{"id":16308,"date":"2026-05-05T11:53:07","date_gmt":"2026-05-05T06:23:07","guid":{"rendered":"https:\/\/www.torusdigital.com\/toruscope\/?p=16308"},"modified":"2026-05-05T11:53:16","modified_gmt":"2026-05-05T06:23:16","slug":"onemi-technology-ipo-opens-key-details-investors-shouldnt-miss","status":"publish","type":"post","link":"https:\/\/www.torusdigital.com\/toruscope\/news\/onemi-technology-ipo-opens-key-details-investors-shouldnt-miss\/","title":{"rendered":"OnEMI Technology IPO Opens: Key Details Investors Shouldn\u2019t Miss"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section el_id=&#8221;blog-inner-layout&#8221;][vc_row overlay_dotted=&#8221;&#8221;][vc_column el_class=&#8221;blog_primary&#8221;][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;&#8221;]<\/p>\n<div class=\"flex flex-col text-sm pb-25\">\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"2d704d44-fd64-42c6-bcdc-2f43628167d3\" data-testid=\"conversation-turn-16\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"629c3ed0-f800-4c13-a884-fae5f620656d\" data-message-model-slug=\"gpt-5-2-thinking\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<div class=\"flex flex-col text-sm pb-25\">\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-6983268a-f9d0-83a3-a8d3-6d3ee62149e4-0\" data-testid=\"conversation-turn-18\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"2e1eba92-cc1e-4335-ad7e-eac92a73e54d\" data-message-model-slug=\"gpt-5-2-thinking\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<div class=\"flex flex-col text-sm pb-25\">\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-6983268a-f9d0-83a3-a8d3-6d3ee62149e4-0\" data-testid=\"conversation-turn-22\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"0537bf50-da28-4255-a8d0-f38a39fdb264\" data-message-model-slug=\"gpt-5-2\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<div class=\"text-base my-auto mx-auto [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"0537bf50-da28-4255-a8d0-f38a39fdb264\" data-message-model-slug=\"gpt-5-2\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<div class=\"flex max-w-full flex-col grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"a9eb94cf-6376-4f55-be55-c60a4d35d0be\" data-message-model-slug=\"gpt-5-3\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<p data-start=\"230\" data-end=\"661\">India\u2019s IPO market continues to remain vibrant in 2026, with strong participation from both <a href=\"https:\/\/www.torusdigital.com\/stocks\/sectors\/retail\">retail<\/a> and institutional investors. Fintech and digital lending companies are gaining significant attention as the adoption of digital financial services accelerates across the country. Rising internet penetration, increasing credit demand, and the growth of alternative lending platforms are shaping the next phase of financial inclusion.<\/p>\n<p data-start=\"663\" data-end=\"846\">Against this backdrop, <strong data-start=\"686\" data-end=\"724\">OnEMI Technology Solutions Limited<\/strong> is set to open its IPO on April 30, 2026. Here is a detailed insight into the company, its IPO, and the industry outlook.<\/p>\n<hr data-start=\"848\" data-end=\"851\" \/>\n<h2 data-section-id=\"qyjwgm\" data-start=\"853\" data-end=\"897\"><span class=\"ez-toc-section\" id=\"About_OnEMI_Technology_Solutions_Ltd\"><\/span><span role=\"text\"><strong data-start=\"856\" data-end=\"897\">About OnEMI Technology Solutions Ltd.