Onemi Solutions (KISSHT) — Annual Report

📢 Key Event

Onemi Technology Solutions Ltd (KISSHT) reported FY2025-26 financial results with 73% AUM growth to ₹7,066 crore, 63% revenue growth to ₹2,209 crore, and 75% PAT growth to ₹281 crore, alongside IPO completion in May 2026.

🔄 What Changed
73% YoY AUM growth to ₹7,066 crore; 63% revenue growth to ₹2,209 crore; 75% PAT growth to ₹281 crore; 50% repeat customer AUM share; 25.28% capital adequacy ratio; 2.12% GNPA; 45+ lending partners; IPO completed in May 2026 raising ₹9,259.20 million gross proceeds.

🔮 What's Next

Plans to scale secured lending portfolio with 40%+ AUM growth target through disciplined expansion; focus on Loan Against Property (LAP) expansion; continued AI integration across underwriting and collections; maintains asset-light model with limited FLDG (0-5%); targets 6x personal loan portfolio growth to ₹36.5-39.6 trillion by FY30; emphasizes regulated, capital-efficient growth with no dividend declared for FY2025-26.

💡 Investor Takeaway
The company demonstrates strong growth momentum with improving profitability and asset quality, but investors should monitor macroeconomic risks, regulatory changes, and execution risks in scaling its LAP and secured lending portfolios while maintaining prudent risk management.

Onemi Technology Solutions Ltd (KISSHT) reported a 73% YoY AUM growth to ₹7,066 crore, 63% revenue growth to ₹2,209 crore, and 75% PAT growth to ₹281 crore for FY2025-26, driven by AI-driven lending, expanded Loan Against Property offerings, and a 50% repeat customer AUM share. The company maintains strong capital adequacy (25.28%), low GNPA (2.12%), and a diversified funding model with 45+ lenders. It completed its IPO in May 2026, raising ₹9,259.20 million gross proceeds, and plans to scale its secured lending portfolio while maintaining prudent risk management. Key risks include macroeconomic volatility, regulatory changes, and competitive pressures in India's underpenetrated credit market.

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About Onemi Technology Solutions Ltd (KISSHT)

Consumer Services · E-Commerce/App based Aggregator · Listed on BSE

Market Cap: ₹5,169.9 Cr P/E: 7.3 ROE: 31.4% ROCE: 28.5%

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Source: Stock Announcements. Analysis by StockFin.ai. For informational purposes only — not investment advice.

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