Kissht Review
Personal loan app with amounts up to Rs 5 lakh and flexible EMI options.
Kissht is a fast, app-based lender offering personal loans up to ₹5 lakh, with lending run through Si Creva Capital, an RBI-registered NBFC whose listed parent completed an IPO in 2026. Approval and disbursal happen in minutes.
This review covers what a Kissht loan really costs beyond the 14% floor, the facts of its brief 2023 app ban (and quick restoration), and the recovery and fee complaints worth knowing.
Quick Facts
4.4★ · 3.5L
Play Store
₹5L
Max Loan
14.00% – 30.00% p.a.
Interest Rate
Within minutes
Disbursal
3 – 60 months
Tenure
Up to 5% of loan amount
Processing Fee
Rs 15,000 per month
Min Income
Play Store rating sourced from Google Play, as of 18 Jun 2026. Other figures from the lender's official disclosures.
Our Ratings
App-based KYC with disbursal typically within minutes of approval.
A 14% floor for top profiles, but rates commonly run into the high-20s/30s plus an up-to-5% upfront fee.
A capable app, though some users report disbursal being placed on hold after approval.
Some users report aggressive recovery, steep late fees and unhelpful support.
Lending is by Si Creva, an RBI-registered NBFC with a listed parent — but with a 2023 app-ban episode on record.
Loan Details & Charges
Eligibility Criteria
What It Actually Costs
Illustrative at a ~24% rate. The fee is deducted upfront, so you receive about ₹94,100 of the ₹1,00,000. Your actual rate (14%–30%) depends on your profile — confirm before borrowing.
Try the Kissht EMI calculatorPros
- Lends up to ₹5 lakh over tenures to 60 months — more than most app lenders
- Fast, app-based KYC and disbursal within minutes
- Lending is by Si Creva Capital, an RBI-registered NBFC with a listed parent
- Repeat top-ups for borrowers who repay on time
- Accepts CIBIL from 650 and income from ₹15,000/month
Cons
- The 14% floor is a best case — most borrowers see the high-20s to 30s
- A processing fee up to 5% is deducted upfront, raising the effective cost
- Some users report aggressive recovery and steep late fees, even for short delays
- Disbursal can be placed on hold after approval, with inconsistent timelines
- Concerns about app permissions and contact access
Our Verdict
Kissht is a legitimate, RBI-regulated lender — loans run through Si Creva Capital, an NBFC whose parent (OnEMI Technology Solutions) is now publicly listed. It disburses fast and lends up to ₹5 lakh over long tenures, which makes it more flexible than many micro-loan apps. Two things to weigh. First, the 14% headline is a best case; most borrowers see the high-20s to 30s once risk pricing and an up-to-5% upfront fee are counted. Second, Kissht was briefly caught in a February 2023 government app-block (over alleged Chinese links and recovery complaints) and restored within days — a resolved episode, but part of its history. Some users still report aggressive recovery and steep late fees, so go in informed.
Who Kissht suits
Look elsewhere if
Things to Watch
- The 14% rate is a best case for top profiles; rates commonly run into the high-20s/30s plus an up-to-5% upfront fee — confirm your actual rate and net disbursal
- Some users report aggressive recovery and steep late-payment charges, even for a one-day delay
- Kissht was briefly blocked in a February 2023 government app-ban (over alleged Chinese links and recovery complaints) and restored within days — a resolved episode, but worth knowing
How to Apply for Kissht
- 1
Register in the app
Download Kissht, register with your mobile number, and verify with OTP.
- 2
Enter your details
Provide personal, employment and income details and grant the required permissions.
- 3
Complete e-KYC
Verify Aadhaar and PAN and complete bank verification; review the sanction letter (rate and fee).
- 4
Receive funds
On approval, funds are disbursed to your bank account, typically within minutes.
Documents Required
What Real Users Say
Kissht's app (package com.fastbanking) reports installs in the millions; verify the live Play Store rating before relying on a specific figure.
Reviews praise speed but flag cost, late fees and recovery conduct.
What users love
Borrowers praise fast approval and disbursal, simple KYC, and repeat top-ups for good repayers.
