OnEMI Technology Solutions Limited (NSE: KISSHT | BSE: 544754) – Q1 FY27 Unaudited Results

Date: 29 July 2026

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Introduction

On EMI Technology Solutions Limited, listed on the NSE (KISSHT) and BSE (544754), has released its unaudited consolidated and standalone financial results for the quarter ended 30 June 2026 (Q1 FY27). The press release was filed in accordance with SEBI Regulation 30 and is also available on the company’s investor‑relations portal.

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Q1 FY27 Performance Highlights

• Assets Under Management (AUM): ₹8,001 cr, +61 % YoY and +13 % QoQ.
• Cumulative customers served: 12.25 million (+26 % YoY).
• Profit After Tax (PAT): ₹95 cr, +59 % YoY and +16 % QoQ.
• Return on AUM (RoAAUM): 5.05 % (annualised).
• Return on Equity (RoAE): 21.20 % (annualised).
• Diluted EPS: ₹5.9 (vs. ₹4.5 in Q1 FY26, +30 % YoY).
• Diluted BVPS: ₹123.4 as of June 2026.

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Portfolio Mix & Operating Metrics

Metric	Detail
AUM Mix – Secured / Unsecured	Personal Loans (unsecured) – ₹7,384 cr (92.3 % of AUM); Loan Against Property (secured) – ₹617 cr (7.7 %).
AUM Mix – On‑book / Off‑book	Off‑book AUM – ₹4,284 cr (53.6 % of total) across 8 partners; 45+ active lending & co‑lending partners.
Distribution	100 % digital sourcing for personal loans; secured loans delivered via 101 branches in 8 states/UTs.

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Asset Quality & Provisioning

• GNPA (Stage 3): 2.25 % (‑139 bps YoY, +13 bps QoQ).
• NNPA: 0.36 % (+6 bps QoQ), well below the 0.50 % threshold.
• Stage 3 Provision Coverage Ratio (PCR): 84.13 %.
• ECL coverage on Stage 2 assets: 80.44 % (vs. 75.58 % in Q4 FY26).
• Collection Efficiency (DPD 30): 96.82 %.

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Capital Position & IPO Proceeds

• Net Worth: ₹2,245 cr (+107 % YoY, ~4× since March 2023).
• CRAR: 40.2 % (Tier‑1: 39.2 %).
• Debt‑to‑Equity: 0.91×.
• Credit Rating: A‑ (Stable).

IPO Summary (May 2026):

• Issue size: ₹850 cr; overall subscription 9.9× (QIB 25.9×).
• Listing premium: 11.7 % over the upper price band.
• Proceeds utilisation: 75 % of primary issue proceeds (₹637 cr) infused as fresh equity into NBFC subsidiary Si Creva Capital Services Pvt Ltd (as of 16 May 2026).

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Outlook & Guidance for FY27

• Management states the company is on track to achieve FY27 guidance, citing strong operating momentum and disciplined execution.
• No specific numerical guidance is provided in the release; forward‑looking statements are subject to standard risk factors.

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Management Commentary

“Q1FY27 marks a landmark quarter in Kissht's journey, as we successfully completed our listing on the NSE and BSE in May 2026 – the culmination of over a decade of building a technology‑first lending franchise. This milestone was matched by strong operating momentum, with AUM crossing ₹8,000 cr, up 61 % YoY and 13 % QoQ. As a listed entity, we now carry forward the same underwriting and collections discipline that got us here, with a sharper focus on capital efficiency and shareholder value creation.”
— Mr. Ranvir Singh, Chairman, Director & CEO, Kissht

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About OnEMI Technology Solutions Limited (Kissht)

Founded in 2016 and headquartered in Mumbai, Kissht is a technology‑first digital lending platform targeting India’s mass‑market and mass‑affluent segments. Through its NBFC‑middle‑layer subsidiary Si Creva Capital Services Pvt Ltd, the company offers Personal Loans and Loan‑Against‑Property to salaried and self‑employed customers, leveraging an AI/ML underwriting engine that evaluates over 7,200 variables. The firm serves more than 12 million customers and collaborates with 45+ lending and co‑lending partners.

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Safe Harbour: Forward‑looking statements are subject to risks and uncertainties; actual results may differ materially. The company is not obligated to update such statements.

Investor Relations: ir@kissht.com | Company Secretary: compliance@kissht.com | Website: www.kissht.com