OnEMI Technology Solutions Limited, founded in 2015, is a prominent Indian fintech company operating digital consumer lending platforms Kissht and Ring.
The company specializes in providing instant, hassle-free credit to underserved, lower-income, and non-salaried segments across India through an alternate data-driven underwriting model. Headquartered in Mumbai, it operates its credit business via its RBI-registered Non-Banking Financial Company (NBFC) subsidiary, Si Creva Capital Services.;