ONEMI TECHNOLOGY SOLUTIONS LIMITED

Price Band

₹ 162 - ₹ 171

Bid Lot

87 Shares

ONEMI TECHNOLOGY SOLUTIONS LIMITED

30-Apr-2026 - 05-May-2026

Price Band

₹ 162 - ₹ 171

Minimum Investment

₹ 14877.00

Bid Lot

87 Shares

Shares

54,147,391

  • Face Value -  Rs. 1/- Per Share
  • Lisitng at  NSE BSE
  • 217,834 Application Required in Retail for 1 Time.
  • Registrar :  KFin Technologies Limited

IPO Details

Fresh Issue of Equity Shares aggregating to Rs. 850 Cr and Offer for Sale of up to 4,439,788 Equity Shares

QIB
50%

(27,073,695 Shares)RS.462.96 CR

HNI 1
5%

(2,707,370 Shares)RS.46.30 CR @ 2223 FORM 1X

HNI 2
10%

(5,414,739 Shares)RS.92.59 CR @ 4446 FORM 1X

Retail
35%

(18,951,587 Shares)RS.324.07 CR @ 217834 FORM 1X

BRLMs: JM Financial, HSBC Securities and Capital Markets, Nuvama Wealth Management, SBI Capital Markets, Centrum Broking

Timeline

  • 30

    Apr-2026

    Open Date

  • 05

    May-2026

    Close Date

  • 06

    May-2026

    Basis of Allotment Date

  • 07

    May-2026

    Initiation of Refunds

  • 07

    May-2066

    Credit of Shares to Demat A/C

  • 08

    May-2026

    IPO Listing Date

Subscription as on 04-May-2026 17:03

Category

Book Size

Subscription

QIB

1.10x
10,829,478

(₹185.18 Cr.)

11,864,886

(₹202.89 Cr.)

HNI (<10 LAKH)

0.22x
2,707,370

(₹46.30 Cr.)

593,079

(₹10.14 Cr.)

HNI2 (>10 LAKH)

0.43x
5,414,739

(₹92.59 Cr.)

2,346,216

(₹40.12 Cr.)

RETAIL

0.13x
18,951,587

(₹324.07 Cr.)

2,465,319

(₹42.16 Cr.)

Total

0.46x
37,903,174
17,269,500

Category

Book Size

Subscription

QIB

1.10x
10,829,478

(₹185.18 Cr.)

11,864,886

(₹202.89 Cr.)

HNI (<10 LAKH)

0.22x
2,707,370

(₹46.30 Cr.)

593,079

(₹10.14 Cr.)

HNI2 (>10 LAKH)

0.43x
5,414,739

(₹92.59 Cr.)

2,346,216

(₹40.12 Cr.)

RETAIL

0.13x
18,951,587

(₹324.07 Cr.)

2,465,319

(₹42.16 Cr.)

Total

0.46x
37,903,174
17,269,500

*Excluding Anchor

Total No. of Application Approx : ~22804 (0.10 Appwise)

HNI Cost

About Company

  1.  The Company was incorporated as OnEMI Technology Solutions Pvt. Ltd on June 18, 2016. Subsequently it was converted into a public limited company on June 16, 2025, and the name was changed to OnEMI Technology Solutions Limited.
  2.  Kissht is a leading digital lending platform focused on India’s mass market. The company primarily offers digital loans through its mobile application for various consumption and business needs. The company provides swift, accessible and personalized credit solutions to support its customers throughout their financial journeys.
  3.  As of December 31, 2025, the company had 63.73 million registered users and served 11.17 million customers, driven by its multi-channel acquisition strategy, which combines online and offline channels.
  4.  The company had received a rating of 4.6 on Play Store based on over 1.25 million user reviews as of March 31, 2026. In December 2025, the company also launched its mobile application on the iOS operating system and its application marketplace. As of March 31, 2026, the company had received a rating of 4.3 on App Store.
  5.  The company maintains a highly granular loan book with over 2.87 million active customers and ?5,955.75 crore in assets under management (“AUM”) as of December 31, 2025.
  6.  During the 9-Months ended December 31, 2025, the company’s customers had an average age of 32 years and a median CIBIL score of 746. Further, 67.65% of customers earned monthly incomes between ?25,000 and ?75,000, while 63.38% of customers resided in the top 50 cities in India.
  7.  In the 9-months ended December 31, 2025, the company’s network included 52,396 active merchants, facilitating credit QR-led customer acquisition.
  8.  As of December 31, 2025, the company’s underwriting processes are supported by a team of 42 data scientists.
  9.  As of December 31, 2025, the company’s on-book borrowings amounted to ?2,047.52 crore, with a debt-to-equity ratio of 1.63.
  10.  The company has a diversified lender base of 47 lenders as of December 31, 2025, demonstrating low concentration risk and reliable liquidity.
  11.  The company has delivered consistent growth in its AUM from ?1,267.93 crore as of March 31, 2023, to ?4,086.64 crore as of March 31, 2025, growing at a CAGR of 79.53%. Further, the company’s PAT grew from ?27.67 crore to ?160.62 crore, at a CAGR of 140.95% between fiscals 2023 and 2025.

Strengths

Competitive Strength 

Business Strategies 

  • Deepen relationships with the existing customer base and continue to acquire new high-quality customers to achieve a leadership position in the mass market segment
  • Continue improving credit models to drive profitability
  • Be at the forefront of technology by leveraging ML, generative AI and other emerging tools
  • Deliver superior profitability at scale by leveraging lower cost of funds and operating leverage
  • Build a comprehensive financial services platform through product expansion

Company Promoters

Company Financials

BRIEF FINANCIAL DETAILS*                                                      (? In Cr)

Particulars

9 Months ended Dec. 30th, 2025

As of March 31,

2025

2024

2023

Share capital

5.41

5.36

4.78

4.78

Instruments entirely equity in nature

6.61

5.32

5.29

5.28

Other equity

1,242.32

995.32

794.5

556.17

Net-worth

1,254.34

1,005.99

804.57

566.23

Total Income

1,583.93

1,352.69

1,700.30

1,001.51

Revenue from operations

1,559.90

1,337.47

1,674.45

984.46

Revenue Growth (%)

-

(20.12)

70.09

-

EBITDA

488.45

403.37

358.96

97.71

Restated Profit for the period/year

199.27

160.62

197.29

27.67

EPS – Basic (?)

36.98

33.09

41.27

6.26

RONW(%)

21.18%

15.97%

24.52%

4.89%

Return on Assets (%)

8.48%

7.14%

12.85%

3.25%

NAV - (?)

231.84

187.58

168.31

118.45

Cash flow from operating activities

(137.76)

(661.43)

(637.43)

111.48

Cash flow from investing activities

(145.88)

(33.23)

40.42

(72.45)

Cash flow from financing activities

340.37

542.34

312.08

443.59

Objects of the Issue

1 Augmenting the capital base of Subsidiary, Si Creva, to meet its future capital requirements arising out of the growth of Subsidiary, Si Crevas, business 637.50
2 General Corporate Purposes  
  Total 637.50

How to Apply

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  • Step 5

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