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Verified employee & interview reviews
Mumbai, Maharashtra
Incorporated in 2016, OnEMI Technology Solutions Limited, widely known by its flagship brand Kissht, is a prominent digitally enabled fintech platform headquartered in Mumbai, Maharashtra. Founded by Ranvir Singh (Chairman and Chief Executive Officer) and Krishnan Vishwanathan (Chief Financial Officer and Executive Director), the company was established with a vision to democratize access to credit across India. It specifically targets young individuals, the emerging middle class, and the mass-market retail sector, serving underbanked and underserved populations who traditionally lack access to conventional institutional financing. Kissht operates primarily as a technology-driven lending platform, utilizing advanced algorithms, data science, and over 34 artificial intelligence models to evaluate millions of borrower profiles. By analyzing more than 400 distinct data points—including behavioral data and advanced analytics—the platform can assess creditworthiness, calculate credit scores, and disburse pre-approved loans within minutes. The entire operational framework is completely paperless, digital, and mobile-first, ensuring high efficiency and quick processing via the Kissht mobile application. The company offers a comprehensive suite of financial products tailored for consumption, emergency, and business requirements. Its core offerings include unsecured instant personal loans ranging from ₹1,000 to ₹5,000,000, short-term and long-term credit lines, and flexible business loans tailored for small business owners, salaried individuals, self-employed professionals, and MSMEs. Repayment tenures are highly flexible, spanning between 6 and 60 months. Additionally, Kissht has expanded into secured lending categories, providing Loans Against Property (LAP) up to ₹30,000,000 through its physical branch infrastructure, which spans over 62 locations nationwide. Beyond credit, the platform integrates digital EMI card solutions, partner merchant instant lines through its PaywithRing ecosystem, and has initiated the distribution of health, life, and auto insurance products. Operationally, Kissht manages an omni-channel acquisition strategy, connecting with customers through over 50 online portals and a massive physical network of more than 3,500 offline points of sale and merchant partners across 40 Indian cities. Financially, Kissht has demonstrated robust operational growth, scaling its total loan portfolio to ₹4,087 crore by FY25. For the fiscal year ending March 2025, the company recorded consolidated revenues of ₹1,353 crore and a net profit of ₹161 crore, representing a significant multi-year growth trajectory. The firm maintains an excellent asset quality profile, reporting net Non-Performing Assets (NPAs) at a minimal 0.25% alongside a Capital Adequacy Ratio (CRAR) of 25.18%. Backed by prominent global institutional investors, including Vertex Growth Fund, Sistema Asia Fund, Fosun RZ Capital, and Ventureast, OnEMI Technology Solutions has filed its Draft Red Herring Prospectus (DRHP) to launch an Initial Public Offering (IPO) to raise fresh capital to further scale its lending operations through its RBI-registered NBFC subsidiary, Si Creva Capital Services.
Kairav Wadhwa
Employee review
Flexible, respectful environment with clear growth paths.
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Niyati Parekh
Employee review
Good benefits, reasonable hours, and a lot of room to learn.
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