Kissht offers personal loan interest rates starting from 1% per month. The rates are set after factoring in the credit score, loan amount, monthly income, tenure and lender’s policies.
Kissht Loan
15.6L Reviews
Wide Choice
Curated offers from 30+ lenders
Quick Disbursal
Money in your account instantly
SmartMatch
Offers ranked according to eligibility
Digital Process
Hassle-free & paperless

Find Best Personal Loan Offers
Compare & Choose the Best Offer
Pre-approved Offers with Instant Disbursals
Know Your Chances of Approval
End-to-End Digital Process
How Can I Apply for a Personal Loan Online?
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
Kissht Personal Loan Interest Rates 2026
Personal Loan Interest Rates by Top Lenders - Comparison Table
| Bank/NBFC | Interest Rates (% p.a.) | Processing Fees |
|---|---|---|
| Aditya Birla Finance | 10.99 onwards | Up to 4% |
| Axis Bank | 9.99 onwards* | Up to 2% |
| Bank of Baroda | 10.15-18.00 | Up to 2% (Max. Rs. 10,000) |
| Bajaj Finance Limited | 10.00-30.00 | Up to 3.93% |
| Bank of India | 10.85-16.15 | Up to 1% (Min. Rs. 250; Max. Rs. 15,000) |
| Bank of Maharashtra | 8.75-13.55 | Up to 1% (Max. Rs. 10,000) |
| Canara Bank | 9.70-15.15 | Up to 0.5% (Max. Rs. 5000) |
| Central Bank of India | 9.85-11.65 | Up to 1% |
| Cholamandalam IFC | 10.00-28.00 | 4% - 6% |
| Dhani Loans & Services Ltd. | 13.99 onwards | 3% onwards |
| Federal Bank | 12.00 - 22.50* | Up to 2% |
| HDB Financial Services | 10.00 - 35.00 | Up to 5.90% |
| HDFC Bank | 9.99 onwards | Up to Rs 6,500 |
| Hero Fincorp | Up to 30* | 2.3% - 3% |
| HSBC Bank | 9.75 onwards | Up to 2% |
| ICICI Bank | 9.99 onwards | Up to 2% |
| IDFC FIRST Bank | 9.99 onwards | Up to 2% |
| IIFL Finance | 12.00 - 28.00 | 2% - 9% |
| Indian Overseas Bank | 10.25 onwards | Up to 0.75% |
| IndusInd Bank | 10.35 onwards* | Up to 3.5% |
| Kotak Mahindra Bank | 9.98 onwards* | Up to 5% |
| L&T Finance | 11.00 onwards | Up to 3% |
| Mahindra Finance | 8.00 - 25.00 | 2% of loan amount or Rs. 5,000, whichever is lower |
| Mannapuram Finance | 18.00 - 24.00 | 1% of loan amount |
| Moneyview | 14.00 onwards | 2% onwards |
| Muthoot Finance | 13.50 onwards | Varies for each application |
| Piramal Finance | 12.14 onwards | Up to 5% |
| Poonawalla Fincorp | 9.99 onwards | Up to 3% |
| Punjab & Sind Bank | 9.60-13.85 | 0.50% - 1% |
| Punjab National Bank | 10.25-16.80 | Up to 1% |
| Shriram Finance | 11.00 onwards | Up to 5% |
| Tata Capital | 10.99 onwards | Up to 3.5% |
| UCO Bank | 9.95 - 13.20 | Up to 1% (Min. Rs. 750) |
| Union Bank of India | 8.75 - 12.55 | Up to 1% (Max. Rs. 7,500) |
*Paisabazaar special rates
Note: Rates as of 1st June 2026
Kissht Personal Loan Eligibility Criteria
Below-mentioned is the eligibility criteria for Kissht personal loan applicants.
Individuals can also check their Kissht personal loan eligibility using Paisabazaar’s Personal Loan Eligibility Calculator to increase their chances of loan approval.
Documents Required for Kissht Personal Loan
Below-mentioned are the documents required by the lender during the loan application:
Avail Personal Loan for
All Your Needs

