Incorporated on 18 June 2016, OnEMI Technology Solutions Private Limited is a technology-enabled lender in India that primarily offers digital loans through its mobile application for both personal and business needs. The company operates under the brand names Kissht, a digital lending platform, and Ring, a payments app, enabling online and offline merchants to provide seamless consumer credit and EMI-based payment options, while its NBFC partner Si Creva Capital Services manages loan disbursement, KYC, and collections. As of March 31, 2025, the platform had 53.23 million registered users and served 9.16 million customers, with a Play Store rating of 4.6 stars based on over 1 million reviews and a strong net promoter score of 91. The company offers products such as personal loans for salaried and self-employed individuals and loan against property for MSMEs and individuals seeking long-term funding for business expansion and working capital needs.