OnEMI Technology Solutions Ltd., operating under the brand Kissht, is a technology-enabled lending platform in India focused on the mass-market segment. Founded in 2016, the company offers digital personal loans and loans against property through its mobile application, leveraging advanced AI and machine learning for rapid credit assessment and disbursal. As of December 2025, Kissht had over 11 million customers and an Assets Under Management (AUM) of ₹5,955.75 crores, catering to young, digitally-savvy individuals who are often underserved by traditional financial institutions.
Overall Subscribed
Open Date
30 Apr 2026
Close Date
5 May 2026
Allotment
TBA
Listing
8 May 2026
| Fiscal Period | Revenue (Cr) | Net Profit (Cr) | Total Assets (Cr) |
|---|---|---|---|
Institutional Data Pending Aggregating historical filings... | |||
Total Issue Size
₹925.92 Cr
Fresh Issue
₹0 Cr
OFS Size
₹0 Cr
Price Performance Band
₹162 — ₹171
Large and growing customer base acquired through a diversified multi-channel strategy.
Advanced, data-driven risk management using proprietary AI and ML models.
Access to diversified and scalable funding sources, including on-book and off-book lending.
Scalable, cloud-native technology platform integrated across all key business functions.
AI-driven synthesis of core competitive advantages and system risks aggregated from institutional filings.
Large and growing customer base acquired through a diversified multi-channel strategy.
Advanced, data-driven risk management using proprietary AI and ML models.
Access to diversified and scalable funding sources, including on-book and off-book lending.
Scalable, cloud-native technology platform integrated across all key business functions.
Significant under-penetration of retail credit in India offers substantial growth headroom.
Growing and underserved mass-market segment provides a large target customer base.
Rapid growth of digital lending is projected to outpace traditional credit channels.
Expansion into secured lending (LAP) and other financial services like insurance.
History of negative cash flows from operating activities in recent years.
A significant decline in revenue and profit in Fiscal 2025 compared to Fiscal 2024.
Lack of experience as a publicly-listed company, which may strain resources.
High dependency on technology platforms, making it vulnerable to system failures.
Intense competition from other digital lenders, traditional banks, and NBFCs.
Evolving and uncertain regulatory landscape for the digital lending sector in India.
Macroeconomic volatility affecting borrower creditworthiness and demand for loans.
Global economic instability can impact Indian financial markets and funding access.
A curated synthesis of common investor inquiries and institutional data points for OnEMI Technology Solut....
OnEMI Technology Solutions Ltd., operating under the brand Kissht, is a technology-enabled lending platform in India focused on the mass-market segment. Founded in 2016, the company offers digital personal loans and loans against property through its mobile application, leveraging advanced AI and machine learning for rapid credit assessment and disbursal. As of December 2025, Kissht had over 11 million customers and an Assets Under Management (AUM) of ₹5,955.75 crores, catering to young, digitally-savvy individuals who are often underserved by traditional financial institutions.
Large and growing customer base acquired through a diversified multi-channel strategy.. Advanced, data-driven risk management using proprietary AI and ML models.. Access to diversified and scalable funding sources, including on-book and off-book lending.. Scalable, cloud-native technology platform integrated across all key business functions.
A retail investor can apply for a minimum of 1 lot (87 shares) at the price band of ₹162 - ₹171.
The lead managers are listed in the detailed RHP document, reachable via the terminal's stakeholder section above.