ONKIST
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Your Needs. On Kist.

Money for the
moments that
won’t wait.

Personal and business credit online — clear pricing, light paperwork, funds to your bank when you’re approved.

Check eligibilityExplore products

Apply in minutes. Stay in control.

Digital flow, clear terms, and money to your bank — without the runaround.

Fully digital

Start and finish on your phone — no branch visits.

Clear pricing

Interest, tenure, and charges before you confirm.

Secure by design

Protected data and transparent terms end to end.

Fast decisions

Quick eligibility checks and approval flow.

Flexible EMIs

Choose a tenure that fits your cash flow.

Direct to bank

Approved amount credited to your account.

Products

Personal. Business. Credit.

Three ways into the same digital kist — pick the lane that fits, see the terms, then finish your application online in one guided flow (about 5–10 minutes).

Woman smiling while holding a smartphonePersonal

Personal loan

01

For life’s urgent turns

Medical bills, travel, a sudden gap in the month — credit when payday won’t wait.

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Man on a phone call while working on a laptopBusiness

Business loan

02

Fuel the next order

Working capital for shops, freelancers, and MSMEs — apply with a short digital profile.

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Young couple laughing together on a sofaCredit

Credit

03

Flexible everyday credit

A revolving line for short-term needs — clear limits, clear pricing, repay as you use.

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How it works

Three moves.
Then you’re funded.

No branch visits. No paperwork pile. Just a clear digital path from need to disbursal.

Apply → Verify → Funded
  1. 01

    Tell us what you need

    A short profile. Amount, purpose, a few basics.

  2. 02

    Verify in minutes

    PAN, Aadhaar, selfie — digital KYC, no branch queue.

  3. 03

    Get paid to your bank

    See the offer clearly. Accept. Funds land in your account.

Eligibility

The basics
before you apply

Final offers depend on your profile and partner policies. This is what you need to get started.

  • Nationality

    Indian resident

  • Age

    21 to 60 years

  • Documents

    PAN, Aadhaar, selfie

  • Who

    Salaried, self-employed, MSMEs

Check if you qualify →
Person celebrating loan approval on their phone

On your phone

Approval, without the runaround.

Know where you stand before you commit.

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Trust

Borrow with your eyes open

ONKIST works with regulated lending partners. You’ll see interest, tenure, and charges before you accept — so the only surprise is how straightforward it felt.

  • Regulated partners

    Lending through NBFCs / banks as applicable — not a grey app.

  • Terms before you say yes

    Interest, tenure, and charges shown up front. No post-accept fog.

  • Your data, handled carefully

    Secure digital flows for KYC and application — built for the phone.

FAQ

Ask first.
Apply after.

What is ONKIST?

ONKIST is a digital credit platform for personal loans, business loans, and revolving credit — one place, a paperless journey, and terms you can read before you accept.

Is it safe to apply?

Applications run on secure digital flows. Lending is facilitated with regulated partner NBFCs or banks as applicable. Always review the offer before you confirm.

How does applying work?

Share details, finish KYC, submit. If approved, money goes to your linked bank account. Pricing and tenure are shown up front.

Who can apply?

Indian residents, typically 21–60. Salaried, self-employed, and MSMEs — final eligibility depends on partner checks.

How do I start?

Hit Check eligibility. Keep PAN, Aadhaar, and a clear selfie ready.

Your needs.
On kist.

Check the basics, then apply when you’re ready — no paperwork to begin.

Get started