Startup Originals Team
Kissht, a Mumbai-based digital lending platform, has made a lasting mark on India’s fintech landscape by bringing quick, accessible credit to millions of Indians. Founded in 2015, the company has harnessed advanced technology and customer-centric strategies to close the credit gap faced by underserved individuals and small businesses across the country. From its humble beginnings, Kissht’s journey reflects resilience, innovation, and a deep commitment to financial inclusion.
The Vision Behind Kissht:
Kissht was founded by Ranvir Singh and Krishnan Vishwanathan, both experienced professionals with backgrounds ranging from engineering to prestigious MBAs (IIT Bombay/IIM Bangalore and IIT Delhi/Yale, respectively). Their vision was clear: democratize access to credit for every Indian, especially those overlooked by traditional banking systems. Leveraging AI-driven credit scores and digital processes, Kissht set out to make lending simple, fast, and accessible.
Building a Digital Lending Powerhouse:
Starting with purchase financing and small personal loans, Kissht built a fully digital, scalable platform that quickly gained traction. The company integrated big data analytics, alternative credit scoring, and a custom CRM to streamline approvals and tailor products for customers’ needs. Overcoming early skepticism and technological hurdles, Kissht maintained a strong focus on trust, speed, and transparency. Its offerings include quick personal loans, business loans up to Rs 5 lakhs disbursed in 5 minutes, and loan-against-property solutions.
Financial Growth and Performance:
Despite challenging market conditions, Kissht has reported robust financials. In FY25, the company posted revenue of Rs 1,337 crore and a net profit of Rs 160-161 crore, even as revenue and profit saw a dip from the previous year due to industry slowdowns and regulatory changes. Kissht’s business model draws income primarily from interest on loans and service fees, with a growing focus on longer-tenure and secured lending products. Its assets under management have grown significantly as it pivots toward more sustainable lending.
Expanding Reach and Impact:
Kissht serves millions across metro, semi-urban, and rural India, addressing a huge need in the country’s credit ecosystem. The platform’s focus on underserved communities, fast approval times, and responsible lending has made it a preferred choice for borrowers ranging from tier-III town shop owners to young professionals in big cities.
The Sachin Tendulkar Partnership:
A major milestone in Kissht’s journey is onboarding cricket legend Sachin Tendulkar as both a strategic investor and brand ambassador. Tendulkar’s association reinforces Kissht’s values of trust, aspiration, and integrity, and his involvement is aimed at boosting brand growth and promoting financial inclusivity. This partnership ensures that Kissht continues to expand its reach and build trust across diverse segments of Indian society.
Looking Ahead:
As Kissht readies for its IPO and adapts to an evolving regulatory landscape, its commitment to innovation and customer empowerment remains strong. The company’s story stands as an inspiring example of how technology, vision, and perseverance can help bridge critical gaps in society, creating new opportunities for millions.
