Onemi Technology Solutions Ltd Company Summary

Onemi Technology Solutions Limited was incorporated as OnEMI Technology Solutions Private Limited as a private limited company under Companies Act, 2013, pursuant to the certificate of incorporation dated June 18, 2016, issued by the RoC. The Company was subsequently converted into a public limited company and the name of Company was changed to OnEMI Technology Solutions Limited, and a fresh certificate of incorporation dated July 8, 2025, was issued by the RoC.Kissht is a technology-enabled lender in India, primarily offering digital loans through its mobile application for various consumption and business needs. It provide swift, accessible and personalized credit solutions supporting to support customers throughout their financial journeys.

Company use various online and offline channels to acquire customers, including through digital marketing on search engines and social media platforms, partnerships with small businesses (shop owners and retail outlets), and collaborations with e-commerce players and loan aggregators. It operate a fully tech-enabled, highly scalable, cloud-hosted lending platform, with end-to-end ownership and control of product and technology. This includes the Loan Origination System (LOS), Loan Management System (LMS) and ACS.

AUM comprises on-book loans, i.e., loans on the balance sheet of wholly-owned Subsidiary, Si Creva (an RBI regulated middle-layer NBFC), and off-book loans, i.e., loans on the balance sheet of lending partners. Large customer base has been acquired through a diversified multi-channel acquisition strategy. The Company has access to diversified and scalable funding sources.

Since commencing operations in 2016, it has built a data-first architecture that integrates ML across the risk, credit and collection workflows. The Company launched loans against property as its product in FY 2024. The growth of AUM has consistently rose to Rs 40,866.38 million as of March 31, 2025.

In December 2025, the Company launched its mobile application on the iOS operating system and its application marketplace. The Company came up with IPO of 54,147,390 Equity Shares of Rs 1 each and raised funds of Rs 925.92 crore, which consist a fresh issue of 49,707,602 Equity shares amounting to Rs 850 crore and the offer for sale of 4,439,788 Equity shares amounting to Rs 75.92 crore on 5 May, 2026. The AUM scaled to Rs 7,066 crore in FY 2026.

The lending business has grown to an AUM of Rs 518 crore across 98 branches in FY 2026. The Company has incorporated Invincible Minds Private Limited as its wholly owned subsidiary on June 17, 2026. As of March 31, 2026, the Personal Loans portfolio recorded AUM of Rs 6,548 crore, accounting for 92.7% of the Companys total AUM.