Onemi Technology Solutions Limited, founded in 2016 and rebranded as a public limited company in July 2025, operates under the brand “Kissht” as a digital lending platform in India. Kissht specializes in providing quick, accessible, and personalized digital loans through its mobile application, targeting both consumption and business needs. The company leverages its fully tech-enabled and scalable lending platform, incorporating proprietary systems like its Loan Origination and Loan Management Systems, supported by cloud infrastructure.
Customer acquisition is achieved through a diversified approach, including digital marketing, partnerships with small businesses, e-commerce collaborations, and loan aggregators. Its lending portfolio includes loans managed both on its subsidiary Si Creva (a Reserve Bank of India-regulated NBFC) and via off-book partnerships with other lending institutions. The company’s advanced data-driven infrastructure employs machine learning to streamline risk assessment, credit approvals, and collections, driving operational efficiency and scalability.
Since its inception, Onemi Technology has demonstrated significant growth, with its Assets Under Management (AUM) reaching ₹40,866.38 million as of March 31, 2025. The company has continuously diversified its product offerings, launching loans against property as a new product line in fiscal year 2024. Its ability to access a diversified and scalable funding base further underpins its growth potential in the competitive financial services market.
The company is preparing to enter the public market with an Initial Public Offering (IPO). It aims to raise ₹1,000 crore via fresh equity shares and plans to offer 8,879,575 additional shares through an offer for sale. This IPO will provide Onemi with additional resources to expand its operations and strengthen its market presence, making it an attractive option for investors seeking exposure to India’s fast-expanding digital lending sector.