Incorporated in 2016, OnEMI Technology Solutions Limited operates as a technology-enabled lending platform in India, offering digital credit solutions through its mobile applications. The company operates under the brands Kissht (digital lending platform) and Ring (payments application), through which it delivers its services. It empowers online and offline merchants by enabling seamless consumer credit solutions and EMI-based payment options. Loan disbursement, KYC processes, and EMI collections are handled by its NBFC partner, Si Creva Capital Services. As of 31 December 2025, the platform reported 63.73 million registered users and had served 11.17 million customers, with assets under management (AUM) recorded at ₹59,557.53 million.
The company’s product portfolio includes personal loans for salaried and self-employed individuals, loan against property, and MSME loans intended for business expansion and working capital needs. Its operations are centred on a digital-first framework that integrates processes such as customer onboarding, credit assessment, disbursal, and collections within a unified system. The platform is designed to reduce turnaround time for loan processing from weeks to minutes by minimising manual intervention and documentation requirements. Through its applications, the company provides credit access to individuals and small businesses, supported by a cloud-based platform, multi-channel acquisition, and risk management systems.