Common complaints
Some users report aggressive recovery, high upfront fees and steep late charges, and disbursal held after approval.
How Kissht Compares
vs KreditBee — KreditBee skews to smaller-ticket, thinner-file borrowers; Kissht offers higher ceilings and longer tenures for stronger profiles.
vs MoneyView — MoneyView is often cited for clearer fee structuring; Kissht can disburse fast but with heavier upfront fee deductions.
vs LazyPay — LazyPay centres on pay-later and short credit; Kissht is a full personal-loan product — both were caught in the same 2023 app-block and restored.
How we tested
We reviewed Kissht's published rates and eligibility, confirmed its lender (the RBI-registered NBFC Si Creva Capital) and its parent's 2026 listing, verified the February 2023 app-ban-and-restoration via dated press coverage, and read recent borrower feedback. The exact upper rate and fee vary by source; conduct complaints are user-reported. Confirm your sanction letter before borrowing.
Frequently Asked Questions
Is Kissht safe and RBI-approved?
Was Kissht banned by the government?
What is the real interest rate and total cost on a Kissht loan?
How much can I borrow from Kissht and for how long?
How fast is disbursal and what documents do I need?
Compare With
Compare AppsKissht Tools
All Loan App Reviews
See how Kissht stacks up against every other instant loan app we've reviewed — compare ratings, max loan and rates side by side.
| Rank | App | Rating | Max Loan | Rate | Review |
|---|---|---|---|---|---|
| 1 | Bajaj Finserv | 4.6 | ₹55L | 10.00% – 31.00% p.a. | Read Review |
| 2 | Navi | 4.6 | ₹20L | 9.90% – 29.00% p.a. | Read Review |
| 3 | KreditBee NBFC lending partners | 4.5 | ₹10L | 12.00% – 28.50% p.a. | Read Review |
| 4 | MoneyView NBFC lending partners | 4.5 | ₹10L | 14.00% – 24.00% p.a. | Read Review |
| 5 | Home Credit | 4.5 | ₹4.8L | 19.20% – 44.00% p.a. | Read Review |
| 6 | Fibe NBFC partners | 4.5 | ₹10L | 18.00% – 36.00% p.a. | Read Review |
| 7 | Piramal Finance | 4.5 | ₹5L | 12.99% – 24.00% p.a. | Read Review |
| 8 | True Balance NBFC partners | 4.5 | ₹2L | 28.80% – 36.00% p.a. | Read Review |
| 9 | mPokket NBFC partners | 4.4 | ₹2L | 22.00% – 36.00% p.a. | Read Review |
| 10 | LazyPay NBFC partners | 4.4 | ₹5L | 18.00% – 32.00% p.a. | Read Review |
| 11 | Kissht NBFC lending partners | 4.4 | ₹5L | 14.00% – 30.00% p.a. | You're here |
| 12 | Freo NBFC partners | 4.4 | ₹5L | 13.00% – 36.00% p.a. | Read Review |
| 13 | Nira NBFC partners | 4.4 | ₹1L | 24.00% – 36.00% p.a. | Read Review |
| 14 | CASHe NBFC partners | 4.3 | ₹3L | 33.50% – 36.00% p.a. | Read Review |
| 15 | FlexSalary NBFC partners | 4.3 | ₹2L | 18.00% – 42.00% p.a. | Read Review |
| 16 | OLYV NBFC partners | 4.3 | ₹5L | 18.00% – 36.00% p.a. | Read Review |
| 17 | Stashfin NBFC partners | 4.2 | ₹5L | 11.99% – 59.99% p.a. | Read Review |
| 18 | PayRupik NBFC partners | 4.2 | ₹2.5L | 20.00% – 36.00% p.a. | Read Review |
| 19 | HDFC Insta Loan | 4 | ₹40L | 9.99% – 24.00% p.a. | Read Review |
| 20 | ICICI Bank Personal Loan | 4 | ₹50L | 9.99% – 24.00% p.a. | Read Review |
| 21 | Axis Bank Instant Loan | 4 | ₹40L | 9.99% – 21.55% p.a. | Read Review |