Added to YB: 2026-07-21
Pitch date: 2026-07-17
KISSHT.NS [neutral]
OnEMI Technology Solutions Limited
+2.49%
current return
Author Info
Zen Nivesh analyses India’s equity markets to help you discover high-conviction, research-backed stock ideas—long before they hit the mainstream. Our edge lies in identifying fundamentally strong, underfollowed companies with serious upside potential. Sign up for the newsletter.
Company Info
OnEMI Technology Solutions Limited operates as a digital lending platform revolutionizing access to credit in India.
Market Cap
INR 52.3B
Pitch Price
INR 309.00
Price Target
N/A
Dividend
N/A
EV/EBITDA
N/A
P/E
14.52
EV/Sales
N/A
Sector
Consumer Finance
Category
growth
OnEMI Tech [Kissht] An EMI factory
KISSHT.NS (overview): Indian offline-to-online consumer lender/NBFC (brand Kissht, lender Si Creva). Merchant-led acquisition graduating to direct personal loans; avg ticket up ₹7.1k→₹31.8k FY23-25. Added LAP (₹518cr, 7.3% AUM, 48% LTV). AUM ~₹7,066cr split 50/50 on/off-book, A-/Stable, 25.3% CRAR. AI underwriting w/7,000+ data points; 99.2% digital collections. Risk: algorithmic decision opacity.
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