Offering Unsecured and Secured Loans

11M+

Customer Base

*As of December 31, 2025

4.6★

Rated on Playstore

*As of March 31, 2026

ABOUT KISSHT

Kissht is a technology-enabled lender in India, primarily offering digital loans through its mobile application for various consumption and business needs. We provide swift, accessible and personalized credit solutions to support our customers throughout their financial journeys.

Launched by OnEMI Technology Solutions Limited (formerly OnEMI Technology Solutions Private Limited), Kissht offers personal loans of up to ₹5 lakh and loan against property of up to ₹30 lakh. We are focused on young individuals within the mass market segment, which represents India’s emerging middle class and is aspirational, digitally connected and underpenetrated in credit.

We utilize advanced data analytics, artificial intelligence and machine learning led statistical models across our processes from making credit decisions to collections.

Our founders and Promoters, Ranvir Singh and Krishnan Vishwanathan each have over 18 years of experience in financial services, respectively, particularly in risk management across data analytics and collections. Global investors, such as Vertex Growth Fund and other leading venture capital firms have invested in Kissht.

Kissht is now bringing its expertise in digital personal lending to digital secured loans - offering Loans Against Property with the same instant and hassle-free experience as personal loans.

At Kissht, employees are at the core of its success. We are committed to fostering an entrepreneurial, data-driven and innovative workplace culture that values diversity. We provide equal employment opportunities to all individuals. invest in the continuous learning and development of our employees through in-house and external training programs designed to enhance both technical and soft skills, tailored to the functions and responsibilities of each role.

Meet our Founders

Ranvir Singh

Chairman, Chief Executive Officer and Executive Director

At Kissht, we believe that financial access should not be a privilege but a fundamental right. Our goal is to bridge the gap between individuals and the credit they need—whether it's an instant unsecured loan for immediate expenses or a secured loan like a loan against property for long-term financial goals. We have built Kissht with a strong foundation of trust, innovation, and customer-centricity, ensuring that our lending solutions are fast, transparent, and hassle-free. By leveraging technology and deep industry partnerships, we continue to redefine digital lending, making credit more accessible to millions across India.