<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"899\" data-end=\"1085\">Incorporated in 2016, OnEMI Technology Solutions Limited is a technology enabled lending platform that offers digital loans to individuals and businesses through its mobile applications.<\/p>\n<p data-start=\"1087\" data-end=\"1132\">The company operates under well-known brands:<\/p>\n<ul data-start=\"1133\" data-end=\"1212\">\n<li data-section-id=\"1wkgwhp\" data-start=\"1133\" data-end=\"1175\"><strong data-start=\"1135\" data-end=\"1145\">Kissht<\/strong>, a digital lending platform<\/li>\n<li data-section-id=\"wr89lw\" data-start=\"1176\" data-end=\"1212\"><strong data-start=\"1178\" data-end=\"1186\">Ring<\/strong>, a payments application<\/li>\n<\/ul>\n<p data-start=\"1214\" data-end=\"1430\">OnEMI provides seamless credit solutions to consumers and merchants, enabling EMI based purchases both online and offline. Its NBFC partner, Si Creva Capital Services, manages loan disbursement, KYC, and collections.<\/p>\n<p data-start=\"1432\" data-end=\"1456\">As of December 31, 2025:<\/p>\n<ul data-start=\"1457\" data-end=\"1614\">\n<li data-section-id=\"1mc3lte\" data-start=\"1457\" data-end=\"1511\">The company had <strong data-start=\"1475\" data-end=\"1509\">63.73 million registered users<\/strong><\/li>\n<li data-section-id=\"hpxd4l\" data-start=\"1512\" data-end=\"1553\">It served <strong data-start=\"1524\" data-end=\"1551\">11.17 million customers<\/strong><\/li>\n<li data-section-id=\"10t17ck\" data-start=\"1554\" data-end=\"1614\">Its <strong data-start=\"1560\" data-end=\"1612\">Assets Under Management stood at \u20b95,955.75 crore<\/strong><\/li>\n<\/ul>\n<h3 data-section-id=\"z3mho7\" data-start=\"1616\" data-end=\"1641\"><span class=\"ez-toc-section\" id=\"Product_Portfolio\"><\/span><span role=\"text\"><strong data-start=\"1620\" data-end=\"1641\">Product Portfolio<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"1642\" data-end=\"1787\">\n<li data-section-id=\"1jpwyu7\" data-start=\"1642\" data-end=\"1703\">Personal loans for salaried and self employed individuals<\/li>\n<li data-section-id=\"1x0q8lg\" data-start=\"1704\" data-end=\"1729\">Loan against property<\/li>\n<li data-section-id=\"1h3rb0t\" data-start=\"1730\" data-end=\"1787\">MSME loans for business expansion and working capital<\/li>\n<\/ul>\n<h3 data-section-id=\"11tn3vb\" data-start=\"1789\" data-end=\"1818\"><span class=\"ez-toc-section\" id=\"Competitive_Strengths\"><\/span><span role=\"text\"><strong data-start=\"1793\" data-end=\"1818\">Competitive Strengths<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul data-start=\"1819\" data-end=\"2067\">\n<li data-section-id=\"1g17idz\" data-start=\"1819\" data-end=\"1858\">Large and diversified customer base<\/li>\n<li data-section-id=\"18na81i\" data-start=\"1859\" data-end=\"1913\">Advanced risk management systems for asset quality<\/li>\n<li data-section-id=\"1h11n6u\" data-start=\"1914\" data-end=\"1958\">Scalable cloud based technology platform<\/li>\n<li data-section-id=\"kjs37v\" data-start=\"1959\" data-end=\"2012\">Strong funding access through diversified sources<\/li>\n<li data-section-id=\"19ji7hc\" data-start=\"2013\" data-end=\"2067\">Experienced leadership backed by reputed investors<\/li>\n<\/ul>\n<hr data-start=\"2069\" data-end=\"2072\" \/>\n<h2 data-section-id=\"j3vst\" data-start=\"2074\" data-end=\"2119\"><span class=\"ez-toc-section\" id=\"OnEMI_Technology_Solutions_IPO_Details\"><\/span><span role=\"text\"><strong data-start=\"2077\" data-end=\"2119\">OnEMI Technology Solutions IPO Details<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2121\" data-end=\"2255\">OnEMI Technology IPO is a book building issue aggregating to \u20b9925.92 crore. The issue consists of a fresh issue and an offer for sale.