No lender approves every application — and that includes Kashtpe, where roughly 9 in 10 applications are approved but not all. If yours isn't, the specific reason is always recorded on your application's detail page in your dashboard. This post covers the general categories that most commonly cause a rejection across personal lending generally, so you know what to double-check before applying again.
Income that doesn't support the requested amount or tenure
Lenders generally want your EMI to stay within a reasonable share of your monthly income — often cited around 40–50%. Requesting a larger loan or a shorter tenure than your stated income comfortably supports is one of the most common reasons for rejection. If this applies to you, try a smaller amount or a longer tenure on the EMI calculator before reapplying.
Inconsistent or unverifiable details
A stated occupation that doesn't match a stated income bracket, a bank account that doesn't hold up under review, or details that simply don't add up together — any of these can lead to rejection, independent of your actual creditworthiness. Careful, accurate data entry matters as much as your financial situation does.
Existing debt burden
If you disclose (or the review otherwise identifies) significant existing repayment obligations, a new loan on top of them may be declined simply because the added EMI would stretch your finances too thin.
What to do next
Read the specific reason on your application's detail page — it's more useful than any general list, since it's what our team actually recorded for your case. If something was a data-entry mistake, correct it and apply again. If it was about the amount or tenure requested, try adjusting those. And if you still have questions, use the "Contact customer care" link on your application page — it opens a pre-filled email referencing your application.