Incorporated in 2016, OnEMI Technology Solutions Limited is a technology-enabled lender in India, primarily offering digital loans through its mobile application for various consumption and business needs.
The company operates under the brand names Kissht (digital lending platform) and Ring (payments app), OnEMI empowers online and offline merchants with seamless consumer credit solutions and EMI-based payments. Its NBFC partner, Si Creva Capital Services, handles loan disbursement, KYC, and EMI collections
As of Dec 31, 2025, the company has 63.73 million registered users and served 11.17 million customers. As of Dec 31, 2025, its AUM stood at Rs 59,557.53 million.
Its product portfolio includes personal loans (offered to salaried and self employed individuals), loan against property, and MSME loans for business expansion and working capital requirements.
Competitive Strengths:
Large customer base acquired through a diversified multi-channel acquisition strategy
Driving asset quality through advanced and comprehensive risk management
Access to diversified and scalable funding sources
Scalable, cloud-native and AI-built technology platform integrated across all key functions
Experienced founders and leadership, backed by marquee investors
