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15 Days Price Change

OnEMI Technology IPO

Closing In

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Issue Size 679.93 Cr
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Price Range 162  to  171 per share
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Min Investment ₹171
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Lot Size 1
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Face Value ₹1
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Draft Prospectus
Invest Before the IPO Goes Live

Buy unlisted shares early and participate in the growth before public listing.

Profile
  • Basic Info
  • IPO Tentative Timetable
  • IPO Lot Size
  • Subscription Status
  • Financials
  • Profit & Loss
  • Balance Sheet
  • Cash Flow
  • Ratios
  • Growth Rates
  • Other info

Overview

Kissht is a technology-enabled lender in India, primarily offering digital loans through its mobile application for various consumption and business needs. We provide swift, accessible and personalized credit solutions to support our customers throughout their financial journeys. We are focused on young individuals within the mass market segment, which according to the 1Lattice Report, represents India’s emerging middle class and is aspirational, digitally connected and underpenetrated in credit access. As of March 31, 2025, we had 53.23 million registered users and served 9.16 million customers, along with a Play Store rating of 4.6 stars based on over 1.00 million user reviews and a net promoter score of 91. Read More

Basic Info

Face Value 1 per share

Price 162  to  171 per share

P/E (x) 5.2

Sales( Cr.) 1337

PAT( Cr.) 161

EPS 33.1

Draft Prospectus

Exchange BSE-NSE

Promoter

Company Promoters

Ranvir Singh Krishnan Vishwanathan

Pre Issue Share Holding 30.89%

Post Issue Share Holding 24.8%

Listing Details:

Listing Price: 191

Listing Gain: 10.47%

Current Price: 272.5

Gain On Issue: 272.5 | 0%

GMP: 18

GMP %: 10.5 %

IPO Tentative Timetable

Opening Date Apr 30, 2026
Closing Date May 05, 2026
Allotment May 06, 2026
Refund May 07, 2026
Delivery of Shares May 07, 2026
Listing Date May 08, 2026

IPO Lot Size

Application Lots Shares Amount
Retail (Min) 1 87 14,877
Retail (Max) 13 1131 193,401
S-HNI (Min) 14 1218 208,278
S-HNI (Max) 67 5829 996,759
B-HNI (Min) 68 5916 1,011,636

Objective of the Issue

1. Augmenting the capital base of our Subsidiary, Si Creva, to meet its future capital requirements arising out of the growth of our Subsidiary, Si Creva’s, business 2. General corporate purposes.

Issue

Category Nos Bid Bid (x)
QIB 11307787 281222802 24.9x
NII 8536339 56084202 6.6x
Retail 19918124 40364172 2x
EMP 0 0 0x
Total 39762250 377671176 9.5x

Net Sales (in cr.)

Total Income (in cr.)

Operating Profit (in cr.)

Net Profit (in cr.)

Shareholder Funds (in cr.)

Total Assets (in cr.)

OnEMI Technology Profit & Loss

#(Fig in Cr.) Mar 2023 Mar 2024 Mar 2025 TTM
Net Sales 984 1674 1337
Other Income 21 26 180
Total Income 1005 1700 1518
Total Expenditure 893 1328 1104
Operating Profit 112 372 413
Interest 70 82 174
Depreciation 18 23 23
Exceptional Income / Expenses 0 0 0
Profit Before Tax 24 267 216
Provision for Tax -4 70 56
Profit After Tax 28 197 161
Adjustments 0 0 0
Profit After Adjustments 28 197 161
Adjusted Earnings Per Share 5.8 41.3 29.9

OnEMI Technology Balance Sheet

#(Fig in Cr.) Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 566 805 1006
Minority's Interest 0 0 0
Borrowings 20 169 269
Other Non-Current Liabilities -58 -87 -72
Total Current Liabilities 692 863 1415
Total Liabilities 1220 1749 2618
Fixed Assets 66 57 53
Other Non-Current Assets 33 160 374
Total Current Assets 1121 1532 2191
Total Assets 1220 1749 2618

OnEMI Technology Cash Flow

#(Fig in Cr.) Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 87 570 285
Cash Flow from Operating Activities 111 -637 -661
Cash Flow from Investing Activities -72 40 -33
Cash Flow from Financing Activities 444 312 542
Net Cash Inflow / Outflow 483 -285 -152
Closing Cash & Cash Equivalent 570 285 133

OnEMI Technology Ratios

# Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 5.79 41.27 29.95
CEPS(Rs) 9.52 46.06 34.18
DPS(Rs) 0 0 0
Book NAV/Share(Rs) 104.17 145.13 159.91
Core EBITDA Margin(%) 9.26 20.67 17.42
EBIT Margin(%) 9.54 20.85 29.22
Pre Tax Margin(%) 2.43 15.97 16.17
PAT Margin (%) 2.81 11.78 12.01
Cash Profit Margin (%) 4.62 13.15 13.71
ROA(%) 2.27 13.29 7.36
ROE(%) 5.56 33.11 20.71
ROCE(%) 9.85 27.46 19.05
Receivable days 24.39 24.87 31.73
Inventory Days 0 0 0
Payable days 0 0 0
PER(x) 0 0 0
Price/Book(x) 0 0 0
Dividend Yield(%) 0 0 0
EV/Net Sales(x) -0.27 0.28 1.03
EV/Core EBITDA(x) -2.36 1.28 3.32
Net Sales Growth(%) 0 70.09 -20.12
EBIT Growth(%) 0 271.6 11.91
PAT Growth(%) 0 613.09 -18.59
EPS Growth(%) 0 613.09 -27.44
Debt/Equity(x) 0.77 1.12 1.75
Current Ratio(x) 1.62 1.78 1.55
Quick Ratio(x) 1.62 1.78 1.55
Interest Cover(x) 1.34 4.27 2.24
Total Debt/Mcap(x) 0 0 0

Sihora Industries Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR -20% 0% 0% 0%
Operating Profit CAGR 11% 0% 0% 0%
PAT CAGR -18% 0% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR NA% NA% NA% NA%
ROE Average 21% 20% 20% 20%
ROCE Average 19% 19% 19% 19%

Company Contact Information

OnEMI Technology Solutions Ltd.

Shraddha Patangia

+91 22 6947 5600

compliance@kissht.com

10th Floor, Tower 4, Equinox Park L B S Marg Kurla (West)

IPO Lead Manager(s)

OnEMI Technology Solutions Ltd.

JM Financial Ltd.

HSBC Securities and Capital Markets (India) Pvt Ltd.

Nuvama Wealth Management Ltd.

SBI Capital Markets Ltd

Centrum Capital Ltd

Registrar Info

OnEMI Technology Solutions Ltd.

KFIN Technologies Ltd.

301, The Centrium, 3rd Floor, 57, Lal Bahadur Shastri Road, Nav Pada, Kurla (West), Kurla, Mumbai, Mumbai, Maharashtra, India, 400070

Frequently Asked Questions

All You Need To Know About IPO

When you leave without vesting, generally unvested ESOPs are cancelled. Vested ESOPs usually can be exercised after you depart, often within 3 to 6 months, depending on the company's ESOP plan.

For companies listed on a stock exchange, you can sell the shares any time after you exercise the ESOP option and the shares are in your demat account. If the company is unlisted or otherwise a startup, you can only sell the shares if and when the company announces a buyback or has a process for secondary sales.

Whenever you exercised your options to hold shares, you entered into a market risk situation, and if the valuation of the company drops, so do the shares.

Yes. ESOPs are valuable to the employer in that the employer is able to retain the best talent, align employee interests with company goals, and preserve cash while rewarding performance.

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