<\/p>\n<p data-start=\"2257\" data-end=\"2413\">The company intends to utilise the proceeds primarily to strengthen the capital base of its subsidiary, Si Creva Capital Services, to support future growth.<\/p>\n<hr data-start=\"2415\" data-end=\"2418\" \/>\n<h2 data-section-id=\"1ihmiy6\" data-start=\"2420\" data-end=\"2449\"><span class=\"ez-toc-section\" id=\"Important_IPO_Timeline\"><\/span><span role=\"text\"><strong data-start=\"2423\" data-end=\"2449\">Important IPO Timeline<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"TyagGW_tableContainer\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2451\" data-end=\"2723\">\n<thead data-start=\"2451\" data-end=\"2467\">\n<tr data-start=\"2451\" data-end=\"2467\">\n<th class=\"\" data-start=\"2451\" data-end=\"2459\" data-col-size=\"sm\">Event<\/th>\n<th class=\"\" data-start=\"2459\" data-end=\"2467\" data-col-size=\"sm\">Date<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2484\" data-end=\"2723\">\n<tr data-start=\"2484\" data-end=\"2518\">\n<td data-start=\"2484\" data-end=\"2500\" data-col-size=\"sm\">IPO Open Date<\/td>\n<td data-start=\"2500\" data-end=\"2518\" data-col-size=\"sm\">April 30, 2026<\/td>\n<\/tr>\n<tr data-start=\"2519\" data-end=\"2551\">\n<td data-start=\"2519\" data-end=\"2536\" data-col-size=\"sm\">IPO Close Date<\/td>\n<td data-start=\"2536\" data-end=\"2551\" data-col-size=\"sm\">May 5, 2026<\/td>\n<\/tr>\n<tr data-start=\"2552\" data-end=\"2596\">\n<td data-start=\"2552\" data-end=\"2581\" data-col-size=\"sm\">Allotment Date (Tentative)<\/td>\n<td data-start=\"2581\" data-end=\"2596\" data-col-size=\"sm\">May 6, 2026<\/td>\n<\/tr>\n<tr data-start=\"2597\" data-end=\"2636\">\n<td data-start=\"2597\" data-end=\"2621\" data-col-size=\"sm\">Initiation of Refunds<\/td>\n<td data-start=\"2621\" data-end=\"2636\" data-col-size=\"sm\">May 7, 2026<\/td>\n<\/tr>\n<tr data-start=\"2637\" data-end=\"2680\">\n<td data-start=\"2637\" data-end=\"2665\" data-col-size=\"sm\">Credit of Shares to Demat<\/td>\n<td data-start=\"2665\" data-end=\"2680\" data-col-size=\"sm\">May 7, 2026<\/td>\n<\/tr>\n<tr data-start=\"2681\" data-end=\"2723\">\n<td data-start=\"2681\" data-end=\"2708\" data-col-size=\"sm\">Listing Date (Tentative)<\/td>\n<td data-start=\"2708\" data-end=\"2723\" data-col-size=\"sm\">May 8, 2026<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<hr data-start=\"2725\" data-end=\"2728\" \/>\n<h2 data-section-id=\"fcj67a\" data-start=\"2730\" data-end=\"2752\"><span class=\"ez-toc-section\" id=\"Key_IPO_Details\"><\/span><span role=\"text\"><strong data-start=\"2733\" data-end=\"2752\">Key IPO Details<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"TyagGW_tableContainer\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2754\" data-end=\"3163\">\n<thead data-start=\"2754\" data-end=\"2779\">\n<tr data-start=\"2754\" data-end=\"2779\">\n<th class=\"\" data-start=\"2754\" data-end=\"2768\" data-col-size=\"sm\">Particulars<\/th>\n<th class=\"\" data-start=\"2768\" data-end=\"2779\" data-col-size=\"sm\">Details<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2804\" data-end=\"3163\">\n<tr data-start=\"2804\" data-end=\"2833\">\n<td data-start=\"2804\" data-end=\"2817\" data-col-size=\"sm\">Face Value<\/td>\n<td