Onemi Technology Solutions Limited · NSE:KISSHT
Onemi Technology Solutions — Q1 FY2027 Earnings Presentation
44 slides from Onemi Technology Solutions's earnings presentation, Jul 29, 2026
Slide 1: Cover letter to stock exchanges
July 29, 2026 To To BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, C-1, Block G Dalal Street, Fort, Mumbai – 400 001 Bandra Kurla Complex Scrip Code - 544754 Bandra (East), Mumbai – 400 051 Symbol - KISSHT Dear Sir / Madam, Subject: Investor Presentati
Slide 2: OnEMI Technology Solutions Limited Earnings Presentation Q1 FY2027
OnEMI Technology Solutions Limited Earnings Presentation Q1 FY2027 Q1 FY2027 Quarterly Results |
Slide 3: Disclaimer
Disclaimer This presentation has been prepared by OnEMI Technology Solutions Limited (“the Company”) for informational purposes only and should not be construed as an offer, invitation, or recommendation to buy or sell any securities of the Company. Certain statements contained in this presentation
Slide 4: Contents
Expanding India’s credit Performance Company Contents horizon through 01 Snapshot 02 Overview technology Pg 05 Pg 07 Risk Management Portfolio Performance 03 Framework 04 and Asset Quality Pg 20 Pg 27 Liability and Financial 05 Capital 06 Performance Pg 31 Pg 37
Slide 5: CEO's Letter
CEOs Letter Building resilience. Scaling trust. Shaping the future of credit. Dear Fellow Shareholders, Q1FY27 marks a landmark quarter in Kissht's journey, Strengthening fundamentals Disciplined Priorities as we successfully completed our listing on the NSE and BSE in May 2026 - the culmination of
Slide 6: Performance Snapshot
01 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Performance Snapshot Q1 FY2027 Quarterly Results |
Slide 7: Metrics of momentum
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Q1 FY27 Snapshot Metrics of momentum 2.25% 0.36% 84.13% 96.82% Asset quality GNPA (Stage 3)1 NNPA1 PCR1 Collection Efficiency (DPD 30) + 13 bps - 139 bp
Slide 8: Company Overview
02 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Company Overview Q1 FY2027 Quarterly Results |
Slide 9: A full-stack digital lending platform, built for India
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Business at a Glance Snapshot A full-stack digital lending 12.25 Mn Customers served ₹8,001 Cr Assets Under Management A-/Stable1 Credit Rating platform
Slide 10: Milestones of impact and innovation
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Our Journey Milestones of impact and innovation 2017 2019 2022 2023 2024 2025 Q1FY27 ~₹10 Cr ~₹300 Cr ~₹400 Cr ₹1,268 Cr ₹2,604 Cr ₹4,087 Cr ₹8,001 Cr 5
Slide 11: Personal Loans and Loan Against Property snapshot
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Enabling credit access across India’s emerging borrower segments Personal Loans (PL) Snapshot Digital-first unsecured lending platform focused on speed,
Slide 12: Borrower profile snapshot
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Borrower profile snapshot Serving the financial aspirations of young Indians in the mass- market & mass-affluent segments Well diversified customer base
Slide 13: Strong customer funnel to support multi-product growth
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Cross sell opportunity Strong customer funnel to support multi-product growth Registered base → active loans funnel - FY 2026 vs FY 2025 Count in Mn New
Slide 14: Multi-channel acquisition strategy
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Multi-channel acquisition strategy Connecting digital reach with diversified sourcing Association with Sachin Tendulkar has strengthened Kissht’s mass-m
Slide 15: Scalable technology platform
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Scalable technology platform Unified cloud-native tech platform seamlessly integrated across all key functions and operations VERTICAL INTEGRATION LEAD
Slide 16: Proprietary AI & GenAI stack
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Proprietary AI & GenAI stack Powering Kissht's credit lifecycle with AI & GenAI Foundational AI/GenAI/Agentic AI Capabilities Multi-Agent AI Team GenAI-
Slide 17: AI deeply engrained in our lending lifecycle
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance AI & Technology AI deeply engrained in our lending lifecycle Offer-selection System development Customer call QC Voice agent recovery +10pp conversion u
Slide 18: Management & Board of Directors
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Management & Board of Directors Visionary leadership and seasoned senior management team Ranvir Singh | Chairman, Director & CEO Krishnan Vishwanathan |
Slide 19: Board of Directors
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Management & Board of Directors Board of Directors Ranvir Singh Krishnan Vishwanathan Piyush Kharbanda Chairman, Director & CEO Director & CFO Nominee D
Slide 20: Shareholding Pattern
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Shareholding Pattern Shareholding - 30th June 2026 Key Institutional Investors Promoters 17.5% 24.8% Domestic Institutional Investors Foreign Institutio
Slide 21: Risk Management Framework
03 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Risk Management Framework Q1 FY2027 Quarterly Results |
Slide 22: Enterprise-wide risk management framework
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Enterprise-wide risk management framework Risk management architecture across the lending lifecycle Key Pillars UNDERWRITING MODELS FRAUD DETECTION SYST
Slide 23: What differentiates Kissht's underwriting?
