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Kissht

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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。


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Kissht - EMI without credit card - 0% EMI Finance

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