data-start=\"2817\" data-end=\"2833\" data-col-size=\"sm\">\u20b91 per share<\/td>\n<\/tr>\n<tr data-start=\"2834\" data-end=\"2873\">\n<td data-start=\"2834\" data-end=\"2847\" data-col-size=\"sm\">Price Band<\/td>\n<td data-col-size=\"sm\" data-start=\"2847\" data-end=\"2873\">\u20b9162 to \u20b9171 per share<\/td>\n<\/tr>\n<tr data-start=\"2874\" data-end=\"2898\">\n<td data-start=\"2874\" data-end=\"2885\" data-col-size=\"sm\">Lot Size<\/td>\n<td data-start=\"2885\" data-end=\"2898\" data-col-size=\"sm\">87 Shares<\/td>\n<\/tr>\n<tr data-start=\"2899\" data-end=\"2932\">\n<td data-start=\"2899\" data-end=\"2912\" data-col-size=\"sm\">Issue Type<\/td>\n<td data-start=\"2912\" data-end=\"2932\" data-col-size=\"sm\">Bookbuilding IPO<\/td>\n<\/tr>\n<tr data-start=\"2933\" data-end=\"2984\">\n<td data-start=\"2933\" data-end=\"2952\" data-col-size=\"sm\">Total Issue Size<\/td>\n<td data-col-size=\"sm\" data-start=\"2952\" data-end=\"2984\">5,41,47,390 shares (\u20b9926 Cr)<\/td>\n<\/tr>\n<tr data-start=\"2985\" data-end=\"3010\">\n<td data-start=\"2985\" data-end=\"2999\" data-col-size=\"sm\">Fresh Issue<\/td>\n<td data-start=\"2999\" data-end=\"3010\" data-col-size=\"sm\">\u20b9850 Cr<\/td>\n<\/tr>\n<tr data-start=\"3011\" data-end=\"3038\">\n<td data-start=\"3011\" data-end=\"3028\" data-col-size=\"sm\">Offer for Sale<\/td>\n<td data-col-size=\"sm\" data-start=\"3028\" data-end=\"3038\">\u20b976 Cr<\/td>\n<\/tr>\n<tr data-start=\"3039\" data-end=\"3064\">\n<td data-start=\"3039\" data-end=\"3052\" data-col-size=\"sm\">Listing At<\/td>\n<td data-start=\"3052\" data-end=\"3064\" data-col-size=\"sm\">BSE, NSE<\/td>\n<\/tr>\n<tr data-start=\"3065\" data-end=\"3113\">\n<td data-start=\"3065\" data-end=\"3090\" data-col-size=\"sm\">Shareholding Pre-issue<\/td>\n<td data-start=\"3090\" data-end=\"3113\" data-col-size=\"sm\">11,87,75,420 shares<\/td>\n<\/tr>\n<tr data-start=\"3114\" data-end=\"3163\">\n<td data-start=\"3114\" data-end=\"3140\" data-col-size=\"sm\">Shareholding Post-issue<\/td>\n<td data-start=\"3140\" data-end=\"3163\" data-col-size=\"sm\">16,84,83,022 shares<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<hr data-start=\"3165\" data-end=\"3168\" \/>\n<h2 data-section-id=\"1v7vpf2\" data-start=\"3170\" data-end=\"3209\"><span class=\"ez-toc-section\" id=\"Lot_Size_of_OnEMI_Technology_IPO\"><\/span><span role=\"text\"><strong data-start=\"3173\" data-end=\"3209\">Lot Size of OnEMI Technology IPO<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"TyagGW_tableContainer\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"3211\" data-end=\"3493\">\n<thead data-start=\"3211\" data-end=\"3251\">\n<tr data-start=\"3211\" data-end=\"3251\">\n<th class=\"\" data-start=\"3211\" data-end=\"3225\" data-col-size=\"sm\">Application<\/th>\n<th class=\"\" data-start=\"3225\" data-end=\"3232\" data-col-size=\"sm\">Lots<\/th>\n<th class=\"\" data-start=\"3232\" data-end=\"3241\" data-col-size=\"sm\">Shares<\/th>\n<th class=\"\" data-start=\"3241\" data-end=\"3251\" data-col-size=\"sm\">Amount<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"3292\" data-end=\"3493\">\n<tr data-start=\"3292\" data-end=\"3327\">\n<td data-start=\"3292\" data-end=\"3307\" data-col-size=\"sm\">Retail (Min)<\/td>\n<td data-col-size=\"sm\" data-start=\"3307\" data-end=\"3311\">1<\/td>\n<td data-col-size=\"sm\" data-start=\"3311\" data-end=\"3316\">87<\/td>\n<td data-col-size=\"sm\" data-start=\"3316\" data-end=\"3327\">\u20b914,877<\/td>\n<\/tr>\n<tr