Kissht is a financial technology platform that offers instant personal loans ranging from ₹30,000 to ₹5,00,000 through a fully digital process, enabling disbursement within five minutes and requiring no physical documentation. The platform addresses the need for quick and accessible credit solutions for consumers, facilitating direct bank transfers to enhance financial flexibility.
Funding
$137.7M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
BIVGFounders
Product
Problem
Many individuals and small business owners in India lack access to quick and convenient credit solutions, especially when facing unexpected expenses or seeking capital for growth. Traditional loan application processes often involve extensive paperwork and lengthy approval times, creating barriers for those needing immediate financial assistance.
Solution
Kissht offers a fully digital lending platform that provides instant personal and business loans ranging from ₹30,000 to ₹5,00,000. The platform streamlines the loan application process, enabling users to apply for and receive funds within minutes, directly to their bank accounts. Kissht utilizes a 100% digital KYC process for instant credit checks and online loan agreement signing, eliminating the need for physical documentation. The company partners with RBI-registered NBFCs to provide secure and transparent lending services with flexible repayment plans and competitive interest rates.
Target Audience
Kissht primarily targets salaried and self-employed individuals, as well as small business owners in India, who require quick access to funds for personal or business needs.
Features
- Instant personal and business loans up to ₹5,00,000
- 100% digital KYC process for quick credit checks
- Loan disbursement within 5 minutes
- Direct transfer of funds to the user's bank account
- Flexible repayment options with tenures up to 36 months
- Competitive interest rates and transparent terms with no hidden charges
- Expense tracker feature to analyze spending habits
- Integration with RBI-registered NBFCs for secure transactions