OnEMI Technology Solutions Limited
NSE: KISSHT · Other Financial Services
Snapshot
Unlock OnEMI Technology Solutions Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
OnEMI Technology Solutions Limited is a technology-enabled lender in India offering digital loans for consumption and business needs through its mobile application. The company caters to young individuals in the mass market segment using a proprietary, cloud-hosted lending platform that handles the entire loan lifecycle.
Business Model
The company operates a balanced liability profile comprising on-book loans through its wholly-owned RBI-regulated NBFC subsidiary, Si Creva, and off-book loans in partnership with banks, NBFCs, and fund houses. It leverages advanced data analytics, artificial intelligence, and machine learning models for risk management and credit decisioning.
- Assets Under Management (AUM):₹59,557.53 million
- Registered Users:63.73 million
Management Commentary
Management highlights strong operational scaling, evidenced by significant growth in assets under management and a robust profit after tax for the nine-month period ended December 31, 2025. The platform maintains a granular loan book supported by sophisticated digital underwriting.
- Profit After Tax (9M FY26):₹1,992.69 million
Growth Outlook
Growth is driven by deepening penetration within the mass market segment, expanding digital credit adoption among young individuals, and scaling partnerships with banks and financial institutions for off-book lending.
- Active Customers:2.87 million
Key Risks
- Credit and Default Risk. An increase in defaults within the mass market unsecured lending segment could adversely affect asset quality and profitability.
- Regulatory Compliance. Changes in regulations governing digital lending and NBFCs by the Reserve Bank of India could impact operational workflows and cost structures.
- Technology and Cybersecurity Risk. Any disruption or security breach in the proprietary cloud-hosted lending platform could interrupt loan processing and customer trust.
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Peers · Other Financial Services
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
OnEMI Technology Solutions LimitedKISSHT | ₹5,402 Cr | — | — | — | 33.0% | — | — | — |
Asset Reconstruction Company (India) LimitedARCIL | ₹3,905 Cr | — | — | — | 66.0% | — | — | — |
Colab PlatformsCOLAB | ₹2,546 Cr | 510.0× | — | — | 1.0% | 18.0% | — | -35.3% |
Algoquant Fintech LimitedALGOQUANT | ₹2,143 Cr | 48.4× | — | — | 22.0% | 38.6% | — | +17.0% |
Gyftr LimitedLKPFIN | ₹1,206 Cr | 21.6× | — | 28595.2% | -8.0% | 4.2% | — | -83.9% |
Prime SecuritiesPRIMESECU | ₹981 Cr | 172.5× | — | 14.4% | 16.0% | 2.0% | — | -1.9% |
As of Mar 2026
Financials
OnEMI Technology Solutions Limited
NSE: KISSHT · Other Financial Services
Snapshot
Unlock OnEMI Technology Solutions Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
OnEMI Technology Solutions Limited is a technology-enabled lender in India offering digital loans for consumption and business needs through its mobile application. The company caters to young individuals in the mass market segment using a proprietary, cloud-hosted lending platform that handles the entire loan lifecycle.
Business Model
The company operates a balanced liability profile comprising on-book loans through its wholly-owned RBI-regulated NBFC subsidiary, Si Creva, and off-book loans in partnership with banks, NBFCs, and fund houses. It leverages advanced data analytics, artificial intelligence, and machine learning models for risk management and credit decisioning.
- Assets Under Management (AUM):₹59,557.53 million
- Registered Users:63.73 million
Management Commentary
Management highlights strong operational scaling, evidenced by significant growth in assets under management and a robust profit after tax for the nine-month period ended December 31, 2025. The platform maintains a granular loan book supported by sophisticated digital underwriting.
- Profit After Tax (9M FY26):₹1,992.69 million
Growth Outlook
Growth is driven by deepening penetration within the mass market segment, expanding digital credit adoption among young individuals, and scaling partnerships with banks and financial institutions for off-book lending.
- Active Customers:2.87 million
Key Risks
- Credit and Default Risk. An increase in defaults within the mass market unsecured lending segment could adversely affect asset quality and profitability.
- Regulatory Compliance. Changes in regulations governing digital lending and NBFCs by the Reserve Bank of India could impact operational workflows and cost structures.
- Technology and Cybersecurity Risk. Any disruption or security breach in the proprietary cloud-hosted lending platform could interrupt loan processing and customer trust.
Start your research today
Unlock AI insights, financials, peers and live data on OnEMI Technology Solutions Limited and 5,000+ companies — free.
Peers · Other Financial Services
As of Mar 2026