data-start=\"3328\" data-end=\"3369\">\n<td data-start=\"3328\" data-end=\"3343\" data-col-size=\"sm\">Retail (Max)<\/td>\n<td data-start=\"3343\" data-end=\"3348\" data-col-size=\"sm\">13<\/td>\n<td data-start=\"3348\" data-end=\"3356\" data-col-size=\"sm\">1,131<\/td>\n<td data-start=\"3356\" data-end=\"3369\" data-col-size=\"sm\">\u20b91,93,401<\/td>\n<\/tr>\n<tr data-start=\"3370\" data-end=\"3410\">\n<td data-start=\"3370\" data-end=\"3384\" data-col-size=\"sm\">S-HNI (Min)<\/td>\n<td data-col-size=\"sm\" data-start=\"3384\" data-end=\"3389\">14<\/td>\n<td data-col-size=\"sm\" data-start=\"3389\" data-end=\"3397\">1,218<\/td>\n<td data-col-size=\"sm\" data-start=\"3397\" data-end=\"3410\">\u20b92,08,278<\/td>\n<\/tr>\n<tr data-start=\"3411\" data-end=\"3451\">\n<td data-start=\"3411\" data-end=\"3425\" data-col-size=\"sm\">S-HNI (Max)<\/td>\n<td data-start=\"3425\" data-end=\"3430\" data-col-size=\"sm\">67<\/td>\n<td data-start=\"3430\" data-end=\"3438\" data-col-size=\"sm\">5,829<\/td>\n<td data-col-size=\"sm\" data-start=\"3438\" data-end=\"3451\">\u20b99,96,759<\/td>\n<\/tr>\n<tr data-start=\"3452\" data-end=\"3493\">\n<td data-start=\"3452\" data-end=\"3466\" data-col-size=\"sm\">B-HNI (Min)<\/td>\n<td data-start=\"3466\" data-end=\"3471\" data-col-size=\"sm\">68<\/td>\n<td data-start=\"3471\" data-end=\"3479\" data-col-size=\"sm\">5,916<\/td>\n<td data-start=\"3479\" data-end=\"3493\" data-col-size=\"sm\">\u20b910,11,636<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<hr data-start=\"3495\" data-end=\"3498\" \/>\n<h2 data-section-id=\"1xyx4sh\" data-start=\"3500\" data-end=\"3549\"><span class=\"ez-toc-section\" id=\"OnEMI_Technology_Solutions_Ltd_Financials\"><\/span><span role=\"text\"><strong data-start=\"3503\" data-end=\"3549\">OnEMI Technology Solutions Ltd. Financials<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3551\" data-end=\"3690\">The company has demonstrated strong growth in assets and profitability, although fluctuations in income have been observed in recent years.<\/p>\n<h3 data-section-id=\"dt80e5\" data-start=\"3692\" data-end=\"3732\"><span class=\"ez-toc-section\" id=\"Key_Company_Financials_%E2%82%B9_Crore\"><\/span><span role=\"text\"><strong data-start=\"3696\" data-end=\"3732\">Key Company Financials (\u20b9 Crore)<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"TyagGW_tableContainer\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"3734\" data-end=\"4250\">\n<thead data-start=\"3734\" data-end=\"3794\">\n<tr data-start=\"3734\" data-end=\"3794\">\n<th class=\"\" data-start=\"3734\" data-end=\"3749\" data-col-size=\"sm\">Period Ended<\/th>\n<th class=\"\" data-start=\"3749\" data-end=\"3760\" data-col-size=\"sm\">Dec 2025<\/th>\n<th class=\"\" data-start=\"3760\" data-end=\"3771\" data-col-size=\"sm\">Mar 2025<\/th>\n<th class=\"\" data-start=\"3771\" data-end=\"3782\" data-col-size=\"sm\">Mar 2024<\/th>\n<th class=\"\" data-start=\"3782\" data-end=\"3794\" data-col-size=\"sm\">Mar 2023<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"3856\" data-end=\"4250\">\n<tr data-start=\"3856\" data-end=\"3910\">\n<td data-start=\"3856\" data-end=\"3865\" data-col-size=\"sm\">Assets<\/td>\n<td data-start=\"3865\" data-end=\"3876\" data-col-size=\"sm\">3,568.78<\/td>\n<td data-start=\"3876\" data-end=\"3887\" data-col-size=\"sm\">2,701.10<\/td>\n<td data-start=\"3887\" data-end=\"3898\" data-col-size=\"sm\">1,796.53<\/td>\n<td data-start=\"3898\" data-end=\"3910\" data-col-size=\"sm\">1,275.20<\/td>\n<\/tr>\n<tr