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Kissht Business Loan

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Kissht, a digitally enabled platform operated by ONEMi Technology Solutions Pvt. Ltd., provides business loans to self-employed individuals and business enterprises. The business loan products offered by Kissht include line of credit, credit based QR limit and credit for small business purchases. Loan applicants can use the funds procured from the business loan to purchase tools and equipment of their trade, stocking up on their inventory, accepting payments from their customers using the Kissht Credit QR, etc. The business loan schemes offered by Kissht include Kissht Business Loan Line of Credit, Kissht Business Loan Credit based QR limit and Kissht Business Loan Credit for Small Business Purchases. The platform claims to offer business loans with online processing and loan disbursal within 5 minutes.

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Updated: 15-04-2024 10:19:06 AM

Kissht Business Loan Highlights
Interest Rate
  • For loans with tenures of less than 6 months: Up to 45% p.a.
  • For loans with tenures of 6 months and above: Up to 36% p.a.
Foreclosure Charges Nil

Note: Interest rates as of 15th April 2024

Kissht Business Loan Interest Rates

Kissht Business Loan interest rates can go up to 45% p.a. The interest rates for different business loan tenures are as follows:

Loan tenures Interest Rates (p.a.)
Below 6 months Up to 45%
6 months and above Up to 36%
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Fees and Charges for Business Loans from Kissht

The fees and charges for availing Kissht Business Loans are mentioned below:

Fees and Charges for Kissht Business Loans

Particulars Fees and Charges
Foreclosure Charges Nil
Penal Charges Up to Rs 2,000

Kissht Business Loan Eligibility Criteria

Although Kissht has not specified the eligibility criteria for their business loans, lenders usually consider the following parameters for determining the business loan eligibility of their applicants:

  • Number of years of work experience or business operations (from the date of registration),
  • Business turnover and whether the business is profitable
  • Age of the borrower and or/co-borrowers,
  • Type of business (proprietors, LLPs, partnership firms, private limited companies, public limited companies, closely held limited companies etc.)
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Documents Required for Kissht Business Loan

The documents required for availing different types of Kissht business loan schemes are mentioned below:

  • PAN Card
  • Aadhar Card for address proof
  • Cheque
  • Bank statement of 3 months
  • Utility bills (Electricity/Gas/Broadband Internet Bill/Water Bill/Landline Bill)
  • If the address proof is in the name of the business loan applicant’s parent, spouse, sibling or any other family member, they can submit document(s) as relationship proof:
    • Passport
    • Birth Certificate
    • School Leaving Certificate
    • Ration card
    • PAN Card
    • SSC Certificate
    • Aadhar card
    • Marriage Certificate

Note: The lender may ask its business loan applicants to submit additional documents for availing Kissht Business Loan based on their profile.

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