Most Frequently asked Questions 10

• What is the rate of interest charged?
• My EMI payment failed but it got debited from my account? What shall I do now?
• What are the various reasons by which a loan application can get rejected?
• What are the charges for late payment of EMI?
• Can I foreclose my loan?

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Loan Application Documentation FAQs 11

• What are the minimum documents required for loan approval?
• What other documents may be required basis my profile?
• Is Income Proof like a Bank Statement necessary for availing loan?
• Is there a requirement of security/guarantor?
• If I do not possess a PAN Card and have never applied for it, can I still avail loan from Kissht?

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Processing Fee & Interest FAQs 4

• What does processing fee mean?
• Is the processing fee same for all types of product?
• There are many loan companies and everyone has a different processing fee. What is the reason for this difference?
• What is the rate of interest charged?

EMI Payments FAQs 12

• What is an EMI?
• How can I make my EMI payments?
• What will be my EMI amount?
• How will I be intimated about upcoming EMI payments?
• Will late payment of my monthly installments/EMI invite any penalty or charges?

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Loan Application Status FAQs 7

• How do I check the status of my loan application?
• What is the process for loan approval?
• Are there any hidden charges that I should be aware of?
• What are the various reasons by which a loan application can get rejected?
• What can I do if my loan application is cancelled/rejected due to non-eligibility?

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Loan Foreclosure FAQs 4

• Can I pre-pay all my monthly instalments/EMI?
• Can I foreclose my loan?
• Are there any charges for foreclosing my loan?
• How to foreclose my loan if it is financed by other financing partners of Kissht?

Loan Cancellation FAQs 4

• Can I cancel my loan transaction when it is yet to get approved? If yes, how?
• Can I cancel my loan transaction after it is approved and disbursed? If yes, how?
• What is Cooling off period?
• How can I avail Cooling-off period?

Penal Charges FAQs 2

• What are the charges for EMI Auto-Debit Bounce?
• What are the charges for late payment of EMI?

Collection Reminders FAQs 3

• What if I fail to make payment of my outstanding loan amount? How will you contact me for payment reminders?
• Are my family members responsible to make payment on my behalf if I fail to make payment?
• Do your collections agents communicate over Personal WhatsApp or Personal Mobile Numbers calls with customers?

Other General FAQs 5

• Can customers obtain Fair Practices Code, Loan Agreement, Sanction Letter and other loan-related documents in vernacular language?
• How to change the bank details on my ECS mandate?
• How do I file a complaint with Kissht?
• What if I am not satisfied with the response provided by the Customer Service Desk?
• Who are the financing partners of Kissht?

Credit Score FAQs 7

• Do you access my Credit Score?
• What are the different Credit Bureaus that you report my loan data to?
• By what name will my Kissht loan appear in my Credit Report?
• How can I possibly enhance my Loan/Credit Limit?
• How is my Credit Score connected to the loan that I avail on Kissht?

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Privacy & Security FAQs 3

• Can members of my family or my friends call Kissht and get information on my existing loans?
• Is it Safe to link my bank account for Income Verification on the Kissht App?
• Where can I read the Privacy Policy or Report concerns related to Privacy?

Fraud Safeguard FAQs 6

• How to report Fraud cases?
• How to identify & avoid potential Loan Frauds?
• What necessary measures do we take to keep you and your information protected?
• How can Fraud take place?
• How to Protect yourself?

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E-Mandate FAQs 12

• What is an e-mandate registration?
• How does an e-Mandate work?
• What is the limit of E-Mandate?
• How long does the e-mandate process take?
• Does e-mandate cost money?

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