data-start=\"3911\" data-end=\"3971\">\n<td data-start=\"3911\" data-end=\"3926\" data-col-size=\"sm\">Total Income<\/td>\n<td data-start=\"3926\" data-end=\"3937\" data-col-size=\"sm\">1,583.93<\/td>\n<td data-col-size=\"sm\" data-start=\"3937\" data-end=\"3948\">1,352.69<\/td>\n<td data-col-size=\"sm\" data-start=\"3948\" data-end=\"3959\">1,700.30<\/td>\n<td data-col-size=\"sm\" data-start=\"3959\" data-end=\"3971\">1,001.51<\/td>\n<\/tr>\n<tr data-start=\"3972\" data-end=\"4027\">\n<td data-start=\"3972\" data-end=\"3991\" data-col-size=\"sm\">Profit After Tax<\/td>\n<td data-col-size=\"sm\" data-start=\"3991\" data-end=\"4000\">199.27<\/td>\n<td data-col-size=\"sm\" data-start=\"4000\" data-end=\"4009\">160.62<\/td>\n<td data-col-size=\"sm\" data-start=\"4009\" data-end=\"4018\">197.29<\/td>\n<td data-col-size=\"sm\" data-start=\"4018\" data-end=\"4027\">27.67<\/td>\n<\/tr>\n<tr data-start=\"4028\" data-end=\"4073\">\n<td data-start=\"4028\" data-end=\"4037\" data-col-size=\"sm\">EBITDA<\/td>\n<td data-col-size=\"sm\" data-start=\"4037\" data-end=\"4046\">488.45<\/td>\n<td data-col-size=\"sm\" data-start=\"4046\" data-end=\"4055\">403.37<\/td>\n<td data-col-size=\"sm\" data-start=\"4055\" data-end=\"4064\">358.96<\/td>\n<td data-col-size=\"sm\" data-start=\"4064\" data-end=\"4073\">97.71<\/td>\n<\/tr>\n<tr data-start=\"4074\" data-end=\"4127\">\n<td data-start=\"4074\" data-end=\"4086\" data-col-size=\"sm\">Net Worth<\/td>\n<td data-col-size=\"sm\" data-start=\"4086\" data-end=\"4097\">1,254.34<\/td>\n<td data-col-size=\"sm\" data-start=\"4097\" data-end=\"4108\">1,005.99<\/td>\n<td data-col-size=\"sm\" data-start=\"4108\" data-end=\"4117\">804.57<\/td>\n<td data-col-size=\"sm\" data-start=\"4117\" data-end=\"4127\">566.23<\/td>\n<\/tr>\n<tr data-start=\"4128\" data-end=\"4190\">\n<td data-start=\"4128\" data-end=\"4151\" data-col-size=\"sm\">Reserves and Surplus<\/td>\n<td data-col-size=\"sm\" data-start=\"4151\" data-end=\"4162\">1,242.32<\/td>\n<td data-col-size=\"sm\" data-start=\"4162\" data-end=\"4171\">995.32<\/td>\n<td data-col-size=\"sm\" data-start=\"4171\" data-end=\"4180\">794.50<\/td>\n<td data-col-size=\"sm\" data-start=\"4180\" data-end=\"4190\">556.17<\/td>\n<\/tr>\n<tr data-start=\"4191\" data-end=\"4250\">\n<td data-start=\"4191\" data-end=\"4209\" data-col-size=\"sm\">Total Borrowing<\/td>\n<td data-col-size=\"sm\" data-start=\"4209\" data-end=\"4220\">2,047.52<\/td>\n<td data-col-size=\"sm\" data-start=\"4220\" data-end=\"4231\">1,507.58<\/td>\n<td data-col-size=\"sm\" data-start=\"4231\" data-end=\"4240\">784.30<\/td>\n<td data-col-size=\"sm\" data-start=\"4240\" data-end=\"4250\">387.89<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<hr data-start=\"4252\" data-end=\"4255\" \/>\n<h2 data-section-id=\"1or2caz\" data-start=\"4257\" data-end=\"4296\"><span class=\"ez-toc-section\" id=\"Key_Performance_Indicators_KPI\"><\/span><span role=\"text\"><strong data-start=\"4260\" data-end=\"4296\">Key Performance Indicators (KPI)<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"TyagGW_tableContainer\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"4298\" data-end=\"4478\">\n<thead data-start=\"4298\" data-end=\"4327\">\n<tr data-start=\"4298\" data-end=\"4327\">\n<th class=\"\" data-start=\"4298\" data-end=\"4304\" data-col-size=\"sm\">KPI<\/th>\n<th class=\"\" data-start=\"4304\" data-end=\"4315\" data-col-size=\"sm\">Dec 2025<\/th>\n<th class=\"\" data-start=\"4315\" data-end=\"4327\" data-col-size=\"sm\">Mar 