,客户可以在接下来的2年内无缝地使用该额度,直到客户正在按时付款。为了激励更好的信用行为,我们为客户提供了免除和减少分期付款金额以及时付款的优惠,客户可以使用最高信用额度Rs。 30,000。 年利率在20%至31%之间。


金额,任期,费用和费用


贷款额为₹3,000至₹1,00,000,任期为3个月至24个月。 APR的范围从16%到31%,具体取决于所用产品,风险状况和客户的信誉度。尽管有提醒,但仅在客户拖欠或延迟其还款时间表时才收取罚款。除此以外,GST还适用印度法律。


APR示例


1.一个新的受薪客户(低风险)可以以18%的利率获得30,000卢比的贷款,并在12个月内获得750卢比的手续费。实际年利率为22.91%。

利息计算

贷款金额:₹30,000

利率:每年18%

任期:12个月

应付利息:₹3,005

平均每月分期付款(EMI):每月₹2,750


2.贷款金额:卢比。 OnePlus 5 20,000美元,年利率16%,任期6个月,手续费:卢比。 300. EMI金额:Rs。 3490 /月。年利率:21.33%


3.贷款金额:卢比。 iPhone 48,000,年利率20%,使用期15个月,手续费:1,200卢比。 EMI量:Rs。 3643 /月。年利率:24.03%


4.客户获得Rs的循环信用额度。 25,000,为期2年。在两年内,收取的总费用(包括手续费和一次性启动费)为9%。利率为每年18%。循环生产线的实际年利率为28.54%。


功能


1. 100%在线(无纸化)流程

2.最少的文档

3.无需信用卡

4.无需抵押

5.安全交易(128位SSL加密)


资格标准:

1.印度国籍

2.申请人的最低年龄应为21岁

3.最低月收入卢比。 12,000 /-


文件:

1.地址证明(AADHAR卡/最新水电费帐单/有效租金协议)

2. PAN卡

3.最近3个月的银行对帐单

4. 1签名的自动转帐ECS表格


联系我们


1.有关您购买产品的疑问,请随时致电我们的客户

护理电话-022-62820570或WhatsApp us on-02248913044

2.您也可以通过care@kissht.com给我们写信。


Kissht - EMI without credit card - 0% EMI Finance - 版本2.3.3

(03-11-2023)
其他版本
新特性1. Minor bug fixes and under the hood improvements

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Kissht - EMI without credit card - 0% EMI Finance - APK信息

APK版本: 2.3.3程序包: com.fastbanking
Android兼容性: 7.0+ (Nougat)
开发商:Kissht隐私政策:https://kissht.com/privacy-policy权限:20
名称: Kissht - EMI without credit card - 0% EMI Finance大小: 150.5 MB下载次数: 5.5K版本: 2.3.3发布日期: 2024-01-16 16:05:42最小屏幕: SMALL支持的CPU: x86, x86-64, armeabi-v7a, arm64-v8a
程序包ID: com.fastbankingSHA1签名: EF:06:C9:7C:CB:BB:C7:3B:37:32:87:07:10:61:19:C8:69:88:40:DC开发商 (CN): Nishant Shah组织 (O): KarmaTechSolutions本地 (L): Mumbai国家/地区 (C): 91州/市 (ST): Maharastra

Kissht - EMI without credit card - 0% EMI Finance的最新版本

2.3.3Trust Icon Versions
3/11/2023
5.5K 下载次数150.5 MB 大小

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2.3.2Trust Icon Versions
15/9/2023
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2.3.1Trust Icon Versions
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29/8/2022
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