OnEMI Technology Solutions Ltd

OnEMI Technology Solutions Limited is an Indian fintech company focused on digital lending and EMI-based payment solutions. Incorporated in 2016, the company operates through its flagship brands Kissht and Ring.

Kissht offers digital consumer lending solutions, including personal loans, MSME loans, and loan-against-property products.
Ring is a payments and credit platform that enables users to access credit lines and make EMI-based transactions.

The company provides financing solutions for both online and offline merchants and leverages AI-driven risk management and cloud-native technology infrastructure to scale lending operations efficiently.

Its NBFC partner, Si Creva Capital Services, manages:

Loan disbursement
KYC compliance
EMI collections
Key Highlights (as of Dec 31, 2025)
Registered Users: 63.73 million
Customers Served: 11.17 million
Assets Under Management (AUM): ₹5,955.75 crore
Focus Areas:
Personal Loans
MSME Financing
Loan Against Property
EMI-based Consumer Credit