Incorporated in 2016, OnEMI Technology Solutions Ltd. is a technology-driven lending platform in India that provides digital credit solutions for personal and business financing needs through its mobile-based ecosystem. 

The company operates under the brands “Kissht,” a digital lending platform, and “Ring,” a payments application. Through these platforms, OnEMI offers EMI-based payment solutions and consumer credit services to both online and offline merchants. Its NBFC partner, Si Creva Capital Services, manages functions such as loan disbursement, KYC verification, and EMI collections

Products & Services

Digital Lending Solutions:

Provides personal loans for salaried and self-employed individuals through a fully digital platform. 

Business & MSME Loans:

Offers MSME financing and working capital solutions to support business expansion and operational requirements. 

Loan Against Property:

Provides secured lending solutions backed by property assets. 

Consumer Credit & EMI Payments:

Enables merchants and customers with seamless EMI-based payment and financing options. 

Operations & Customer Base

As of December 31, 2025, the company had 63.73 million registered users and had served 11.17 million customers across its lending and payments ecosystem. 

As of the same date, the company’s assets under management (AUM) stood at ?59,557.53 million