OnEMI Technology Solutions was incorporated as ‘OnEMI Technology Solutions Private Limited’ as a private limited company. The company was subsequently converted into a public limited company pursuant to the resolution passed by the Board of Directors on June 16, 2025, and special resolution passed by the Shareholders on June 17, 2025, and the name of the company was changed to ‘OnEMI Technology Solutions Limited’ on July 8, 2025. It operates through its ‘Kissht’ brand.
The company is a technology-enabled lender in India, primarily offering digital loans through its mobile application for various consumption and business needs. It provides swift, accessible and personalized credit solutions to support its customers throughout their financial journeys. It uses 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 utilizes advanced data analytics, artificial intelligence (AI) and machine learning (ML) led statistical models for risk management across its processes from making credit decisions to collections. Its proprietary AI and ML algorithms utilize multiple key data variables including credit history, know-your-customer (KYC) credentials, banking and transactional data and digi-data, within a secure and consent-driven environment, to enable rapid and accurate decisioning. Its collections infrastructure is built on the back of its proprietary Automated Collections System (ACS), along with a team of tele-callers and on-ground fleet-on-street. Its ACS is an AI-driven platform that effectively manages collections across pre-delinquency, early delinquency and late delinquency stages, thus improving recovery outcomes.
Business area of the company
The company, along with its subsidiary, is engaged in the business of providing financial technology solutions to enable use of instant EMI / instalment solutions to consumers, and in providing the technology platform to enable the above, providing customer acquisition services and loan origination services to financiers/lending partners. It is also engaged in the business of providing personal loans by using digital lending applications viz; ‘Kissht’ and ‘Pay with Ring’ which are owned by the company and lending activities in the form of providing Loan Against Property.
Products of the company
- Personal loans: Offered to salaried and self-employed individuals for various consumption and business needs.
- Loan against property: Offered to asset-owning MSME and salaried individual seeking long term loans for business expansion and working capital needs.
Awards, accreditations and recognition
- 2019: Awarded ‘Most Innovative Fintech Product’ by ET Now.
- 2019: Awarded ‘Best Lending Tech of the Year’ by ET Now.
- 2022: Awarded ‘Best in identity & Access Management-Financial Services’ at the 3rd Annual BFSI Technology Excellence Awards by Quantic.
- 2022: Recognized for entering the 2022 ASK Private Wealth Hurun India Future Unicorn Index by Hurun India.
- 2022: Awarded ‘Cyber Security Initiative of the Year’ at BFSI Tech Summit and Awards, 2022 by USB Forums.
- 2022: Awarded the ‘FinTech Startup of the Year’ at Expleo 3rd Annual BFSI Technology Excellence Award.
- 2022: Awarded ‘Best Start-Up of the Year’ at MSME India Business Awards in financial services category.
- 2022: Recognised as the ‘Best Fintech Credit Platform’ at the BFSI Leadership Awards, 2022.
- 2022: Awarded ‘CXO Tech Innovation Award’ at the CXO Tech Summit and Awards, 2022 in credit and payment experience category.
- 2022: Awarded ‘Best Fintech NBFC of the Year’ at India NBFC Summit and Awards, 2022 by Synnex.
- 2022: Received the ISO/IEC 27001:2022 accreditation for its information security management system by InterCert.
- 2022: Certified with INTERCERT ISCO/IEC 27001:2022.
- 2022: Awarded as the ‘Most Promising CX Strategy of the Year’ at India Customer Excellence Summit and Awards 2022.
- 2023: Recognised as ‘Progressive Places to Work’ by ET Now, the Times Group.
- 2023: Awarded the ‘Best Fintech Startup Award’ at Fintech India Innovation Awards.
- 2023: Recognised as the ‘Best Organisations for Women, 2023’ by the Economic Times.
- 2023: Awarded ‘Great Place to Work’ for the year January 2023 - January 2024.
- 2024: Awarded ‘ET Best BFSI Brands’ for 2024.
- 2024: Recognised as the ‘Best Organisations for Women, 2024’ by Times Group.
- 2024: Recognized as ‘Fastest Growing Fintech Company of the Year’ at the 2nd edition of BFSI Leadership Awards, 2024.
- 2024: Awarded at the ‘Power of PR and Corp Comm’ award at the Afaqs Communicon Awards, 2024 in BFSI Category.
- 2024: Recognized as one of the ‘Best BFSI Brands - 2024’ by ET Edge, the Times Group.
- 2024: Certified as a ‘Great Place To Work’ for the year January 2024 - January 2025.
- 2025: Recognized as one of the ‘Best BFSI Brands - 2025’ by ET Edge, the Times Group.
- 2025: Certified as ‘Great Place To Work, India’ by Great Place to Work, India.
- 2025: Recognised among the ‘Marksmen Daily Most Trusted Brand of India’ (5th Edition) for 2025-26.
- 2025: The company’s Instant Loans were recognised in the BFSI and Fintech category at the ‘ET Brand Disruption Awards, 2025’ by ET Brand Equity.
- 2025: Recognized as one of the ‘Iconic Brands of India - 2025’ by ET Edge, the Times Group.
History and milestones
- 2016: Incorporation of the company.
- 2016: Acquisition of the fast-banking business of Si Creva, the Subsidiary by the company.
- 2016: Registration of Si Creva, the Subsidiary as an NBFC by RBI.
- 2016: Launch of application program of ‘Kissht’, the company’s digital lending platform.
- 2022: Entered merchant-led sales.
- 2022: The company’s AUM scaled to Rs 3,733.98 million.
- 2023: The company’s AUM scaled to Rs 12,679.28 million.
- 2023: The company’s AUM became a ‘Middle-layer’ NBFC under the NBFC Scale Based Regulations.
- 2023: Receipt of ISO/IEC 27001:2022 certification.
- 2024: Launched loans against property as the company’s product.
- 2024: Onboarded Sachin Tendulkar as a strategic investor and brand ambassador.
- 2024: The company’s AUM scaled to Rs 26,042.75 million.
- 2025: The company’s AUM scaled to Rs 55,327.77 million.
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