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Proprietary underwriting framework What differentiates Kissht’s underwriting? Multiple sources of data consumed Bureau data Digi data Banking & Third-pa
Slide 24: Strong risk separation than traditional bureau score
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Strong risk separation than traditional bureau score Kissht models provide 2.5x more risk separation than bureau for loans given to our segment All numb
Slide 25: LAP risk evaluation assessment
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance LAP risk evaluation assessment Hybrid tech + physical underwriting for LAP risk management 1. Existing PL Customer Base 2. Propriety Underwriting Models
Slide 26: Automated Collections System
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Automated Collections System Multi-tiered collection capabilities leveraging our proprietary Automated Collection System (ACS) 1. How the Engine Works E
Slide 27: Collections infrastructure built on our proprietary ACS
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Automated Collections System Collections infrastructure built on our proprietary ACS 2. Scale of infrastructure • 7,000+ agents using it • 60+ underwrit
Slide 28: Portfolio Performance and Asset Quality
04 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Portfolio Performance and Asset Quality Q1 FY2027 Quarterly Results |
Slide 29: Portfolio performance
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Portfolio performance Bounce rate (%) 1st EMI – DPD 90 (%) 13.5% 13.3% 14.0% 13.1% 13.6% 1.6% 1.2% 0.8% 0.7% 0.7% Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun
Slide 30: Asset quality
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Asset quality Stage 2 movement (%) Stage 3/ Gross NPA (%) 3.64 4.11 3.90 3.90 2.92 2.90 3.15 2.12 2.25 2.35 Jun-25 Sep-25 Dec-25 Mar-26 Jun-26 Jun-25 Se
Slide 31: Asset quality | Stage-wise mix & provision coverage
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Asset quality | Stage-wise mix & provision coverage Stage wise Mix Jun-25 Sept-25 Dec-25 Mar-26 Jun-26 AUM Mix Stage 1 Asset 92.5% 93.0% 93.2% 95.5% 94.
Slide 32: Liability and Capital
05 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Liability and Capital Q1 FY2027 Quarterly Results |
Slide 33: Balanced liability profile to build a resilient and scalable business model
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance AUM & Liability Profile Balanced liability profile to build a resilient and scalable business model AUM Mix (%) - Split of On-book & Off-book On-book (A
Slide 34: Diversified sources of funding for on-book debt
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance On-Book Debt profile Diversified sources of funding for on-book debt Lender Base break-up (As on Jun-26) Select lenders By instrument By lender category
Slide 35: Adequately building off-book partnerships
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Off-Book Leveraging Model Adequately building off-book partnerships Off-book AUM – ₹4,284 Cr (As on Jun-26) 4% 100% of the loan amount is 100-0 Arrangem
Slide 36: ALM discipline with positive position in all buckets
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance ALM & Capital Profile ALM discipline with positive position in all buckets. Comfortable CRAR, further enhanced post IPO fund raise ALM Position - Surplu
Slide 37: Strong institutional participation in the IPO
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Listing on NSE AND BSE Strong institutional participation in the IPO Listed on NSE & BSE Select Institutional Investors in IPO 8 May 2026 | LISTING DATE
Slide 38: Financial Performance
06 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Financial Performance Q1 FY2027 Quarterly Results |
Slide 39: AUM profile
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Assets Under Management AUM profile AUM (₹ Cr) AUM Mix (%) Split of PL & LAP (%) 61% 8,001 YoY Growth 13% 7,066 2.5 4.1 5.8 7.3 7.7 5,956 5,533 4,972 97
Slide 40: Financial health snapshot
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Profit & Loss Summary Financial health snapshot Quarterly Profit and Loss Statement Particulars (₹ Cr) Q1FY27 Q4FY26 QoQ% Q1FY26 YoY% Total Income 677 6
Slide 41: Profitability snapshot
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Return on Average Assets Profitability snapshot RoAAUM Tree (Quarterly) DuPont (% of avg. AUM) Q1FY27 Q4FY26 QoQ Δ Q1FY26 YoY Δ Total Income 35.9% 38.4%
Slide 42: Financial position snapshot
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Balance Sheet Summary Financial position snapshot Balance Sheet Overview Particulars (₹ Cr) Jun-26 Mar-26 Jun-25 ASSETS Cash & Cash equivalents 656 209
Slide 43: Glossary & definitions
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Glossary & definitions Term Description Aggregate of current principal outstanding and overdue principal outstanding for all loan assets under managemen
Slide 44: Thank You!
Thank You! Company Investor Relations Registered Office Director and Chief Financial Officer 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla Krishnan Vishwanathan (West), Mumbai 400070, Maharashtra, India Website Company Secretary and Compliance Officer www.kissht.com Shraddha Patangia Email Emai
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