Onemi Technology Solutions Limited · NSE:KISSHT
Onemi Technology Solutions — Q4 FY2026 Earnings Presentation
45 slides from Onemi Technology Solutions's earnings presentation, May 28, 2026
Slide 1: Cover letter to stock exchanges
May 28, 2026 To To BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, C-1, Block G Dalal Street, Mumbai – 400 001 Bandra Kurla Complex Scrip Code - 544754 Bandra (East), Mumbai – 400 051 Symbol - KISSHT Dear Sir / Madam, Subject: Investor Presentation on A
Slide 2: Earnings Presentation Q4 FY2026 & FY2026
OnEMI Technology Solutions Limited Earnings Presentation Q4 FY2026 & FY2026 Q4 FY2026 & FY2026 Annual 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 08 Risk Management Portfolio Performance 03 Framework 04 and Asset Quality Pg 21 Pg 28 Liability and Financial 05 Capital 06 Performance Pg 32 Pg 38
Slide 5: CEO's Letter
CEOs Letter Building resilience. Scaling trust. Shaping the future of credit. Dear Fellow Shareholders, FY26 marks a defining milestone in Kissht’s journey as Strengthening fundamentals Disciplined Priorities we present our first quarterly and annual results as a listed company. • Asset Quality: GNP
Slide 6: Performance Snapshot
01 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Performance Snapshot Q4 FY2026 & FY2026 Annual Results |
Slide 7: FY26 Snapshot: Key numbers reflecting progress
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance FY26 Snapshot Key numbers reflecting progress 2.12% 0.29% 86.15% 97.01% Asset quality GNPA (Stage 3)1 NNPA1 PCR1 Collection Efficiency (DPD 30) - 77 bps
Slide 8: Q4 FY26 Snapshot: Metrics of momentum
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Q4 FY26 Snapshot Metrics of momentum 2.12% 0.29% 86.15% 97.15% Asset quality GNPA (Stage 3)1 NNPA1 PCR1 Collection Efficiency (DPD 30) - 78 bps - 77 bps
Slide 9: Company Overview
02 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Company Overview Q4 FY2026 & FY2026 Annual Results |
Slide 10: 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 11.76 Mn Customers served ₹7,066 Cr Assets Under Management A-/Stable1 Credit Rating platform
Slide 11: Bridging India's Credit Access Gap
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Bridging India’s Credit Access Gap At the intersection of large and underpenetrated opportunity Digital lending set to outpace traditional credit growth
Slide 12: 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 2026 ~₹10 Cr ~₹300 Cr ~₹400 Cr ₹1,268 Cr ₹2,604 Cr ₹4,087 Cr ₹7,066 Cr 560
Slide 13: Personal Loans and LAP 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 14: 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 15: 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 16: 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 17: 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 18: 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 GenAI-Augmented Feature St
Slide 19: 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 20: 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 founders and seasoned senior management team Ranvir Singh | Founder & CEO Krishnan Vishwanathan | Founder & CF
Slide 21: 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 Founder & CEO Founder & CFO Nominee Director C M
Slide 22: Risk Management Framework
03 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Risk Management Framework Q4 FY2026 & FY2026 Annual Results |
Slide 23: 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 24: Proprietary underwriting framework
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 25: Kissht models provide 2.5x more risk separation than bureau
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 26: 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 27: 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 28: Collections infrastructure built on 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 29: 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 Q4 FY2026 & FY2026 Annual Results |
Slide 30: 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% 14.0% 13.1% 13.3% 13.1% 1.5% 1.6% 1.2% 0.8% 0.7% Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar
Slide 31: 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 3.53 2.89 2.92 2.90 2.12 2.35 Mar-25 Jun-25 Sep-25 Dec-25 Mar-26 Mar-25 Ju
Slide 32: 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 Mar-25 Jun-25 Sept-25 Dec-25 Mar-26 AUM Mix Stage 1 Asset 93.6% 92.5% 93.0% 93.2% 95.
Slide 33: Liability and Capital
05 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Liability and Capital Q4 FY2026 & FY2026 Annual Results |
Slide 34: Balanced liability profile to build a resilient 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 35: 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 Mar-26) Select lenders By instrument By lender category
Slide 36: 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 – ₹3,510 Cr (As on Mar-26) 1% 100% of the loan amount is 100-0 Arrangem
Slide 37: ALM discipline and capital profile
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 38: 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 39: Financial Performance
06 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Financial Performance Q4 FY2026 & FY2026 Annual Results |
Slide 40: 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 (%) 73% Split of PL & LAP (%) YoY Growth 7,066 19% 1.8 2.5 4.1 5.8 7.3 5,956 5,533 4,972 4,087 98
Slide 41: Profit & Loss Summary
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 Annual Profit and Loss Statement Particulars (₹ Cr) Q4FY26 Q3FY26 Qo
Slide 42: 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) RoAAUM Tree (Annual) DuPont (% of avg. AUM) Q4FY26 Q3FY26 QoQ Δ Q4FY25 YoY Δ FY2
Slide 43: Balance Sheet Summary
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) Mar-26 Dec-25 Mar-25 ASSETS Cash & Cash equivalents 209 189
Slide 44: 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 45: Thank You!
Thank You! Company Investor Relations Registered Office Founder, Chief Financial Officer and Executive Director 10th Floor, Tower 4, Equinox Park, LBS Marg, Krishnan Vishwanathan Kurla (West), Mumbai 400070, India Website Company Secretary and Compliance Officer www.kissht.com Shraddha Patangia Emai
OnEMI Technology Solutions — Q4 FY2026 Earnings Presentation on 6ix