Onemi Technology Solutions Limited · NSE:KISSHT
Onemi Technology Solutions — Q2 FY2027 Earnings Presentation
43 slides from Onemi Technology Solutions's earnings presentation, Oct 29, 2026
Slide 1: Cover letter to stock exchanges
October 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 Present
Slide 2: Earnings Presentation Q2 FY2027
OnEMI Technology Solutions Limited Earnings Presentation Q2 FY2027 Q2 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 19 Pg 26 Liability and Financial 05 Capital 06 Performance Pg 30 Pg 36
Slide 5: CEO's Letter
CEO’s Letter Building resilience. Scaling trust. Shaping the future of credit. Dear Fellow Shareholders, Q2FY27 was a quarter of strong growth, healthy Strengthening fundamentals Disciplined Priorities returns and continued execution against our strategic priorities. AUM grew 68% YoY to ₹9,317 • Ass
Slide 6: Performance Snapshot
01 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Performance Snapshot Q2 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 Q2 FY27 Snapshot Metrics of momentum 2.18% 0.34% 84.55% 97.12% Asset quality GNPA (Stage 3)1 NNPA1 PCR1 Collection Efficiency (DPD 30) - 7 bps - 75 bps
Slide 8: Company Overview
02 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Company Overview Q2 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 12.80 Mn Customers served ₹9,317 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 Q2FY27 ~₹10 Cr ~₹300 Cr ~₹400 Cr ₹1,268 Cr ₹2,604 Cr ₹4,087 Cr ₹9,317 Cr 5
Slide 11: Enabling credit access across India's emerging borrower segments
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: Connecting digital reach with diversified sourcing
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 14: 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 15: 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 16: 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 17: 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 18: 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 Chairman, Director & CEO Director & CFO C M M M M C M M Executive
Slide 19: Shareholding Pattern
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Shareholding Pattern Shareholding - 30th September 2026 Key Institutional Investors Promoters 21.6% 23.5% Domestic Institutional Investors Foreign Insti
Slide 20: Risk Management Framework
03 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Risk Management Framework Q2 FY2027 Quarterly Results |
Slide 21: 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 22: 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 23: Agentic Architecture For Early Warning Triggers
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance System-based early warning triggers to identify high-risk customers Agentic Architecture For Early Warning Triggers Signal sources Agentic AI layer Illu
Slide 24: 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. Proprietary Underwriting Mode
Slide 25: 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 26: 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 27: 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 Q2 FY2027 Quarterly Results |
Slide 28: 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 (%) 14.0% 13.6% 13.3% 13.1% 13.4% 1.2% 0.8% 0.7% 0.7% 0.7% Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep
Slide 29: 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 (%) 4.11 3.90 2.92 2.90 3.15 2.12 2.25 2.18 2.35 2.37 Sep-25 Dec-25 Mar-26 Jun-26 Sep-26 Sep-25 De
Slide 30: 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 Sept-25 Dec-25 Mar-26 Jun-26 Sep-26 AUM Mix Stage 1 Asset 93.0% 93.2% 95.5% 94.6% 95.
Slide 31: Liability and Capital
05 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Liability and Capital Q2 FY2027 Quarterly Results |
Slide 32: 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 33: 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 Sep-26) Select lenders By instrument By lender category
Slide 34: 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 – ₹5,118 Cr (As on Sep-26) 5% 100% of the loan amount is 100-0 Arrangem
Slide 35: ALM & 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, well above regulatory requirements. ALM Position - Surplus
Slide 36: ₹832.2 Cr raised through preferential issue
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Equity capital raise ₹832.2 Cr raised through preferential issue Issue Highlights Select investors in the preferential issue Instrument Equity shares Pr
Slide 37: Financial Performance
06 Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Financial Performance Q2 FY2027 Quarterly Results |
Slide 38: 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 (%) 9,317 68% YoY Growth 16% 4.1 5.8 7.3 7.7 7.9 8,001 7,066 5,956 5,533 95
Slide 39: 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) Q2FY27 Q1FY27 QoQ% Q2FY26 YoY% Total Income 740 6
Slide 40: Profitability snapshot
Performance Snapshot Company Overview Risk Management Framework Portfolio Performance and Asset Quality Liability and Capital Financial Performance Return on Average AUM Profitability snapshot RoAAUM Tree (Quarterly) DuPont (% of avg. AUM) Q2FY27 Q1FY27 QoQ Δ Q2FY26 YoY Δ Total Income 34.2% 35.9% -1
Slide 41: 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) Sep-26 Jun-26 Sep-25 ASSETS Cash & Cash equivalents 454 656
Slide 42: 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 43: 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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