Onemi Technology Solutions Limited
Minimum investment
Bidding date
30 Apr - 05 May 2026
Price range
₹162 - ₹171
Minimum quantity
87
Minimum investment
₹14,094
Issue size
₹926 Cr.
IPO doc (link)
RHP docs
Listing exchange
NSE/BSE
Total Issue Size:
₹926 Crore
Fresh Issue: 92% (₹850 Cr)
OFS: 8% (₹76 Cr)
Fresh Issue – ₹850 Crore
Offer for Sale – ₹76 Crore
Lock-in / Stabilization | Timeline |
|---|---|
Minimum Promoters’ Contribution | 18 Months |
Excess Promoter Holding | 6 Months |
Entire Pre-Offer Equity Share Capital | 6 Months |
Note: Retail IPO investors have no lock-in and can sell shares from the listing day.
Category | Subscription |
|---|---|
Qualified Institutional Buyers | 24.87x |
Retail Individual Investor | 2.03x |
Non-Institutional Investor | 6.57x |
Others | - |
Total | 9.50x |
OnEMI Technology Solutions Limited, incorporated in 2016, is a technology-driven lending platform in India that provides digital credit solutions to consumers and businesses. The company operates through its popular platforms Kissht (digital lending) and Ring (payments app), enabling seamless access to EMI-based financing across both online and offline ecosystems. The company partners with its NBFC arm, Si Creva Capital Services, which manages loan disbursement, KYC processes, and collections. OnEMI offers a diversified product portfolio including personal loans for salaried and self-employed individuals, loan against property, and MSME loans for business expansion and working capital.
As of December 31, 2025, the company has built a strong user base of 63.73 million registered users and has served over 11.17 million customers. Its Assets Under Management (AUM) stood at Rs 5,955.75 crore, reflecting significant scale in India’s fast-growing digital lending ecosystem.
Strong Customer Base and Scale: The company has a large user base of over 63 million registered users, providing strong network effects and growth opportunities.
Advanced Technology Platform: Its AI-driven, cloud-native platform enhances operational efficiency, credit underwriting, and customer experience.
Diversified Product Portfolio: Presence across personal loans, MSME loans, and secured lending products ensures multiple revenue streams.
Improving Financial Performance: Consistent growth in income, profitability, and net worth indicates a strengthening financial position.
Robust Risk Management Framework: Advanced analytics and credit models help maintain asset quality in a high-risk lending environment.
High Dependence on NBFC Structure: The company relies on its subsidiary for lending operations, exposing it to regulatory and compliance risks.
Rising Competition in Fintech Space: Increasing competition from established banks, NBFCs, and fintech startups could impact margins.
Credit Risk Exposure: As a lender, the business is inherently exposed to borrower defaults and economic cycles.
High Borrowings: The company has significant borrowings, which may impact financial stability during adverse conditions.
Regulatory Changes: Changes in RBI regulations for digital lending and NBFCs may affect business operations and growth.
1 Cr.
Dec'25
199.27 Cr.
Dec'25
488.45 Cr.
Dec'25
58 investors voted
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