OnEMI Technology Solutions Limited is an India-based technology-enabled consumer-finance and digital-lending company that operates the Kissht and PaywithRING brands. The Company provides unsecured personal loans; business and MSME loans; small-ticket and short-tenure consumer credit; digital EMI-based payment and financing solutions for consumers and merchants; and secured loans against property. Its offerings are delivered through mobile-led digital platforms using alternative credit-scoring, data analytics, digital know-your-customer processes, automated underwriting and direct bank-transfer capabilities, with a focus on underserved, new-to-credit, retail and small-business borrowers across India. The Company’s wholly owned non-banking financial company subsidiary, Si Creva Capital Services Private Limited, originates and provides lending products and supports the group’s regulated credit operations; the Company also operates technology, customer-servicing, back-office and financial-product intermediation capabilities. OnEMI Technology Solutions Limited was incorporated in 2016, converted from a private to a public limited company in July 2025, and is headquartered in Mumbai, Maharashtra, India. Recent developments include its initial public offering and listing on the BSE and NSE in May 2026; a ₹6.375 billion capital infusion approved in May 2026 into Si Creva Capital Services through a rights issue to strengthen the subsidiary’s capital base and support business growth; the incorporation of wholly owned subsidiary Invincible Minds Private Limited in June 2026; and a proposed expansion of its memorandum of association to encompass software-platform development, mobile applications, web interfaces, payment gateways, digital marketplaces, credit-institution information-processing and outsourced financial-services support.