Kissht
- Company typePublic
- Founded2015
- HeadquartersMumbai, India
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
Kissht firmographics
Firmographics- Name
- Kissht
- Legal name
- OnEMI Technology Solutions Limited
- Website
- https://kissht.com
- Company type
- Public
- Founded year
- 2015
- Operating status
- Ipo
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
Kissht industry classification
Industry- Product category
- Digital Consumer Lending
- NAICS
- Real Estate Credit (522292)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
- akta.pro secondary industries
- Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value) (FSAGAAAD), Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)
Keywords
Where Kissht is headquartered
LocationHeadquarters
- HQ city
- Mumbai
- HQ country
- India
- HQ region
- Asia
Offices1 record
Markets served
Kissht business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Marketing or Sales, Personnel, Technology or R&D, Infrastructure
Revenue model
- Interest income from on-book lending: Interest earned on loans originated and held on Kissht's own balance sheet via its NBFC subsidiary Si Creva Capital Services, including personal, business and loan-against-property loans.
- Partnership-led loan origination and servicing: Origination, underwriting and servicing fees from 47 partner banks and NBFCs that provide the underlying credit capital; Kissht bears only ~5% of total risk while earning fees on disbursed partner-funded loans.
- Buy-now-pay-later and card-based credit: Revenue from BNPL challenger cards and millennial-focused digital payment/credit products (e.g., 'Ring' brand), issued in partnership with RBL Bank and SBM Bank, generating interchange, fees and interest income.
- Digital gold and auxiliary financial products: Revenue from ancillary in-app products including 'Digital Gold' investments and credit score / credit pulse services offered alongside the core lending app.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Monthly | Personal Loan – up to ₹5 Lakhs, interest from 1% per month, 6–60 month tenure |
| Unit Pricing | Monthly | Business Loan – up to ₹5 Lakhs, instant disbursal |
| Unit Pricing | Monthly | Loan Against Property – up to ₹15 Lakhs, 1-day disbursal |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels9 records
Kissht product offering
Product offeringCore offering
Kissht operates an AI/ML-driven digital lending platform that originates instant personal loans (up to ₹5 Lakhs), business loans for MSMEs (up to ₹5 Lakhs), and loan-against-property (up to ₹15 Lakhs) through a 100% paperless mobile-first journey, routing approved borrowers to a network of 47 partner banks and NBFCs (with its own RBI-registered NBFC arm, Si Creva Capital Services, retaining only ~5% of credit risk). Layered offerings include the Ring (PaywithRING) millennial-focused digital card/BNPL product issued with RBL Bank and SBM Bank, plus Digital Gold investments and in-app credit-score tracking.
Product overview
Kissht is a digital lending platform operated by OnEMI Technology Solutions Limited, structured as a unified consumer fintech app with multiple credit product modules rather than separate standalone products. The core platform (the Kissht app and web portal) delivers three primary loan products — Personal Loan, Business Loan, and Loan Against Property — underwritten through AI/ML and disbursed via a partnership-led model with 47+ bank and NBFC lending partners, with Si Creva Capital Services as the in-house NBFC arm. Layered on top are the millennial-focused Ring (PaywithRING) sub-brand for digital cards and payments, supporting tools such as Credit Score and Credit Pulse, and a Digital Gold investment offering, all accessed through the same digital onboarding and KYC pipeline.
Differentiator
Problem solved
Functional benefit
Brands
- Ring (also referenced as PaywithRING): Millennial-focused digital card and payments app launched alongside the Series E funding, targeting the underserved millennial segment in India with credit-backed cards and payment solutions.
Products and services
- Personal Loan Instant unsecured personal loans for salaried, self-employed, small business owners and MSMEs, with loan sizes up to ₹5 Lakhs, 6-60 month tenures, interest rates starting from 1% per month, and disbursal in as little as 5 minutes through the Kissht mobile app. Available to Indian residents aged 21-60 with PAN, Aadhaar and a selfie KYC.
- Business Loan Instant unsecured business loans up to ₹5 Lakhs for self-employed individuals, small business owners and MSMEs needing working capital, expansion or equipment financing, accessed through the same digital KYC and 5-minute disbursal pipeline as personal loans.
- Loan Against Property Secured loan product offering higher-value funding up to ₹15 Lakhs against property collateral, with 1-day disbursal, available tenures of 6-60 months and interest rates starting from 1% per month, for borrowers with larger financial requirements.
