Buy Now Pay Later

Easy EMI/ Monthly Installments on your jewellery purchase.

Product valueDown PaymentLoan ValueROIProcessing FeeMDR
₹ 100,00010%₹ 90,00018%2.00%2.50%
Tenure Annualized Interest Rate Effective Interest Rate Processing Fee EMI / Month Total Interest Payable Total Amount Payable MDR
6 18.0% 4.78% 2000 ₹ 15,797 ₹ 4,784 ₹ 94,784 2500
9 18.0% 6.88% 2000 ₹ 10,765 ₹ 6,884 ₹ 96,884 2500
12 18.0% 9.01% 2000 ₹ 8,251 ₹ 9,014 ₹ 99,014 2500

Kissht, is offering an easy instalment/ EMI option to help you purchase all your favourite jewellery on Alapatt Diamonds , priced from Rs 15,001/- to Rs 1,50,000/- without the use of a credit card.

How It Works

Step 1
Select your favourite jewellery
Step 2
Choose the EMI payment option
Step 3
Enter your details & complete your order
Step 4
Your document verification & order confirmation will be completed in the next 24 hours
Step 1
Step 1
Select your favourite jewellery
Step 2
Step 2
Choose the EMI payment option
Step 3
Step 3
Enter your details & complete your order
Step 4
Step 4
Your document verification & order confirmation will be completed in the next 24 hours

Terms & Conditions

  • Kissht levies a processing fee of 2% on the amount to be paid, based on the EMI plan selected by you.
  • You can choose three EMI options ranging from 6, 9 and 12 months for gold, diamond and gemstone jewellery. The minimum order value being Rs 15,001/- to Rs 1,50,000/-.
  • Based on the evaluation of your profile and the loan offer you selected at the time of purchase, the actual EMI value may differ.
  • Offer is available for jewellery purchases made online on Alapatt Diamonds by customers residing in Telengana, Andra Pradesh, Delhi, Gujarat, Haryana, Karnataka, Madhya Pradesh, Maharashtra, Odisha, Punjab, Rajasthan, Tamil Nadu, Uttar Pradesh & West Bengal.
  • This loan facility is being offered by Kissht to the customer and Alapatt plays no role in the approval, extension, pricing, modification, pre-closure, closure or any matter incidental thereto pertaining to offering of the EMI facility. It is decided at the sole discretion of Kissht.
  • The customer shall be assessed by Kissht on eligibility and other parameters and approved loans shall be disbursed by Kissht to Alapatt Diamonds. In case of returns, Alapatt Diamonds shall refund the Customer upto the extent of instalment paid to Kissht and the balance, directly to Kissht.
  • The loan offered by Kissht to the customers is governed by the respective terms and conditions of Kissht and the customer is advised to approach Kissht in case of any complaint, dispute or enquiry about an EMI transaction using the Kissht Transaction ID, or Alappat Order ID or Mobile No. registered with Kissht.
  • Alapatt does not charge the customer any processing or convenience fee for the purpose of facilitating the loan facility for its customers.
  • All disputes in connection with the loan shall be between the Customer and Kissht. Alapatt shall not be held liable for any dispute arising out of or in connection with such loan facility being offered by Kissht.

What is Kissht?

Kissht is a digital-platform to enable simple, seamless and instant personal loans to help you pay for your purchases through easy installments.

  • Kissht payment option will provide you with a loan with EMI for order value of Rs 15,001/- to Rs 1,50,000/-.
  • Kissht representatives will contact you on the mentioned contact details and billing address within 24 hours to verify and collect a copy of your PAN Card, proof of address and proof of income. You will also need to sign the loan agreement form and pay any processing fee due.
  • You will need to be available for physical verification, preferably at the address mentioned in the loan application.
  • You can choose from 6-month, 9-month or 12-month EMI option.
  • You can repay your Kissht loan through easy installments at the rate of interest specified for your loan with 10% down-payment (A processing fee of 2% will be charged by Kissht).
  • Your order processing will only begin post the approval of your Kissht easy payment option.
  • For more details, you can reach us at 1800-1030-916 (Toll Free) or write to us at [email protected]

FAQ

1. What is Kissht?

Kissht is a web and mobile app platform to enable simple, seamless and instant personal loans to help you pay for your purchases on alapattdiamonds.com via easy monthly installments without the need of a credit card.

2. Do you access my CIBIL score?

Yes, Kissht accesses your CIBIL score based on the information provided by you to determine the eligibility of the loan.

3. What documents are needed for loan approval?
  • PAN card copy
  • Address Proof - Passport copy/Aadhar Copy/Driving Licence Copy/Electricity Bill Copy
  • Photograph (Soft or hard copy)
  • Last 3 months Bank Statement using Net Banking or Soft copy (If required)
  • Last 3 months Salary Slip for salaried person.
4. Is there any application processing fee?

Yes, apart from the down payment and EMIs, Kissht charges a processing fee of 2% of the order amount based on the chosen EMI plan.

5. What are the payment options?

You can use Net Banking or Debit Card to make the down payment. For monthly payments / installments (EMI), Kissht will auto debit your bank account using NACH mandates, once approved. You can also use Kissht mobile App to make EMI payments.

6. How much time would it take to approve my application?

Typically, Kissht takes around 24 hours for the final approval of the loan application.