India has grown into a global financial powerhouse in recent years. Still the regular citizens are struggling with financial restraints. Low wage, taxes and rapid increase in pricing have made daily life tough for the Indian middle-lower middle class.
Based in Mumbai, India’s financial capital, Kissht is a fintech company founded in 2015 by Ranvir Singh and Krishnan Vishwanathan. What started with unsecured personal loans and consumer durable financing has grown into a wider range of digital credit solutions for underserved customers. Kissht solves a very real, modern problem, which is quick access to money when it’s needed most. By offering small to medium loans through a fully digital process with minimal paperwork, Kissht has made borrowing faster, simpler, and far more accessible in today’s India.
Kissht provides personal loans to salaried professionals for various needs such as medical emergencies, travel, weddings, education, or managing monthly expenses. The dynamic loan procedure and minimal interest rate allow individuals to manage short-term cash requirements without the delays and rigid procedures of conventional banks. The digital process enables users to complete their loan journey online, from application to disbursal, within a short span of time.
Kissht also plays a crucial role in supporting small businesses and MSMEs by offering business loans curated to their operational and growth needs. Most of the small enterprises struggle with access to working capital due to limited credit history or lack of collateral. Kissht solves this problem by providing unsecured loans for business with flexible EMIs and extended repayment tenures. These loans offered by Kissht can be used for a variety of purposes, including purchasing inventory, expanding operations, managing working capital, investing in equipment, or meeting seasonal demand.
In addition to unsecured personal and business loans, Kissht also offers secured lending solutions such as Loan Against Property. These options are particularly suitable for borrowers who require higher loan amounts or longer repayment tenures. By using the value of owned property, customers can unlock huge capital at favorable terms while still benefiting from Kissht’s streamlined digital process. This combination of secured lending and technology-driven efficiency makes Kissht a versatile financial partner for diverse borrowing needs.
Technology powers everything at Kissht. Using advanced analytics, and machine-learning credit models, the platform evaluates borrowers quickly and accurately. By looking beyond traditional credit scores, Kissht enables faster, responsible lending and expands access to credit for customers with limited or evolving credit histories. While maintaining strict regulatory compliance, security, and transparency at every stage.
Customer experience remains a central focus for Kissht. The company has invested significantly in building a user-friendly interface that guides borrowers seamlessly through each step of the loan journey. From application and approval to disbursal and repayment, customers are kept informed through clear communication and transparent terms. This clarity helps build trust and empowers borrowers to make informed financial decisions.
Kissht has also gained recognition for its empathetic approach to loan servicing and collections. Rather than adopting a one-size-fits-all method, the company emphasizes respectful engagement and customer support, particularly during challenging financial periods. This approach reflects a broader commitment to responsible lending and long-term customer relationships, setting Kissht apart in a crowded digital lending landscape.
Over the years, Kissht has expanded across India, serving millions of customers from different income groups, professions, and regions. Known for its speed, ease of use, and reliability, the platform has become a trusted name in digital lending. As India moves toward a cashless, tech-driven economy, Kissht plays an important role by solving real credit problems, supporting financial inclusion, helping individuals meet personal goals, and enabling small businesses to grow and compete.
Looking ahead, Kissht remains focused on enhancing its product offerings, strengthening its technology capabilities, and expanding access to credit for underserved segments. With its customer-centric philosophy and commitment to simplicity, Kissht is well-positioned to continue shaping the future of digital lending in India. Whether for salaried individuals navigating life’s expenses or SMBs striving for sustainable growth, Kissht stands as a dependable partner in building financial resilience and opportunity.