- Ring (PaywithRING) Millennial-focused digital card and payments app under OnEMI Technology Solutions, offering credit-backed cards and BNPL-style payment solutions in partnership with RBL Bank and SBM Bank, targeting underserved Indian millennials with short-tenure, digital-first credit experiences.
- Digital Gold In-app digital gold investment product available through the Kissht platform, listed under the Products navigation as an auxiliary financial services offering alongside the core lending products.
Quantifiable outcome
- Operating income grew 67% YoY to Rs 619 crore in Q4 FY26
- +6 more outcomes
Companies that use Kissht
Customer profileSegments5 records
Ideal customer profiles4 records
Kissht technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability3 records
Feature5 records
Kissht partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered flagship and core.
- Si Creva Capital ServicesflagshipNBFC subsidiary of Kissht / OnEMI Technology Solutions, listed on the website as a 'Financing Partner' and a CRISIL-rated entity. Receives the bulk of fresh IPO proceeds (₹637.5 Cr) to support growth; Kissht bears ~5% of total risk through Si Creva while the rest is funded by partner banks/NBFCs.
- SMFG India CreditcoreListed as one of Kissht's financing partners on the website, participating in the 47-bank/NBFC partnership-led lending network.
- MAS Financial ServicescoreListed as one of Kissht's financing partners on the website, part of the partnership-led lending network.
- Piramal FinancecoreListed as one of Kissht's financing partners on the website, providing credit capital to the partnership-led lending model.
- Suryoday BankcoreListed as one of Kissht's financing partners on the website, part of the 47-bank/NBFC partnership network.
- Utkarsh Small Finance BankcoreListed as one of Kissht's financing partners on the website, with Si Creva Capital Services as an associate partner on its platform.
- Vivriti CapitalcoreListed as one of Kissht's financing partners on the website, providing credit capital to the partnership-led lending model.
- RBL BankcorePartner bank for issuing buy-now-pay-later challenger cards on the Kissht platform, announced as part of the 2022 Series E expansion plan.
- SBM BankcorePartner bank for issuing buy-now-pay-later challenger cards on the Kissht platform, announced as part of the 2022 Series E expansion plan.
- WebEngagecoreMarketing automation and retention partner for Kissht; supports customer engagement, lifecycle messaging and scalable growth for the fintech platform as it prepared for and completed its IPO.
- Sachin TendulkarflagshipCricket legend and brand ambassador featured prominently across Kissht's homepage, app marketing and campaigns such as 'Sapno ko Kaho YES' and 'Legendary Speed, Legendary Trust'; visually anchors the brand's trust and instant-credibility narrative.
- FACE (Fintech Association for Consumer Empowerment) and CIBILcoreIndustry/regulator-aligned partnership highlighted on the website: Kissht supports FACE and CIBIL in safeguarding customer interests and promoting financial education for digital-first borrowers in India.
- CRISIL RatingscoreRating agency that upgraded the credit rating of Si Creva Capital Services (Kissht's NBFC subsidiary) in February 2026 due to strong business momentum, improved profitability and healthy capitalisation.
- BSE (Bombay Stock Exchange)flagshipBSE is one of the listing venues where Kissht (OnEMI Technology Solutions) debuted on 8 May 2026 at a 12% premium over the ₹171 issue price.
- NSE (National Stock Exchange of India)flagshipNSE is one of the listing venues where Kissht (OnEMI Technology Solutions) debuted on 8 May 2026 at an 11.11% premium over the ₹171 issue price.
- JM FinancialflagshipBook-running lead manager for Kissht's ₹926 crore IPO in May 2026, alongside Nuvama Wealth Management.
- Nuvama Wealth ManagementflagshipBook-running lead manager for Kissht's ₹926 crore IPO in May 2026, alongside JM Financial.
Scale indicators22 records
Recent moves7 records
Expansion highlights7 records
Kissht competitors and assessment
Company assessmentDirect peers
- Fibe (formerly EarlySalary): Fibe is one of India's largest digital salary-advance and personal-loan apps, offering small-ticket personal credit lines and instant loans to salaried and self-employed borrowers via a mobile-first flow — directly comparable to Kissht's core personal-loan and business-loan proposition.
- PaySense (LazyPay): PaySense (now part of the LazyPay ecosystem) is an AI-driven digital personal-loan platform offering instant credit to salaried and self-employed consumers in India, with loan sizes in a similar ticket range to Kissht and a comparable mobile-led underwriting journey.
