Short answer: Both advertise from 12% a year. Kissht suits self-employed and small business borrowers, with loans from ₹15,000 and tenures up to 60 months, but it does not publish a general fee rate. KreditBee lends from ₹3,000 with a stated fee of up to 4.7% and a ₹10,000 income bar.
Last verified: 12 October 2026 from each company’s official website and, where marked, its Google Play listing. Rates and fees change; the lender’s Key Fact Statement (KFS) and loan agreement decide your actual terms. FundsTiger does not rank lenders.
Kissht vs KreditBee at a glance
| Kissht | KreditBee | |
|---|---|---|
| Type | Loan app (Si Creva Capital, an RBI-registered NBFC, plus partner lenders) | Loan app (Krazybee Services, an RBI-registered NBFC, plus partner lenders) |
| Loan amount | ₹15,000 to ₹5 lakh (website) | ₹3,000 to ₹10 lakh |
| Interest rate | From 1% a month (12% a year) | 12% to 27.5% a year (website); 12% to 28.5% (Google Play) |
| APR | 17% to 45% (Google Play) | 17% to 50% (Google Play) |
| Processing fee | No general rate published; the Google Play example shows ₹8,850 incl. GST on ₹1,25,000 (6% + GST) | Up to 4.7% + GST |
| Tenure | 6 to 60 months | 3 to 60 months |
| Minimum income | Not stated | ₹10,000 a month (household income above ₹25,000) |
| Who can apply | Salaried, self-employed, small business owners | Salaried (2+ months in current job); self-employed options linked |
| Age | 21 to 60 | 21 to 60 |
| Prepayment and foreclosure | Contact support for charges; no figure published | Foreclosure up to 5% of principal outstanding + GST; part-prepayment up to 5% of amount prepaid + GST |
| Product | Term loan (EMI); also business loans and loan against property | Term loan (EMI) |
| RBI-regulated lenders | Si Creva Capital Services, MAS Financial Services, Northern Arc Capital, Piramal Capital & Housing Finance, SMFG India Credit | Krazybee Services, PayU Finance India, Oxyzo Financial Services, Vivriti Capital, Cholamandalam Investment and Finance, Kisetsu Saison Finance, Tata Capital, Northern Arc Capital, Piramal Finance, MAS Financial Services, Mirae Asset Financial Services, Aditya Birla Capital |
| On RBI’s digital lending app list | Yes: 7 RBI-regulated lenders list it; 5Cr+ installs, rated 4.9 | Yes: 15 RBI-regulated lenders list it; 10Cr+ installs, rated 4.6 |
| Also worth knowing | Serves self-employed and MSME borrowers; Digital KYC with PAN and Aadhaar | Says low-CIBIL applicants may qualify; Penal charge 36% a year on overdue principal (2 to 180 days) |
Install counts and ratings are from Google Play, as recorded on RBI’s digital lending app list check of 5 October 2026.
What a ₹50,000 loan over 12 months would cost
We costed the same loan on each lender’s advertised figures, using the standard reducing-balance EMI formula and adding 18% GST to fees where the lender quotes them before tax. The lowest advertised rate is usually for the strongest credit profiles; many borrowers are offered more.
| Lender | Scenario | Rate a year | EMI | Total interest | Fee incl. GST | Total cost |
|---|---|---|---|---|---|---|
| Kissht | Lowest advertised rate, Play example fee | 12% | ₹4,442 | ₹3,309 | ₹3,540 | ₹6,849 |
| KreditBee | Lowest advertised rate | 12% | ₹4,442 | ₹3,309 | ₹2,773 | ₹6,082 |
| KreditBee | Highest advertised rate (website) | 27.5% | ₹4,813 | ₹7,757 | ₹2,773 | ₹10,530 |
Try your own numbers in our personal loan EMI calculator. For loans quoted only as APR, the APR already includes fees, so the total is an estimate.
Key differences
- Smallest loan: ₹3,000 at KreditBee; ₹15,000 at Kissht (its Play listing gives lower minimums).
- Fees: KreditBee states up to 4.7% + GST. Kissht’s Play example works out to about 6% + GST.
- Self-employed: Kissht lists self-employed, small business owners and MSMEs; KreditBee’s main loan is for salaried people, with separate self-employed options.
- Foreclosure: KreditBee publishes up to 5% + GST; Kissht asks you to contact support.
Which should you choose?
Kissht may suit you if you run a small business or are self-employed and also want business loan options in the same app.
KreditBee may suit you if you need a small amount under ₹15,000, or want the fee and foreclosure charges in writing before you apply.
Whichever you pick, compare the APR in the KFS you are actually offered, not the advertised starting rate.
Before you apply
- Find the lender’s name in the app and check it on RBI’s list of digital lending apps or our RBI-registered NBFC search.
- Read the Key Fact Statement (KFS) before you accept. It must show the APR, every fee and the total you will repay.
- Never pay a fee before the loan is disbursed. Regulated lenders deduct fees from the loan or add them to the EMI.
- Apply to one or two lenders, not ten. Each application is a hard enquiry on your credit report.
- Check that the EMI fits your budget with our FOIR calculator.
Want to see offers from several RBI-regulated lenders in one place?
Frequently asked questions
Does Kissht charge a processing fee?
Yes. Kissht does not publish a general rate, but its Google Play example shows ₹8,850 including GST on a ₹1,25,000 loan, about 6% + GST.
Is Kissht an NBFC?
Kissht is an app. Loans come from RBI-registered lenders including Si Creva Capital Services and other partner NBFCs listed on its site.
Are these lenders RBI-regulated?
The loans described here are given by RBI-registered NBFCs or banks named in the table. Check the lender named in your loan agreement on RBI’s digital lending app list.
Where do these figures come from?
From each company’s official website and, where noted, its Google Play listing, checked on 12 October 2026. Where a company’s own pages disagree, we show both figures.
Sources
- Kissht website
- Kissht FAQ
- Kissht on Google Play
- KreditBee personal loan page
- KreditBee on Google Play
Read more: Kissht app review · KreditBee app review · All loan app reviews · Lender directory
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Disclosure: FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. This article is general information, not financial advice. Read your loan agreement and KFS before you decide.