OnEMI Technology Solutions IPO Price: ₹162 to ₹171 per share
IPO Dates: 30 Apr to 5 May, 2026
Company Overview
Incorporated in 2016, OnEMI Technology Solutions Limited is a technology-enabled lender in India, primarily offering digital loans through its mobile application for various consumption and business needs.
Business Model
The company operates under the brand names Kissht (digital lending platform) and Ring (payments app). It empowers online and offline merchants with seamless consumer credit solutions and EMI-based payments. Its NBFC partner, Si Creva Capital Services, handles loan disbursement, KYC, and EMI collections.
Scale & Operations
As of Dec 31, 2025, the company has 63.73 million registered users and has served 11.17 million customers. Its Assets Under Management (AUM) stood at ₹59,557.53 million.
Product Portfolio
The company offers:
- Personal loans (for salaried and self-employed individuals)
- Loan against property
- MSME loans for business expansion and working capital requirements
Competitive Strengths
- Large customer base through a diversified multi-channel acquisition strategy
- Strong asset quality driven by advanced risk management systems
- Access to diversified and scalable funding sources
- Scalable, cloud-native and AI-driven technology platform
- Experienced founders and leadership backed by marquee investors
Bidding Starts In
OnEMI Technology Solutions IPO Specifics:
| IPO Date | 30 Apr to 5 May, 2026 |
| Listing Date | Fri, May 8, 2026 (T) |
| Face Value | ₹1 per share |
| Price Band | ₹162 to ₹171 |
| Lot Size | 87 Shares |
| Sale Type | Fresh capital cum OFS |
| Issue Type | Bookbuilding IPO |
| Listing At | BSE, NSE |
| Total Issue Size | 5,41,47,390 shares (agg. up to ₹926 Cr) |
| Fresh Issue | 4,97,07,602 shares (agg. up to ₹850 Cr) |
| Offer for Sale | 44,39,788 shares of ₹1 (agg. up to ₹76 Cr) |
| Share Holding Pre Issue | 11,87,75,420 shares |
| Share Holding Post Issue | 16,84,83,022 shares |
Om PoOnEMI Technology Solutions IPO Timetable (Important Dates)
| Event | Date |
|---|---|
| IPO Open | Thu, Apr 30, 2026 |
| IPO Close | Tue, May 5, 2026 |
| Allotment | Wed, May 6, 2026 |
| Refund | Thu, May 7, 2026 |
| Credit of Shares | Thu, May 7, 2026 |
| Listing | Fri, May 8, 2026 |
OnEMI Technology Solutions IPO Lot Size
Bidders have the opportunity to bid for a minimum of 85 shares, with the option to increase in multiples. The table below outlines the minimum and maximum investment thresholds for both retail investors and High Net Worth Individuals (HNIs), specifying the corresponding number of shares and amounts involved.
| Application | Lots | Shares | Amount |
|---|---|---|---|
| Retail (Min) | 1 | 87 | ₹14,877 |
| Retail (Max) | 13 | 1,131 | ₹1,93,401 |
| S-HNI (Min) | 14 | 1,218 | ₹2,08,278 |
| S-HNI (Max) | 67 | 5,829 | ₹9,96,759 |
| B-HNI (Min) | 68 | 5,916 | ₹10,11,636 |
OnEMI Technology Solutions IPO Reservation
| QIB Shares Offered | Not more than 50% of the Net Offer |
| Retail Shares Offered | Not less than 35% of the Net Offer |
| NII (HNI) Shares Offered | Not less than 15% of the Net Offer |
OnEMI Technology Solutions IPO Financial Information
| Particulars (₹ Cr) | 31 Dec 2025 | 31 Mar 2025 | 31 Mar 2024 | 31 Mar 2023 |
|---|---|---|---|---|
| Assets | 3,568.78 | 2,701.10 | 1,796.53 | 1,275.20 |
| Total Income | 1,583.93 | 1,352.69 | 1,700.30 | 1,001.51 |
| Profit After Tax | 199.27 | 160.62 | 197.29 | 27.67 |
| EBITDA | 488.45 | 403.37 | 358.96 | 97.71 |
| Net Worth | 1,254.34 | 1,005.99 | 804.57 | 566.23 |
| Reserves & Surplus | 1,242.32 | 995.32 | 794.50 | 556.17 |
| Total Borrowing | 2,047.52 | 1,507.58 | 784.30 | 387.89 |
Key Performance Indicator – OnEMI Technology Solutions IPO
| KPI | Value |
|---|---|
| ROE | 17.74% |
| Debt/Equity | 1.50 |
| RoNW | 15.97% |
| Price to Book Value | 0.91 |
| EPS (₹) | 13.52 |
| P/E (x) | 12.65 |
| Promoter Holding | 32.30% |
| Market Cap | ₹2,881.06 Cr. |
Prospectus Links:
Prospectus: Official documents that provide detailed information about the IPO and the company.
OnEMI Technology Solutions IPO DRHP
Kaashika is a social media strategist and financial content creator at Lakshmishree. She specialises in simplifying complex IPO and stock market concepts into clear, easy-to-understand content. Having created over 500+ pieces of financial content across reels, blogs, website posts and digital creatives, Kaashika helps audiences connect with the world of finance in a more accessible and engaging way.
