OnEMI Technology IPO Review 2026: Price, Dates, Financials, Should You Invest?

OnEMI Technology IPO is a book-built issue worth ₹925.92 crore, consisting of a fresh issue of ₹850.00 crore and an offer for sale of ₹75.92 crore. The IPO opens on April 30, 2026, and closes on May 5, 2026, with tentative listing on BSE and NSE on May 8, 2026.

The IPO is priced in the range of ₹162 to ₹171 per share, with a minimum investment of ₹14,877 for retail investors. OnEMI Technology Solutions Ltd. is a technology-enabled lender offering digital loans and EMI-based payment solutions.

Let us understand the OnEMI Technology IPO in detail.

OnEMI Technology IPO - Key Details 2026

The following are some of the important and key details about the OnEMI Technology IPO.

OnEMI Technology IPO Timeline

The following table explains the tentative IPO schedule.

OnEMI Technology IPO Lot Size & Investment

The following table shows the minimum and maximum investment required.

About OnEMI Technology Solutions Ltd. Business Operations

Incorporated in 2016, OnEMI Technology Solutions Ltd. is a technology-enabled lender in India, offering digital loans through its mobile applications for consumption and business needs.

The company operates under the brands Kissht and Ring, providing consumer credit solutions and EMI-based payments across online and offline merchant ecosystems. Its NBFC partner, Si Creva Capital Services, manages loan disbursement, KYC, and EMI collections.

As of December 31, 2025:

• 63.73 million registered users
• 11.17 million customers served
• AUM stood at ₹59,557.53 million

The product portfolio includes:

• Personal loans
• Loan against property
• MSME loans

Business Segments of OnEMI Technology Solutions Ltd.

The company operates primarily in digital lending and financial technology services:

• Consumer lending through digital platforms
• Merchant credit solutions and EMI-based payments

Competitive Strengths of OnEMI Technology Solutions Ltd.

The following are the key strengths of the company:

• Large customer base through multi-channel acquisition
• Advanced risk management systems for asset quality
• Diversified and scalable funding sources
• Scalable, cloud-native, and AI-built technology platform
• Experienced founders and leadership team

OnEMI Technology Solutions Ltd. – Financial Performance

The following table shows restated consolidated financials.

Key insight

The company has shown growth in profitability and EBITDA across the reported periods, with a variation in income.

Key Performance Indicators (KPI)

The following table highlights important valuation and profitability metrics:

Objects of the Issue

The following explains how IPO proceeds will be used.

Fresh capital will be used to strengthen the capital base of the subsidiary and support future growth.

Valuation Snapshot

The following table shows EPS and P/E comparison.

Risks to Consider

Investors should be aware of the following risks.

• Dependence on digital lending business performance
• Exposure to credit and asset quality risks
• Regulatory risks in the financial services sector
• Competition in fintech and lending ecosystem

Summary

OnEMI Technology Solutions Ltd. operates in the digital lending and fintech space, offering consumer and business loans through technology platforms. The company has a large user base, diversified product offerings, and a scalable business model supported by technology infrastructure.

The IPO consists of a mix of fresh issue and OFS, with proceeds primarily allocated towards strengthening the subsidiary’s capital base and supporting growth. Financial performance reflects profitability growth and operational scale.

This IPO may appeal to investors looking for:

• Exposure to digital lending and the fintech sector
• A company with a large customer base and a scalable platform
• Participation in technology-driven financial services

Disclaimer

This content is for informational and educational purposes only and does not constitute investment advice. UnlistedKraft is not responsible for any losses arising from investment decisions based on this content. Readers should conduct their own research and consult qualified professionals before investing. IPO is expected to list on May 8, 2026, on BSE and NSE.

Frequently Asked Questions

What is the OnEMI Technology IPO?

OnEMI Technology IPO is a main-board IPO of ₹925.92 crore, consisting of a fresh issue and offer for sale, priced at ₹162–₹171 per share.

When does the OnEMI Technology IPO open?

The OnEMI Technology IPO opens on April 30, 2026, and closes on May 5, 2026.

What is the lot size of the OnEMI Technology IPO?

The minimum lot size of the OnEMI Technology IPO is 87 shares.

Is OnEMI Technology Solutions Ltd. profitable?

Yes, OnEMI Technology Solutions Ltd. has reported profits across the reported financial periods, including FY23, FY24, FY25, and the latest interim period.

Who are the promoters of OnEMI Technology Solutions Ltd.?

The promoters of OnEMI Technology Solutions Ltd. are Ranvir Singh and Krishnan Vishwanathan.

What does OnEMI Technology Solutions Ltd. do?

OnEMI Technology Solutions Ltd. provides digital lending, consumer credit, and EMI-based payment solutions through its technology platforms.

Author: Komal Bhatt

Komal Bhatt is a finance content writer at InvestKraft, specialising in well-researched articles on financial products, stock markets, and investment opportunities, with a particular focus on unlisted shares.

She holds a Master’s degree in Commerce from the University of Delhi, which gives her a solid academic foundation in finance and business. With over three years of hands-on experience in creating digital finance content, Komal has developed a clear understanding of investor needs through her work on wealth management, NISM certification programs, and market education materials.

Komal is passionate when it comes to breaking down complex financial concepts into simple, accurate and actionable insights. Her goal is to help everyday investors understand markets better and make more informed decisions based on reliable, research-backed information.