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OnEMI Technology Solutions Limited (Kissht), incorporated in 2016 and headquartered in Mumbai, is a technology-enabled digital lender operating under two brands: Kissht (instant personal loans, small business loans, LAP) and Ring (payments and credit app enabling EMI-based purchases). AUM exceeding ₹40,000 Cr with 53 million+ registered users. Leverages AI-driven credit scoring and alternative data analytics. Operates across 17,000+ pin codes. Revenue ₹1,583.93 Cr, PAT ₹199.27 Cr for 9 months ended Dec 2025. Anchor investors raised ₹277.77 Cr from 22 investors at ₹171 per share including HDFC MF, ICICI Prudential, Goldman Sachs, Bandhan, Sundaram and Tata MF.