Kissht Loan Repayment

Kissht Ltd., a financial technology company provides a variety of financial options. On the other hand, Shriram Finance offers an integrated platform that makes bill payments simple and safe by utilising the Bharat Bill Payment System (BBPS) streamlining transactions and loan procedures.

About Kissht

Kissht is a financial technology platform that provides instant, seamless credit to consumers for purchasing at digital points of sale (online and offline). Its plug-and-play gateway APIs can be integrated easily into any merchant checkout page or retail POS to provide access to quick loans. It integrates with merchant checkout pages and retail POS systems.

How to Pay My Kissht Loan Repayment on Shriram Finance?

Here is a step-by-step guide to pay your Kissht EMI online through Shriram Finance

1. Visit the Shriram Finance website.
2. Navigate to the main menu and click on "Payments," then opt for "BBPS."
3. Choose the "Financial Services & Tax" category and select "Loan Repayment."
4. Select " Kissht "
5. Enter the loan number and click on "Proceed."
6. Verify if the mobile number is correct and click on "Continue."
7. Enter the 6-digit OTP and click on "Verify and Continue."
8. Review your Kissht loan EMI payment details and click on "Pay."
9. Choose a preferred payment method, enter the required details, and complete the payment.

Why Choose Shriram Finance for Kissht Loan Repayment?

Choosing Shriram Finance for your Kissht Loan repayment comes with several benefits:

1. Convenience: Shriram Finance provides a user-friendly and convenient platform, making it easy to repay your Kissht loan.
2. Quick and Easy: The process is streamlined so that your Kissht loan quick-pay experience is quick and hassle-free.
3. Access to Multiple Services: Shriram Finance offers additional financial services or products, allowing you to access various financial solutions conveniently in one place.
4. Reward Points: Earn reward points on your Kissht Loan repayment with Shriram Finance, which can be redeemed against other bill payments.

How to Download My Kissht Loan Repayment Receipts Online?

Shriram Finance offers two convenient options to download your Kissht loan repayment receipts:

1. New Users: After completing your Kissht loan repayment, click on the 'Download Receipt' button.
2. Existing Users: If you are already a registered user, log in to your Shriram Finance Customer Portal, go to your profile, and then access 'Transaction History.' From there, you can easily select the 'Download Receipt' option.

Benefits of Using Shriram Finance for Kissht Loan Repayment

When it comes to Kissht loan repayments using Shriram Finance, there is a host of benefits:

1. Security: Shriram Finance prioritises the security of your financial transactions, ensuring that your Kissht loan EMI payments online are processed safely and securely.
2. User-Friendly Interface: The platform offers a user-friendly interface, making it easy to navigate and complete your EMI payments conveniently.
3. All-in-One Platform: Shriram Finance provides access to various financial services, apart from making your Kissht loan EMI payment, in one place.
4. Timely Reminders: You can expect timely reminders to pay your Kissht EMI  
   online before due dates, helping you stay on top of your payments and avoid late fees.

How to Check My Kissht Loan Repayments Transaction History?

Shriram Finance offers two convenient options to check your Kissht loan repayment history:

New Users:

a) After completing your Kissht loan repayment, click the 'View Transaction History' button.

b) Sign up using your name, mobile number, email ID, and mPIN.

c) You will be redirected to the Shriram Finance Customer Portal.

d) Go to your profile and click 'Transaction History' to check your Kissht loan repayment history.

Existing Users: If you are already a registered user, log in to your Shriram Finance Customer Portal, go to your profile, and then access 'Transaction History' to check your Kissht loan repayment history.

List of Payment Methods Available for Kissht Loan Repayment on Shriram Finance

Shriram Finance offers convenient online payment options, including debit cards, net banking and much more. For added flexibility, you can also raise collect requests.

What if My Kissht Loan Repayment Fails?

1. Contact the service provider or bank: If your Kissht loan repayment fails, contact the provider or bank associated with the payment.
2. Raise a request: You can also raise a request from the same page using the 'Raise a Request' link in the receipt. 

Alternatively,

• If you are an existing user, you can log in to your Shriram Finance Customer Portal, visit the 'My Profile' section, and then raise a request.
• If you are a new user, sign up using your name, mobile number, email ID, and mPIN. Then, visit the 'My Profile' section to raise a request.
• If you want to raise a request for a specific transaction, you can navigate to "Transaction History" and choose the particular transaction, click on the "Need Help" button, provide the necessary details of failure, and click "Submit".

3. Customer Support: Reach out to our customer support team for assistance, as they can guide you through the troubleshooting process and help you resolve any billing issues.

What if I Don't Make My Kissht Loan Repayment on Time?

Failing to pay your Kissht EMI online on time can result in consequences that may negatively impact your credit score:

Negative Impact on Credit Score: One of the most significant consequences is that your credit score can be negatively affected. Late or missed payments are reported to credit bureaus, which can lower your credit score. A lower credit score can make it more challenging to secure instant loans or credit in the future and may result in higher interest rates.

How to Check My Kissht Loan Repayment Status on Shriram Finance?

Shriram Finance offers two convenient options to check your Kissht loan repayment status:

New Users:

a) Click the "View Transaction History" button after finishing your Kissht loan EMI payment.

b) Register using a name, mobile number, email address, and MPIN.

c) You will be redirected to the Shriram Finance Customer Portal.

d) Visit your profile, select "Transaction History," and check the progress of your most recent Kissht loan repayment. 

Existing Users: If you have already signed up, log in to the Shriram Finance Customer Portal, select your profile, and then access "Transaction History" to see the status of your most recent Kissht loan EMI payment.

Know the Types of Loans Provided by Kissht

Kissht offers various types of loans including:

1. Personal Loans: Instant approval for diverse needs like debt consolidation, medical expenses, home improvement, or travel.
2. Consumer Durable Loans: Financing for purchasing electronic appliances, gadgets, and home essentials.
3. Business Loans: For self-employed and businesses, options include working capital, equipment purchase, or expansion, with choices like the line of credit or credit-based QR limit.
4. Small Business Purchases: Easy financing for business-related purchases with partner stores and flexible EMIs.
5. Purchase Loans: Enables flexible EMIs for substantial purchases such as smartphones, appliances, or furniture at partner stores, even without a credit card.

How to Calculate Kissht Loan Repayments?

Calculating Kissht Loan Repayments is essential to ensure that you have a clear understanding of your financial obligations. Use online EMI calculators or contact Kissht for assistance in calculating your loan EMIs accurately.

What Happens if I Miss an EMI Payment on My Loan?

Missing a Kissht loan repayment on your loan can have various consequences:

1. Late Payment Fee: When you don't make an EMI payment on time, the bank will add a late fee, which is extra money on your regular EMI.
2. Credit Score Impact: Missing payments can lower your score, making it more challenging to get credit cards, loan numbers, or mortgages later.
3. Legal Consequences: If you keep missing payments and become a chronic defaulter, the bank might take legal action against you.
4. Interest Keeps Adding: Not paying your EMI doesn't stop the interest from piling up. Unpaid interest grows, meaning you will owe more in the long term.
5. Future Loan Challenges: Missed payments can damage your credit and make it harder to get loans in the future. If you do get approved, they come with higher interest rates.

Download 'Shriram One' App Now

Experience the ultimate convenience of managing all your bills, recharges, and bookings on the go! Download 'Shriram One' App from the Play Store and App Store, and simplify your life with hassle-free payments at your fingertips.