Avail Personal Loan for
All Your Needs
Kissht Personal Loan EMI Calculator 2026
EMI calculators are financial tools that are used to assess the loan affordability of individuals even before a loan application. It evaluates the EMIs and total interest cost payable over the loan tenure. Prospective borrowers can use Paisabazaar’ s Personal Loan EMI Calculator to calculate the total loan cost. The personal loan EMI calculator works in the following manner:
The personal loan EMI calculator at Paisabazaar comes with the following features:
How to Apply for a Kissht Personal Loan Online
You can apply for a personal loan online through Paisabazaar in the following steps:
- Download and register on the Paisabaaar app
- Login and go to the dashboard
- Click on “Personal Loans”
- The app analyses your credit report
- Curated offers from multiple lenders are displayed on the screen
- Check the details for the Kissht personal loan and apply
Compare Kissht vs. KreditBee vs. Navi vs Fibe
| Features | Lenders | |||
|---|---|---|---|---|
| Kissht | KreditBee | Navi | Fibe | |
| Interest rate | 1% per month onwards | 12.00% p.a. onwards | Up to 29.96% p.a. | 18.00% p.a. onwards |
| Loan amount | Rs. 5 lakh | Rs. 10 lakh | Up to Rs. 20 lakh | Rs. 10 lakh |
| Loan tenure | Up to 6 years | Up to 5 years | Up to 7 years | Up to 3 years |
| Disbursal time | In minutes | In minutes | Instant | In 2 minutes |
Not sure which loan app is right for you? Compare Kissht, KreditBee, Navi, and Fibe side-by-side on Paisabazaar and choose the option that best fits your needs. You can check key details in one place and apply online in just a few clicks without affecting your credit score.
Expert Tips to Secure Instant Kissht Loan Approvals
How Can I Apply for a Personal Loan Online?
Get up to ₹40 Lakh in 5 Simple Steps
Step 1: Enter your mobile number in the application form
Step 2: Provide your personal details
Step 3: Enter OTP to verify your mobile number
Step 4: Select the loan purpose and loan amount
Step 5: Compare offers and apply for the best-suited loan
Explore Our Personal Loan Lenders
Avail Personal Loan for
All Your Needs

Avail Personal Loan for
All Your Needs
FAQs
What is the minimum CIBIL score required for a Kissht personal loan?
Kissht has not disclosed the minimum CIBIL score required to avail a personal loan. However, applicants with a credit score of 760 and above usually have higher chances of getting their loans approved.
What is the minimum income required for a personal loan from Kissht?
Kissht has not disclosed the minimum income required to avail a personal loan. However, lenders usually consider applicants with their EMI/NMI ratio below 55% eligible for personal loan applications.
What are the current Kissht personal loan interest rates for 2026?
Kissht offers personal loan interest rates starting from 1% per month depending on the credit profile of the applicant.
Is it possible to secure a Kissht personal loan without any salary slips?
Kissht assesses the loan application of the applicant and confirms if salary slips are required or not. Income proof is usually not necessary for smaller loan amounts.
What is the estimated monthly installment for a Rs. 5 Lakh personal loan availed @ 9% p.a. for 5 years?
The estimated monthly installment for a Rs. 5 Lakh personal loan availed @ 9% p.a. for 5 years Rs. 10,379.
What are the foreclosure charges on a personal loan from Kissht?
Kissht has not mentioned its foreclosure charges. However, the foreclosure charges for personal loans usually range up to 4%.
Can I take two personal loans at the same time through the app?
Yes, you can take two personal loans at the same time through the app. However, it is advised not to apply for multiple loans in a short span to protect the credit score.
Personal Loan Articles
View All ArticlesPaisabazaar is a loan aggregator and is authorized to provide services on behalf of its partners.
The APR (Annual Percentage Rate) of a personal loan is its annualised cost of borrowing, which includes the interest rate as well as the processing fees, documentation fees and other fees charged during the loan origination. The APR is expressed in the form of a percentage and thus, allows personal loan applicants to detect personal loan schemes offered at lower interest rates but with higher processing fees and/or other charges.
The APR of personal loans usually ranges between 11.29% to 35%. For example, assume that you have availed a personal loan of Rs. 5 lakhs @ 10.50% p.a. with a repayment tenure of 5 years. The processing fee charged for this loan is 1.5% of the loan amount, which amounts to Rs 7,500. Therefore, the total borrowing cost of your personal loan will be Rs 1,52,317 and its APR will be 11.16%.
Address: Paisabazaar Marketing & Consulting Pvt. Ltd. 135 P, Sector 44, Gurugram (HR) 122001
Check Best Personal Loan Offers
with Quick Disbursal









