Kissht aims to bring financial freedom to every Indian, posts Rs 1,337 Cr revenue in FY25 with Rs 161 Cr profit

India’s renowned digital lending platform Kissht has filed draft papers with SEBI to raise Rs 1,000 crore through a fresh issue of shares. 

About Kissht

Established in 2015, Kissht has applied technology to make credit hassle-free, personal, and secure for millions of Indians. It provides business loans up to Rs 5 lakhs within 5 minutes, aiming to empower individuals and businesses by giving access to financial support in a simple way.

Though the fintech company’s financial numbers appear attractive compared to many other IPO-bound startups, both its revenue and profit declined in the fiscal year ending March 2025.

As reported by Entrackr, the firm’s operating revenue fell 20% to Rs 1,337 crore in FY25 from Rs 1,674 crore in FY24, according to its restated consolidated financial statements sourced from the Registrar of Companies (RoC).

Also, as per the report,Kissht makes money from interest income and sourcing & servicing fees. Interest on loans fell 18% to Rs 994 crore, while sourcing and servicing fees rose to Rs 238 crore.

Other income streams, such as marketing and commission income and insurance commission, contributed Rs 7 crore and Rs 3 crore, respectively, during the last fiscal year.

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Kissht founders

Founded by Ranvir Singh and Krishnan Vishwanathan, Mumbai-based Kissht has operated as a fully digital platform which uses advanced AI models, alternative credit scoring, and behaviour-based analytics, unlike traditional banking.

Founder and CEO Ranvir Singh is a Mechanical Engineer from IIT Bombay and an MBA from IIM Bangalore.

Krishnan Vishwanathan is an Electrical Engineer from IIT Delhi and an MBA from Yale School of Management.

The founders aspired to more than building just a successful fintech business, but a platform that could redefine financial inclusivity in India.

Under their leadership, Kissht has placed innovation and customer centricity at the core of its strategy.

Kissht onboards Sachin Tendulkar as brand ambassador

Recently, the fintech company onboarded cricket legend Sachin Tendulkar as a strategic investor and brand ambassador.

“Welcoming Sachin Tendulkar to the Kissht family is an honour and a milestone for us,” Ranvir Singh shared. “For decades, Sachin has been the face of aspiration and determination, and having him with us feels like a perfect alignment of purpose.”

A small business owner in a Tier-III town, a young professional in a metro, or a family facing emergency expenses, Kissht’s wide range of personal loans, business loans, and loan against property solutions caters to diverse financial needs in a fast, responsible and transparent way.

Kissht serves millions of borrowers across India, with operations spanning metros, semi-urban, and rural regions, thereby solving a significant problem in India’s credit ecosystem.

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