Onemi Technology Solutions IPO
Onemi Technology Solutions Limited
Minimum investment
Onemi Technology Solutions IPO Details
Bidding date
30 Apr - 05 May 2026
Price range
₹162 - ₹171
Minimum quantity
87
Minimum investment
₹14,877
Issue size
₹926 Cr.
IPO doc (link)
RHP docs
Listing exchange
NSE/BSE
Onemi Technology Solutions IPO Dates & Timeline
IPO Objectives & Issue Structure
Total Issue Size:
₹926 Crore
Fresh Issue: 92% (₹850 Cr)
OFS: 8% (₹76 Cr)
Fresh Issue – ₹850 Crore
- Augmenting the capital base of Subsidiary (Si Creva Capital Services Private Limited) - ₹637.5 Cr
Offer for Sale – ₹76 Crore
- Allowing the Selling Shareholders to sell their Equity Shares - ₹44,39,788 Cr
Shareholder Lock-in Schedule
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.
About Onemi Technology Solutions IPO: Company Overview
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.
Strengths & Risks of Onemi Technology Solutions IPO
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.
Onemi Technology Solutions Financials: Revenue, Profit & EBITDA
1 Cr.
Dec'25
199.27 Cr.
Dec'25
488.45 Cr.
Dec'25
How to Apply for Onemi Technology Solutions IPO: Step-by-Step Guide
- Research the IPO:Review the prospectus and company details.
- Open accounts:Ensure you have a demat and trading account.
- Check dates:Note the IPO opening and closing dates.
- Apply online:Log in to your brokerage account and complete the IPO application form.
- Make payment:Pay through your linked bank account.
- Submit application:Confirm and submit your application.
- Track status:Monitor the allotment status and check for shares in your demat account upon listing.
Onemi Technology Solutions IPO Market Sentiment: See How Many Are Interested
Will you apply for Onemi Technology Solutions IPO?
57 investors voted
FAQs: Onemi Technology Solutions IPO
Active IPOs | |
|---|---|
Company name | Bid starts |
Onemi Technology Solutions | 30-04-2026 |
Amba Auto Sales And Services | 27-04-2026 |