What Are the Documents Required for Personal Loan from Kissht?

Know the exact documents required for a personal loan from Kissht to ensure that your application is processed smoothly and without delays.

Getting a personal loan can provide necessary funds for various needs, from unexpected medical bills to important life events. Digital lending platforms have made accessing credit faster and more convenient than ever before. Kissht is one such platform in India, offering personal loans through a streamlined online process. 

While digital applications simplify many steps, providing the correct documents remains a crucial part of the process. Knowing the exact documents required for personal loan from Kissht beforehand can help ensure your application is processed smoothly and without delays. 

The Digital Convenience with Kissht

One of the advantages of applying for a Kissht Personal Loan through their platform is the ease of document submission. Instead of physically visiting a branch or submitting paper copies, you can typically upload scanned documents or clear photos directly through their mobile application or website. This digital process makes it quicker and more convenient for applicants, speeding up the initial verification steps. 

Documents Required for Kissht Personal Loan

Kissht minimises paperwork, but you still need to submit essential documents for verification. Below is the complete checklist of documents required for personal loan applications. 

1. Essential KYC Documents

These are the primary documents you have to submit when you apply for a personal loan: 

• Aadhaar Card: Used for both identity and address proof as well as digital KYC

• Selfie Verification: A live selfie ensures biometric match with your Aadhaar profile

• PAN Card: Mandatory for tax compliance and identity confirmation

2. Identity & Address Proof

Beyond Aadhaar and PAN, you may need to provide one of the following for address proof: 

• Utility bill (electricity, water or gas) not older than three months

• Passport or driver’s licence copy

3. Income Proof

Income verification depends on your employment type and loan amount:

• Salaried Applicants: Latest three months’ salary slips or Form 16

• Self-Employed Applicants: Audited financial statements or last year’s ITR acknowledgement

• Bank Statements: Last six months’ statements, especially for high-value loan requests

4. Additional Documents

Depending on individual circumstances, Kissht may request extra documents:

• Work Profile Evidence: Employment offer letter, appointment letter or business registration certificate

• Credit Bureau Reports: If you have existing loans, brief statements help assess your repayment history

• Guarantor Documents: In rare cases, for enhanced credit limits, a guarantor’s ID and address proofs may be required

Tips to Prepare Your Documents

1. Ensure Clarity: Scan documents in high resolution so text is legible and edges are visible.

2. Use DigiLocker: Link your Aadhaar and PAN through DigiLocker for instant digital KYC, avoiding manual uploads.

3. Check Validity: Confirm that address proofs are not older than three months to meet compliance.

4. Organise Files: Name your files clearly (e.g., “PAN_FirstName_LastName.pdf”) to streamline the upload process.

5. Verify Bank Details: Double-check your account number and IFSC code when linking your salary or primary account. 

How to Submit The Required Documents

1. Open Kissht App: Download from google Play or App Store and register with your mobile number.

2. Complete Basic Details: Enter name, date of birth, address and employment data.

3. Digital KYC: Authorise DigiLocker to fetch Aadhaar and PAN automatically.

4. Upload Selfie: Capture a live selfie; follow on-screen guidance for proper framing.

5. Supplementary Uploads: If requested, attach salary slips, bank statements or other additional proofs.

6. Review and Submit: Verify all entries, then submit for instant processing. 

Alternatives to Check Documents Required

Remember that the abovementioned list covers the typical documents only; specific requirements can sometimes vary based on the applicant's profile or changes in policy. It is always best to refer to Kissht's official website or mobile application for their most up-to-date and detailed list of documents required for personal loan. 

You can also check online financial marketplaces, like Bajaj Markets, for details on the eligibility criteria and documents required for a personal loan from various providers. Such digital platforms and loan apps often provide detailed comparisons on a wide range of personal loans, along with a simplified online application process. 

How to Apply Online for a Kissht Personal Loan

Follow these quick steps to easily apply for a personal loan from Kissht on Bajaj Markets: 

1. Open the Kissht Personal Loan page on Bajaj Markets and tap the ‘Apply Now’ button.

2. Next, enter your professional and personal information as prompted on screen. 

3. Then, choose Kissht from the list of available lenders.

4. Specify the loan amount you need and select your preferred repayment tenure. 

5. Finally, click ‘Submit’ to forward your application for review. 

Why Choose Bajaj Markets for a Kissht Personal Loan

Choosing to apply through Bajaj Markets can offer you several advantages: 

• High Loan Amount: Access up to ₹4 Lakhs instantly through this platform.

• Affordable Rates: Benefit from interest rates starting at just 14% p.a.

• Flexible Tenure: Select repayment tenures of up to 24 months for better affordability.

• Simple Process: Enjoy a seamless, secure, and fully digital application.

• Fast Disbursal: Receive your funds within minutes of approval for urgent needs.

Conclusion

Getting a personal loan involves providing essential documentation to help the lender assess your application. For a Kissht Personal Loan, the process is designed to be digital and efficient. By ensuring you have the correct documents required for personal loan ready to significantly speed up the application and verification stages. 

Crucial documents include your identity proof (PAN, Aadhaar), address proof, and recent bank statements. Being prepared with accurate and clear documents is a vital step towards a smooth and successful personal loan experience with Kissht.