OnEMI Technology Solutions Private Limited is a technology-enabled lender based in India. It was incorporated on June 18, 2016. It is a digital lender that offers loans through its mobile application for various consumption and business needs. The company operates under the brand names ‘Kissht’ (digital lending platform) and ‘Ring’ (payment application). It enables online and offline merchants with seamless consumer credit solutions and EMI-based payment solutions. Its NBFC partner is ‘Si Creva Capital Services,’ which handles loan disbursements, KYC, and EMI collections. As of March 31, 2025, the company had 53.23 million registered users and served 9.16 million customers. It also had a rating of 4.6 stars on the Play Store based on over 1.00 million user reviews. It also had a net promoter score of 91. Products: Personal Loans: It offers personal loans to salaried as well as self-employed individuals for meeting various consumption and business needs. Loan against Property: It offers loan against property to asset-holding MSME and salaried individuals who seek long-term loans for business growth and working capital requirements. As of March 31, 2025, the company had 1,278 permanent employees.