OnEMI Technology Solutions Limited is a technology-first digital lending company that operates under the Kissht brand, providing personal loans and loan against property to salaried and self-employed customers across India through its subsidiary Si Creva Capital Services Private Limited; it also operates Ring as a consumer-facing digital credit platform and is expanding into mutual fund distribution and other financial services through its wholly owned subsidiary Invincible Minds Private Limited. Incorporated in 2016 and headquartered in Mumbai, Maharashtra, the company serves India’s mass-market and mass-affluent segments with a primarily digital origination model, supported by proprietary AI/ML underwriting, extensive collections capabilities, and a network of lending and co-lending partners; its business is organized around unsecured personal lending, secured lending against property, and related financial services distribution. In recent developments, the company completed its IPO and listed on NSE and BSE on May 8, 2026; subsequently infused approximately ₹637.5 crore of IPO proceeds into Si Creva Capital Services Private Limited to strengthen its capital base; incorporated Invincible Minds Private Limited in June 2026 to carry on mutual fund and other financial product distribution; and reported strong Q1FY27 performance with AUM of ₹8,001 crore and PAT of ₹95 crore. OnEMI Technology Solutions Limited was originally incorporated as OnEMI Technology Solutions Private Limited and later converted into a public limited company in 2025.