Onemi Technology Solutions (Kissht) IPO

About Onemi Technology Solutions (Kissht)

OnEMI Technology Solutions Limited (brand: Kissht) was incorporated in 2016 and is a technology-enabled digital lending company in India. It was converted into a public limited company in 2025. The company is promoted by Ranvir Singh and Krishnan Vishwanathan, who bring deep experience in financial services and technology. Kissht operates a mobile-first lending platform that offers instant digital loans for consumption and small business needs. Its offerings include personal loans and other short- to medium-term credit products, delivered through a seamless app-based journey. The company serves a large and growing user base, with millions of registered users and customers across India. The business follows a hybrid model, combining on-book lending through its NBFC subsidiary and off-book partnerships with lending institutions. Its strengths lie in data-driven credit underwriting, proprietary risk models, rapid loan disbursement, and a scalable technology platform. These capabilities enable Kissht to serve underserved and mass-market borrowers efficiently while maintaining portfolio discipline 

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Financials of Onemi Technology Solutions (Kissht)

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Utilisation of proceeds

Purpose	INR crores (%)
Capital infusion into subsidiary Si Creva for business growth	750 (75%)
General corporate purposes	250 (25%)

Strengths

• Technology-led digital lending platform with fast and seamless loan disbursals
  
• Large and steadily growing base of registered users and active customers
  
• Proprietary data-driven underwriting and risk assessment capabilities
  
• Scalable hybrid model combining own lending and partner-led loans
  
• Experienced promoters with strong backgrounds in finance and technology

Risks

• A high proportion of unsecured loans increases credit and default risk
  
• Growth depends on acquiring and retaining customers at scale
  
• Exposure to regulatory changes in digital lending and NBFC norms
  
• Heavy reliance on technology platforms creates operational risk
  
• Ongoing need for capital to fund growth and lending activities