BSE List Price : ₹191.00

NSE List Price : ₹190.00

subscription

Category	Times
QIBs	25.97x
HNIs	6.91x
Retail	2.13x
Total : 9.96x

IPO Market Lot(s) Distribution

Application	Lot Size	Shares	Amount
Retail Minimum	1	87	₹14,877
Retail Maximum	13	1,131	₹193,401
S-HNI Minimum	14	1,218	₹208,278
S-HNI Maximum	67	5,829	₹996,759
B-HNI Minimum	68	5,916	₹1,011,636

About the Company

Kissht, run by OnEMI Technology Solutions Limited (earlier known as OnEMI Technology Solutions Private Limited), is a digital lending platform in India that aims to make credit more accessible and convenient. It provides instant personal and business loans of up to ?5 lakh with minimal paperwork, leveraging advanced data analytics and machine learning to evaluate credit eligibility and broaden financial inclusion.
The company is backed by well-known investors such as Endiya Partners, the Brunei Investment Authority, and the Singapore Government, highlighting its strong institutional support. With a technology-first approach, Kissht has positioned itself as an innovative player in the fintech space and is now expanding beyond digital personal loans into digital secured lending solutions, including Loans Against Property, while continuing to offer a quick and hassle-free borrowing experience.
Kissht also prioritizes a people-focused work environment, encouraging innovation, flexibility, and career development through inclusive policies, employee wellness benefits, and adaptable work arrangements.

Company Financial Report

_{Amount ₹ in Crores}

Period Ended	Revenue	Expense	PAT	Assets
2023	₹1001.51	₹977.55	₹27.67	₹1275.20
2024	₹1700.30	₹1432.86	₹197.29	₹1796.53
2025	₹1352.69	₹1136.42	₹160.62	₹2701.10
2025	₹1583.93	₹1317.49	₹199.27	₹3568.78

Company Promoter

Ranvir Singh

Krishnan Vishwanathan

Know before investing

• • Strengths

  Advanced Risk Management Framework: A data-centric system that embeds machine learning throughout risk, credit, and collections functions, improving fraud identification, credit evaluation, and analysis of borrower behavior.

  Strategic Technology Integrations: Thoughtful use of advanced third-party solutions in combination with proprietary platforms enables innovation, scalability, and cost optimization, while maintaining strong oversight of user experience and security.

• • Risks

  Borrower Default Risk: The company mainly extends credit to individuals in the mass-market segment, which can involve a greater likelihood of delayed repayments or defaults. Any challenges in recovering outstanding amounts or enforcing collateral may adversely affect financial performance.

  Platform & System Failure Risk: The business relies significantly on the stability and uptime of its technology platform. Any technical disruptions or system outages could interrupt services and have a negative impact on overall operations.

Objects of the Issue & Utilisation of proceeds

Augmenting the capital base of our Subsidiary, Si Creva, to meet its future capital requirements arising out of the growth of our Subsidiary, Si Creva’s, business.

General Corporate Purpose.

Company  Address

OnEMI Technology Solutions Ltd.
10 th Floor,
Tower 4,
Equinox Park, LBS Marg, Kurla (West),
Mumbai, Maharashtra, 400070
Phone: +91 22 6947 5600
Email: compliance@kissht.com
Website: http://www.kissht.com

IPO Registrar

Kfin Technologies Ltd.
Phone: 04067162222, 04079611000
Email: kissht.ipo@kfintech.com
Website: https://ipostatus.kfintech.com/

IPO Review

May Apply