Kissht personal-loan, CKYC and EMI APIs

OnEMI Technology Solutions Limited · Lending 4.9 ★

Kissht: Instant Personal Loans is OnEMI Technology Solutions Limited's India consumer-lending app (Play package com.fastbanking, shipped on the Ideopay / Pay With Ring stack). Borrowers sign in with mobile OTP, Truecaller or an Android PIN, complete PAN and Aadhaar CKYC plus DigiLocker and video KYC, then take an Insta personal loan or a revolving Flexi/Ring limit that spends over UPI, BBPS and a co-branded SBM wallet-card. Home screens surface a bureau credit-score meter, EMI calendar, foreclosure quote, eNACH autopay, a BNPL line, insurance add-ons and CIBIL terms. The Android client is rated 4.9 across about 1.46 million Google Play reviews and competes with Money View, KreditBee, CASHe, EarlySalary and Paytm's personal-loan rail for the same salaried and self-employed Indian borrowers.

CKYC identity rows pin ckyc_kin_number, pan_number and aadhaar_number to the signed-in borrower, and the bureau meter returns credit_score with last_score_updated_at.

Active EMI books expose emi_amount, outstanding_amount and next_emi_date; the Flexi wallet snapshot carries wallet_balance and available_limit. Collections, LOS and treasury teams reconcile disbursals, score-driven offers and eNACH presentations from those objects, and openData Studio turns them into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Send Android PIN OTP
POST /v1/signin/pin-otp/dispatch osint
Sends a login OTP to mobile_number so the Android PIN screen can verify the borrower and mint tokens.
Auth: Unauthenticated; mobile_number in JSON body. Response seeds the PIN-OTP verify call.
- mobile_number
- user_id
- success
- message
- requestId
- responseCode
```
POST /v1/signin/pin-otp/dispatch HTTP/1.1
Content-Type: application/json

{
  "mobile_number": "9876543210"
}
```
```
{
  "success": true,
  "message": "OTP sent",
  "requestId": "req-8f21c0",
  "responseCode": 200,
  "data": {
    "mobile_number": "9876543210",
    "user_id": "USR-10028441"
  }
}
```

Verify PIN OTP

POST /v1/signin/pin-otp/validate osint

Exchanges the PIN OTP for access_token, refresh_token, user_id and customer_id used on later authenticated calls.

Auth: OTP plus mobile_number in the JSON body; response mints access_token and refresh_token.

access_token
refresh_token
auth_token
user_id
customer_id
mobile_number

POST /v1/signin/pin-otp/validate HTTP/1.1
Content-Type: application/json

{
  "mobile_number": "9876543210",
  "otp": "482913"
}

{
  "success": true,
  "message": "verified",
  "requestId": "req-91ab",
  "data": {
    "access_token": "eyJhbGciOiJIUzI1NiJ9...",
    "refresh_token": "rt_9f3a",
    "auth_token": "at_7c2a",
    "user_id": "USR-10028441",
    "customer_id": "CUST-5521",
    "mobile_number": "9876543210"
  }
}

Fetch CKYC record

GET /v1/profiles/kyc-record osint

Returns the signed-in borrower's CKYC identity row: name, father name, PAN, masked Aadhaar, CKYC KIN and registered address.

Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.

full_name
father_name
date_of_birth
gender
pan_number
aadhaar_number
ckyc_kin_number
ckyc_address
pincode
mobile_number

GET /v1/profiles/kyc-record HTTP/1.1
Authorization: Bearer <access_token>

{
  "success": true,
  "data": {
    "full_name": "PRIYA SHARMA",
    "father_name": "RAJESH SHARMA",
    "date_of_birth": "1992-08-14",
    "gender": "F",
    "pan_number": "ABCDE1234F",
    "aadhaar_number": "XXXX-XXXX-3210",
    "ckyc_kin_number": "10001234567890",
    "ckyc_address": "12 MG Road, Bengaluru 560001",
    "pincode": "560001",
    "mobile_number": "9876543210"
  }
}

Fetch bureau credit score
GET /v1/credit/score/current opendata
Reads the bureau meter shown on the credit-score screen: current score, last refresh timestamp and the 300-900 scale bounds.
Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.
- credit_score
- current_score
- last_score_updated_at
- upper_score
- lower_score
- pan_number
- score
```
GET /v1/credit/score/current HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "credit_score": 754,
    "current_score": 754,
    "last_score_updated_at": "2026-10-12T06:40:00Z",
    "upper_score": 900,
    "lower_score": 300,
    "pan_number": "ABCDE1234F",
    "score": 754
  }
}
```

Credit-score history

GET /v1/credit/score/timeline opendata

Pages historical bureau scores that drive the credit-score history chart.

Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.

credit_score
score
last_score_updated_at

GET /v1/credit/score/timeline HTTP/1.1
Authorization: Bearer <access_token>

{
  "success": true,
  "data": [
    {
      "credit_score": 754,
      "score": 754,
      "last_score_updated_at": "2026-10-12T06:40:00Z"
    },
    {
      "credit_score": 741,
      "score": 741,
      "last_score_updated_at": "2026-07-12T06:40:00Z"
    }
  ]
}

List user loans

GET /v1/credit/loans/book openfinance

Returns the borrower's Insta/Flexi loan book: EMI amount, outstanding principal, disbursal amount, next due date and tenure.

Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.

active_loan
loan_status
emi_amount
emi_count
outstanding_amount
principal_amount
disbursal_amount
due_date
next_emi_date
interest_rate
tenure
application_status

GET /v1/credit/loans/book HTTP/1.1
Authorization: Bearer <access_token>

{
  "success": true,
  "data": {
    "active_loan": true,
    "loans": [
      {
        "loan_status": "ACTIVE",
        "emi_amount": 4125.0,
        "emi_count": 12,
        "outstanding_amount": 28750.0,
        "principal_amount": 50000.0,
        "disbursal_amount": 48500.0,
        "due_date": "2026-11-05",
        "next_emi_date": "2026-11-05",
        "interest_rate": 18.5,
        "tenure": 12,
        "application_status": "DISBURSED"
      }
    ]
  }
}

Credit-line offer

GET /v1/credit/line/quote openfinance

Reads the sanctioned Flexi/Insta line offer: offer amount, remaining available_limit, processing fee, ROI and the KFS document link.

Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.

offer_id
offer_amount
pre_offer
available_limit
credit_limit
eligible_credit_limit
processing_fee
interest_rate
roi
tenure
kfs_url

GET /v1/credit/line/quote HTTP/1.1
Authorization: Bearer <access_token>

{
  "success": true,
  "data": {
    "offer_id": "OFF-22016",
    "offer_amount": 80000.0,
    "pre_offer": false,
    "available_limit": 62500.0,
    "credit_limit": 80000.0,
    "eligible_credit_limit": 80000.0,
    "processing_fee": 1999.0,
    "interest_rate": 19.99,
    "roi": 19.99,
    "tenure": 12,
    "kfs_url": "/documents/kfs/OFF-22016.pdf"
  }
}

User basic details

GET /v1/profiles/basic osint

Loads the onboarding profile card: name, PAN, DOB, pincode, employment type and declared monthly income.

Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.

full_name
mobile_number
pan_number
date_of_birth
gender
pincode
employment_type
monthly_income
address

GET /v1/profiles/basic HTTP/1.1
Authorization: Bearer <access_token>

{
  "success": true,
  "data": {
    "full_name": "PRIYA SHARMA",
    "mobile_number": "9876543210",
    "pan_number": "ABCDE1234F",
    "date_of_birth": "1992-08-14",
    "gender": "F",
    "pincode": "560001",
    "employment_type": "SALARIED",
    "monthly_income": 65000.0,
    "address": "12 MG Road, Bengaluru"
  }
}

Flexi wallet balance
GET /v1/wallets/flexi/snapshot openbanking
Reads the SBM/Ring Flexi wallet snapshot used on the home limit card: wallet balance, account number, remaining credit limit and cashback.
Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.
- wallet_balance
- account_balance
- wallet_ac_no
- available_limit
- credit_limit
- cashback_amount
```
GET /v1/wallets/flexi/snapshot HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "wallet_balance": 12450.75,
    "account_balance": 12450.75,
    "wallet_ac_no": "SBM000112233",
    "available_limit": 62500.0,
    "credit_limit": 80000.0,
    "cashback_amount": 210.0
  }
}
```

Initiate repayment

POST /v1/repayments/start openbanking

Starts an EMI or foreclosure repayment and returns the payment-initiation payload: amounts, paymentReferenceNumber, a Razorpay order id and an optional penny-drop payment_link.

Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.

amount
totalPaymentAmount
surchargeAmount
status
paymentReferenceNumber
userReferenceNumber
paymentReceiptMode
razorpayOrderId
payment_link
success
requestId
responseCode

POST /v1/repayments/start HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "amount": 4125.0,
  "paymentMode": 1
}

{
  "success": true,
  "message": "initiated",
  "requestId": "req-pay-44",
  "responseCode": 200,
  "data": {
    "payment": {
      "amount": 4125.0,
      "totalPaymentAmount": 4125.0,
      "surchargeAmount": 0.0,
      "status": "PENDING",
      "paymentReferenceNumber": "PAY-8821",
      "userReferenceNumber": "USR-10028441",
      "paymentReceiptMode": "UPI"
    },
    "razorpay": {
      "razorpayOrderId": "order_M9abc",
      "key": "rzp_live_xxx"
    },
    "pennydrop": {
      "payment_link": "/pay/PAY-8821"
    }
  }
}

Loan penalty details
GET /v1/credit/loans/penalty openfinance
Returns late-fee and overdue amounts attached to the active EMI, used on the penalty / collections card.
Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.
- penalty_charge
- outstanding_amount
- due_amount
- due_date
- loan_status
- emi_amount
```
GET /v1/credit/loans/penalty HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "penalty_charge": 350.0,
    "outstanding_amount": 29100.0,
    "due_amount": 4475.0,
    "due_date": "2026-11-05",
    "loan_status": "OVERDUE",
    "emi_amount": 4125.0
  }
}
```
Calculate foreclosure
POST /v1/credit/loans/closeout-quote openfinance
Quotes the foreclosure payoff: remaining principal, foreclosure fees and the total foreclosure_amount shown on the close-loan screen.
Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.
- foreclosure_amount
- foreclosure_fees
- outstanding_amount
- principal_amount
- interest_rate
- due_date
```
POST /v1/credit/loans/closeout-quote HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "loan_status": "ACTIVE"
}
```
```
{
  "success": true,
  "data": {
    "foreclosure_amount": 30120.0,
    "foreclosure_fees": 499.0,
    "outstanding_amount": 28750.0,
    "principal_amount": 27500.0,
    "interest_rate": 18.5,
    "due_date": "2026-11-05"
  }
}
```

Generate DigiLocker KYC URL

POST /v1/kyc/digilocker/link osint

Mints the DigiLocker authorize URL used on the Aadhaar KYC screen and reports selfie_status / kycStatus for the in-flight journey.

Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.

digilocker_url
selfie_status
kycStatus
consent_type

POST /v1/kyc/digilocker/link HTTP/1.1
Authorization: Bearer <access_token>
Content-Type: application/json

{
  "consent_type": "DIGILOCKER"
}

{
  "success": true,
  "data": {
    "digilocker_url": "https://api.digitallocker.gov.in/public/oauth2/1/authorize?client_id=…",
    "selfie_status": "PENDING",
    "kycStatus": "IN_PROGRESS"
  }
}

List UPI bank accounts
GET /v1/instruments/upi/accounts openbanking
Lists linked UPI bank accounts with masked account_number, IFSC, VPA and the eNACH mandate_reference_number used for autopay.
Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.
- account_number
- ifsc_code
- vpa
- nach_status
- mandate_reference_number
```
GET /v1/instruments/upi/accounts HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": [
    {
      "account_number": "XXXXXX3210",
      "ifsc_code": "HDFC0000123",
      "vpa": "priya@okhdfcbank",
      "nach_status": "ACTIVE",
      "mandate_reference_number": "NACH-4419"
    }
  ]
}
```
BNPL credit lines
GET /v1/credit/bnpl/lines openfinance
Returns the BNPL / Ring-limit line: remaining available_limit, billed due_amount, cashback and the next due date.
Auth: Authorization: Bearer access_token issued after PIN OTP verify; refresh_token renews the session.
- available_limit
- credit_limit
- due_amount
- cashback_amount
- due_date
- loan_status
```
GET /v1/credit/bnpl/lines HTTP/1.1
Authorization: Bearer <access_token>
```
```
{
  "success": true,
  "data": {
    "available_limit": 15000.0,
    "credit_limit": 20000.0,
    "due_amount": 2499.0,
    "cashback_amount": 75.0,
    "due_date": "2026-11-05",
    "loan_status": "ACTIVE"
  }
}
```

Where teams use this data

EMI-book reconciliation
Collections and LOS bots pull emi_amount, outstanding_amount, next_emi_date and penalty_charge nightly so the servicing ledger matches the in-app EMI calendar.
Bureau-score underwriting
Credit desks read credit_score, last_score_updated_at and pan_number beside offer_amount and available_limit before accepting or refreshing a Flexi line.
CKYC identity matching
KYC ops match ckyc_kin_number, pan_number, aadhaar_number and father_name against the CKYC registry when DigiLocker or video KYC stalls.
Flexi-limit monitoring
Treasury dashboards watch wallet_balance, credit_limit and BNPL due_amount to see how much of the Ring/SBM line is still unspent.

