Onemi Technology Solutions Ltd (KISSHT)

Overview

OnEMI Technology Solutions Limited operates as a leading digital lending platform in India, primarily through its Kissht app. The company provides instant access to a variety of credit products aimed at India's emerging middle class and underserved customers. Through the utilization of proprietary AI, data analytics, and alternative credit scoring, the platform effectively connects borrowers with banks and Non-Banking Financial Companies (NBFCs), including its wholly-owned subsidiary, Si Creva Capital Services. By enabling quick approvals with minimal documentation, OnEMI plays a crucial role in expanding financial access through technology-driven lending solutions. Founded in 2016 and headquartered in Mumbai, Maharashtra, OnEMI focuses on providing seamless digital processing for loan applications, catering to both personal and business financial needs.

Products and Services

• Unsecured Personal Loans

  These loans are designed for individuals who require quick funds without the need for collateral. The application process is straightforward, requiring only basic verification, enabling speedy disbursement for emergencies or personal needs.

• Business Loans

  This service targets small businesses looking for financial support to facilitate growth or manage operational costs. Kissht offers tailored products that meet the unique needs of petty merchants and self-employed professionals.

• Secured Loans Against Property

  For those who possess property and seek larger loan amounts, OnEMI provides secured loans. These loans typically come with reduced interest rates due to the collateral backing, ensuring higher funding limits for borrowers.

• Kissht App

  The Kissht mobile application serves as the primary interface for users to access various loan products. Available on both Android and iOS platforms, it facilitates easy loan applications and provides a user-friendly experience with rapid fund disbursement directly to bank accounts.

• AI and Data Analytics Solutions

  OnEMI leverages advanced technology to enhance its lending processes. The platform utilizes alternative credit scoring and extensive data analytics to assess borrower profiles, ensuring accurate decision-making and customized loan offerings.

• Quick Approvals and Minimal Documentation

  The unique selling proposition of Kissht lies in its capability to provide quick loan approvals with minimal documentation requirements. Users only need to provide essential identification, such as PAN, Aadhaar, and a selfie, making the borrowing process efficient and user-friendly.