Is Kissht Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-09-01
- ✅ Listed in RBI's DLA directory as “Kissht”
- 🏛️ Deployed by: 6 regulated entities (see below)
- 📧 Grievance officer: care@kissht.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Kissht — What RBI's DLA Directory Records
| Regulated entity | ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) (NBFC) |
| Entity website | https://www.adityabirlacapital.com/loans/our-digital-lending-platform-partners |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
| Regulated entity | MIRAE ASSET FINANCIAL SERVICES (INDIA) PRIVATE LIMITED (NBFC) |
| Entity website | https://www.miraeassetfin.com/ |
| Grievance officer | Mr. Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
| Regulated entity | NORTHERN ARC CAPITAL LIMITED (NBFC) |
| Entity website | https://www.northernarc.com |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
| Regulated entity | PIRAMAL FINANCE LIMITED (FORMERLY KNOWN AS PIRAMAL CAPITAL & HOUSING FINANCE LIMITED) (NBFC) |
| Entity website | https://www.piramalfinance.com/about-us/lending-partners |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
| Regulated entity | SI CREVA CAPITAL SERVICES PRIVATE LIMITED (NBFC) |
| Entity website | https://sicrevacapital.com |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
| Regulated entity | SMFG INDIA CREDIT COMPANY LIMITED (NBFC) |
| Entity website | https://www.smfgindiacredit.com/digital-lending-partner.aspx?tab=loan_details |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
📱 Distributed via: Google Play · iOS App Store
Source: RBI — Digital Lending Apps deployed by Regulated Entities (public directory), checked 2026-09-01. Listings are reported by the regulated entities on RBI's CIMS portal without further validation by RBI — a listing is not an RBI endorsement. Always confirm the lender named inside the app matches the entity above before sharing documents.
Not sure Kissht is your best option?
GoCredit AI compares 100+ RBI-registered lenders for your profile — no CIBIL hit.
Get Real Offers — Free →❓ Quick Answers
Is Kissht loan app safe?
Kissht is listed in RBI's public directory of Digital Lending Apps, deployed by 6 regulated entities including ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) (NBFC). The listing is reported by the regulated entity on RBI's CIMS portal — always confirm the lender named inside the app matches one of these entities before sharing KYC.
Which lender is behind Kissht?
Kissht is deployed by 6 RBI-regulated entities: ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED), MIRAE ASSET FINANCIAL SERVICES (INDIA) PRIVATE LIMITED, NORTHERN ARC CAPITAL LIMITED, PIRAMAL FINANCE LIMITED (FORMERLY KNOWN AS PIRAMAL CAPITAL & HOUSING FINANCE LIMITED), SI CREVA CAPITAL SERVICES PRIVATE LIMITED, SMFG INDIA CREDIT COMPANY LIMITED. Your loan agreement names the specific entity for your loan — check it there.
Kissht customer care / grievance contact?
The grievance redressal officer on record for ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) is Reefat Shaikh — care@kissht.com, 8044745952. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Kissht?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (care@kissht.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
📚 Related
Check Another Loan App →
Instant verdict against RBI's DLA directory.
RBI Complaint (free) →
RB-IOS 2026 — no lawyer needed.
Report a Fake Loan App →
Verify the NBFC + Sachet filing walkthrough.
Low CIBIL Loan Apps →
Lenders that approve below 650.
Compare Kissht vs 100+ Lenders — Free →
Zero CIBIL impact. Real offers in 30 seconds.