- KreditBee: KreditBee is an India-focused digital lending platform offering small-ticket personal loans (typically up to ₹4–5 Lakh) to young salaried and self-employed borrowers — closely overlapping with Kissht's personal-loan, self-employed and MSME target segments.
- CASHe: CASHe is an AI/ML-driven digital lending platform in India offering instant personal loans to salaried millennials and small-business borrowers via its mobile app — directly comparable to Kissht in product, target segment and digital-only delivery model.
- MoneyTap: MoneyTap is an Indian app-based personal credit-line and loan product backed by banks and NBFCs, with a partnership-led, capital-light structure and AI-driven underwriting that closely mirrors Kissht's bank-NBFC partnership model.
- mPokket: mPokket is a Kolkata-headquartered digital lending app offering small-ticket instant loans to students, salaried employees and young professionals in India — directly overlapping Kissht's salaried, tier-2/3-city, mobile-first borrower base.
- Slice (Uni Cards): Slice is an India-based fintech offering credit cards and personal credit products targeted at young, underserved millennials — a closely comparable digital-first, partnership-funded credit model to Kissht's Ring/BNPL card proposition.
- Flexiloans: Flexiloans is a Mumbai-based AI-driven digital lending platform focused on MSME and small-business loans, with a partnership-led bank/NBFC distribution model — closely comparable to Kissht's business-loan and MSME proposition.
Emerging players
- Navi Technologies: Navi is a broader Indian consumer fintech offering personal loans, home loans, mutual funds and insurance via mobile apps, and was also an early investor in Kissht. It overlaps with Kissht in the digital personal-loan category but operates a wider product portfolio.
Broad incumbents
- Bajaj Finance: Bajaj Finance is one of India's largest diversified NBFCs, with deep personal-loan, business-loan, BNPL/card and consumer-ECL franchise. It serves as the broad incumbent benchmark for the personal/business-loan and EMI-card categories in which Kissht operates.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks7 records
Key highlights7 records
Customer concentration
Kissht social profiles
Digital presenceKissht compliance and trust
Trust signalCompliance3 records
Kissht financial estimates
Financial estimateRevenue estimate
Valuation estimate
Kissht leadership team
Management profileNumber of profiles
Profiles3 records
Kissht subsidiaries and ownership
Company hierarchySubsidiaries1 record
Kissht funding detail
Funding detailFunding overview
Funding rounds8 records
Investors13 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Kissht M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Kissht
What does Kissht do?
Kissht operates an AI/ML-driven digital lending platform that originates instant personal loans (up to ₹5 Lakhs), business loans for MSMEs (up to ₹5 Lakhs), and loan-against-property (up to ₹15 Lakhs) through a 100% paperless mobile-first journey, routing approved borrowers to a network of 47 partner banks and NBFCs (with its own RBI-registered NBFC arm, Si Creva Capital Services, retaining only ~5% of credit risk). Layered offerings include the Ring (PaywithRING) millennial-focused digital card/BNPL product issued with RBL Bank and SBM Bank, plus Digital Gold investments and in-app credit-score tracking.
Is Kissht a public or private company?
Kissht is a public company. It is classified as public and is currently ipo.
When was Kissht founded?
Kissht was founded in 2015. It employs 501 to 1,000 people.
Where is Kissht based?
Kissht is headquartered in Mumbai, India, in the Asia region.
How does Kissht make money?
Four revenue lines are on record. Interest income from on-book lending is the primary driver. The others are partnership-led loan origination and servicing, buy-now-pay-later and card-based credit and digital gold and auxiliary financial products.
Who are Kissht's main competitors?
Direct peers on record are Fibe (formerly EarlySalary), PaySense (LazyPay), KreditBee, CASHe, MoneyTap, mPokket, Slice (Uni Cards) and Flexiloans. Navi Technologies is listed as an emerging player. Bajaj Finance is listed as a broad incumbent.
Does Kissht have an API?
No public API is recorded for Kissht.
What industry is Kissht in?
Kissht's product category is Digital Consumer Lending. Its primary akta.pro industry code is FSAKAAAK, Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment), with a secondary code of FSAGAAAD, Digital Wallets & Account Aggregation Hub (Multi-account, Stored Value). Its NAICS code is 522292 and its SIC code is 6199.