OnEMI Technology Solutions
Price Band
₹162 – ₹171
Issue Size
₹926 Cr
Lot Size
87 shares
Min ₹14,877
Issue Dates
30 Apr – 5 May 2026
Listing Date
8 May 2026
About 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
Visit WebsiteIPO Details
| Price Band | ₹162 – ₹171 |
| Face Value | ₹1 |
| Lot Size | 87 shares(Min ₹14,877) |
| Issue Size | ₹926 Cr |
| Fresh Issue | ₹850 Cr |
| Offer for Sale | ₹76 Cr |
| Total Shares Offered | 5,41,47,390 |
| Listed On | Both |
Objects of the Issue
The company proposes to utilize the net proceeds from the IPO primarily for augmenting the capital base of its subsidiary, Si Creva Capital Services, to meet future capital requirements arising from business growth and lending operations. An estimated ₹637.50 crore will be allocated for this purpose. The remaining ₹156.59 crore will be used for general corporate purposes. The total estimated utilization of proceeds amounts to ₹794.09 crore.
Key Financial Metrics
EPS (Basic)
₹15.77
P/E Ratio
10.84x
ROE
23.51%
Debt / Equity
1.63
Financial Performance
| Particulars (₹ Cr) | FY24 | FY25 |
|---|---|---|
| Revenue | 1,700.3 | 1,352.69 |
| EBITDA | 358.96 | 403.37 |
| PAT | 197.29 | 160.62 |
| Total Assets | 1,796.53 | 2,701.1 |
| Net Worth | 804.57 | 1,005.99 |
| Total Borrowings | 784.3 | 1,507.58 |
Valuation
Market Capitalisation
P/E Ratio
Promoter Holding
Public Holding
Lot Size & Allocation
Investment by Category
| Category | Lot Size | Min Investment | Max Investment |
|---|---|---|---|
| Retail (RII) | 87 shares | ₹14,877 | ₹1,93,401 |
| S-HNI | 14 × 87 | ₹2,08,278 | ₹9,96,759 |
| Retail (RII) | 68 × 87 | ₹10,11,636 | — |
Reservation / Allocation
| Category | Allocation | Cut-off |
|---|---|---|
| QIB (Qualified Institutional Buyers) | 50% | No |
| NII (Non-Institutional Investors) | 15% | No |
| RII (Retail Individual Investors) | 35% | No |
Documents
Frequently Asked Questions
10 questions about OnEMI Technology Solutions IPO
Important Dates
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