OnEMI Technology Solutions Limited operates a digital lending platform (Kissht) focused on India’s mass market. It provides personal loans, loan against property (LAP), and instant EMI solutions through its apps like Kissht and Pay with Ring. The company earns revenue through interest income, loan origination, customer acquisition services, and fintech partnerships with lenders.

The Company is led by Promoter, i.e.,KALPESH DHANJIBHAI PATEL, KANUBHAI PATEL AND VASANTKUMAR NARAYANBHAI PATEL

The Revenues from operations for the Period ended on Dec 31 2026, and Fiscals ended on Mar 31, 2025, 2024 and 2023 were ₹ 15,839.28 Lakh, ₹ 13,526.88 Lakh, ₹ 17,003.02 Lakh, and ₹ 10,015.05 Lakh, The EBITDA for the Period ended on Dec 31 2026, and Fiscals ended on Mar 31, 2025, 2024 and 2023 were ₹ 4,884.53 Lakh, ₹ 4,033.68 Lakh, ₹ 3,589.58 Lakh, and ₹ 977.11 Lakh, The Profit after Tax for the Period ended on Dec 31 2026, and Fiscals ended on Mar 31, 2025, 2024 and 2023 were were ₹ 1,992.69 Lakh, ₹ 1,606.21 Lakh, ₹ 1,972.90 Lakh, and ₹ 276.67 Lakh, respectively. This indicates a steady growth in financial performance.

The Company Key Performance Indicates the pre-issue  EPS of ₹ 12.79 and post-issue EPS of ₹ 9.53 for FY25. The pre-issue P/E ratio is 13.37x,while the post-issue P/E ratio is 17.94x against the Industry P/E ratio is 4.88x The company's ROE for FY25 is 17.74% and RoNW is 15.97%The Annualised EPS is ₹ 10.84x and P/E is ₹ 19.23x ,  These metrics suggest that the IPO is Fully priced.

 
The Grey Market Premium (GMP) of OnEMI Technology Solutions showing listing gains of 0%.Given the company's financial performance and the valuation of the IPO, we recommend  Investors to Avoid to the OnEMI Technology Solutions Limited, IPO for Listing gain or Long Term Purposes.