Founded in 2016, OnEMI Technology Solutions Limited is a technology-driven lending platform in India that provides digital loans for both consumer and business needs through its mobile applications. It operates under the brands Kissht (a digital lending platform) and Ring (a payments app), enabling both online and offline merchants to offer consumer credit solutions and EMI-based payment options. Its NBFC partner, Si Creva Capital Services, manages key functions such as loan disbursement, KYC, and EMI collections.
As of December 31, 2025, the company has built a strong presence with 63.73 million registered users and has served 11.17 million customers. Its Assets Under Management (AUM) stood at ₹59,557.53 million, reflecting steady growth. The company offers a diversified product portfolio, including personal loans (for salaried and self-employed individuals), loan against property, and MSME loans to support business expansion and working capital needs.
The company’s key strengths lie in its large and diverse customer acquisition network, supported by a multi-channel strategy, and its focus on maintaining asset quality through advanced risk management systems. It benefits from diversified and scalable funding sources, along with a cloud-native, AI-driven technology platform that integrates all core operations. Additionally, it is led by experienced founders and leadership, with backing from prominent investors, positioning it well for future growth.