Frequently asked questions

What identity fields does Kissht expose after login?

The CKYC record returns full_name, father_name, date_of_birth, pan_number, masked aadhaar_number, ckyc_kin_number and ckyc_address. The basic-details profile adds employment_type, monthly_income and pincode on the same session.

Can I read EMI and foreclosure amounts, not just the credit line?

Yes. The loans book returns emi_amount, outstanding_amount, disbursal_amount and next_emi_date. The penalty view adds penalty_charge, and the foreclosure quote returns foreclosure_amount plus foreclosure_fees.

How does Kissht authenticate borrowers?

Android PIN sign-in sends an OTP to the registered mobile number, and verifying it mints access_token, refresh_token and auth_token. Later calls carry the access token as a Bearer header. Truecaller and mobile-OTP sign-in paths exist beside the Android PIN flow.

Which products sit on the same session?

Insta personal loans, the revolving Flexi/Ring limit, an SBM wallet-card (wallet_balance, wallet_ac_no), BNPL lines, UPI bank accounts with eNACH mandates, DigiLocker KYC and a CIBIL-style credit-score meter.

Apps similar to Kissht: Instant Personal Loans

Moneyview — Moneyview is an India finance app that, through its lending partners, offers unsecured personal loans from ₹5,000 to ₹10 lakh with tenures of 3–60 months and a published interest floor of 1.16% per month.
KreditBee — KreditBee is an India digital-lending platform that arranges personal loans of ₹3,000 to ₹10 lakh from RBI-registered NBFCs and banks, with published tenures of 3–60 months and a fully online application.
Fibe — Fibe (formerly EarlySalary) is an India consumer-lending app that offers unsecured personal loans of up to ₹10 lakh with 100% digital KYC and published EMI tenures of 6–36 months.
CASHe — CASHe is an India digital-credit app that offers everyday personal loans of ₹45,000–₹3,00,000 on 9–18 month EMIs, plus a pre-approved revolving limit that can be drawn as a loan or used for buy-now-pay-later.
RING by Kissht: Personal Loan — RING by Kissht is OnEMI Technology Solutions' other India personal-loan app, advertising unsecured loans of up to ₹5 lakh with digital KYC and EMI repayment.
Bajaj Finserv — Bajaj Finance is an India NBFC that offers personal loans from ₹40,000 to ₹55 lakh, with published tenures of 12–108 months and a fully online application.
Paisabazaar: Credit Score App — Paisabazaar is PB Fintech's India marketplace that lets borrowers compare personal-loan offers of up to ₹50 lakh from 30-plus banks and NBFCs and apply from one login.
PhonePe — PhonePe is an India UPI super-app that also advertises unsecured personal loans of up to ₹10 lakh with a paperless in-app application.

More Lending apps

Topics

kissht
onemi
instant personal loan india
flexi credit limit
ckyc kin
cibil score kissht
emi calendar
enach mandate
sbm wallet
bnpl india

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Kissht personal-loan, CKYC and EMI APIs

Screenshots

API surface

Send Android PIN OTP

Verify PIN OTP

Fetch CKYC record

Fetch bureau credit score

Credit-score history

List user loans

Credit-line offer

User basic details

Flexi wallet balance

Initiate repayment

Loan penalty details

Calculate foreclosure

Generate DigiLocker KYC URL

List UPI bank accounts

BNPL credit lines

Data categories

Where teams use this data

EMI-book reconciliation

Bureau-score underwriting

CKYC identity matching

Flexi-limit monitoring

Frequently asked questions

Apps similar to Kissht: Instant Personal Loans

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?

Kissht personal-loan, CKYC and EMI APIs

Screenshots

API surface

Send Android PIN OTP

Verify PIN OTP

Fetch CKYC record

Fetch bureau credit score

Credit-score history

List user loans

Credit-line offer

User basic details

Flexi wallet balance

Initiate repayment

Loan penalty details

Calculate foreclosure

Generate DigiLocker KYC URL

List UPI bank accounts

BNPL credit lines

Data categories

Where teams use this data

EMI-book reconciliation

Bureau-score underwriting

CKYC identity matching

Flexi-limit monitoring

Frequently asked questions

Related apps

Apps similar to Kissht: Instant Personal Loans

More Lending apps

Brigit: Cash Advance & Credit

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Dave: Credit, Cash & Money App

Topics

Need this app's data API integrated?