2025<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"4358\" data-end=\"4478\">\n<tr data-start=\"4358\" data-end=\"4383\">\n<td data-start=\"4358\" data-end=\"4364\" data-col-size=\"sm\">ROE<\/td>\n<td data-start=\"4364\" data-end=\"4373\" data-col-size=\"sm\">23.51%<\/td>\n<td data-start=\"4373\" data-end=\"4383\" data-col-size=\"sm\">17.74%<\/td>\n<\/tr>\n<tr data-start=\"4384\" data-end=\"4416\">\n<td data-start=\"4384\" data-end=\"4401\" data-col-size=\"sm\">Debt to Equity<\/td>\n<td data-col-size=\"sm\" data-start=\"4401\" data-end=\"4408\">1.63<\/td>\n<td data-col-size=\"sm\" data-start=\"4408\" data-end=\"4416\">1.50<\/td>\n<\/tr>\n<tr data-start=\"4417\" data-end=\"4443\">\n<td data-start=\"4417\" data-end=\"4424\" data-col-size=\"sm\">RoNW<\/td>\n<td data-start=\"4424\" data-end=\"4433\" data-col-size=\"sm\">21.18%<\/td>\n<td data-col-size=\"sm\" data-start=\"4433\" data-end=\"4443\">15.97%<\/td>\n<\/tr>\n<tr data-start=\"4444\" data-end=\"4478\">\n<td data-start=\"4444\" data-end=\"4466\" data-col-size=\"sm\">Price to Book Value<\/td>\n<td data-start=\"4466\" data-end=\"4470\" data-col-size=\"sm\">\u2014<\/td>\n<td data-start=\"4470\" data-end=\"4478\" data-col-size=\"sm\">0.91<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<hr data-start=\"4480\" data-end=\"4483\" \/>\n<h2 data-section-id=\"11y5vmk\" data-start=\"4485\" data-end=\"4516\"><span class=\"ez-toc-section\" id=\"IPO_Objects_of_the_Issue\"><\/span><span role=\"text\"><strong data-start=\"4488\" data-end=\"4516\">IPO Objects of the Issue<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"TyagGW_tableContainer\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"4518\" data-end=\"4683\">\n<thead data-start=\"4518\" data-end=\"4545\">\n<tr data-start=\"4518\" data-end=\"4545\">\n<th class=\"\" data-start=\"4518\" data-end=\"4528\" data-col-size=\"md\">Purpose<\/th>\n<th class=\"\" data-start=\"4528\" data-end=\"4545\" data-col-size=\"sm\">Amount (\u20b9 Cr)<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"4573\" data-end=\"4683\">\n<tr data-start=\"4573\" data-end=\"4642\">\n<td data-start=\"4573\" data-end=\"4632\" data-col-size=\"md\">Capital infusion in subsidiary Si Creva Capital Services<\/td>\n<td data-col-size=\"sm\" data-start=\"4632\" data-end=\"4642\">637.50<\/td>\n<\/tr>\n<tr data-start=\"4643\" data-end=\"4683\">\n<td data-start=\"4643\" data-end=\"4672\" data-col-size=\"md\">General corporate purposes<\/td>\n<td data-col-size=\"sm\" data-start=\"4672\" data-end=\"4683\">Balance<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<hr data-start=\"4685\" data-end=\"4688\" \/>\n<h2 data-section-id=\"4d22j6\" data-start=\"4690\" data-end=\"4746\"><span class=\"ez-toc-section\" id=\"OnEMI_Technology_Solutions_Ltd_Industry_Outlook\"><\/span><span role=\"text\"><strong data-start=\"4693\" data-end=\"4746\">OnEMI Technology Solutions Ltd.: Industry Outlook<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"4748\" data-end=\"5238\">\n<li data-section-id=\"1xju65e\" data-start=\"4748\" data-end=\"4852\">Digital lending in India is witnessing rapid growth due to rising credit demand and fintech adoption<\/li>\n<li data-section-id=\"xj4omv\" data-start=\"4853\" data-end=\"4947\">Increasing smartphone penetration and digital payments are expanding the lending ecosystem<\/li>\n<li data-section-id=\"nlh06s\" data-start=\"4948\" data-end=\"5044\">MSME financing and consumer credit demand continue to rise across urban and semi-urban areas<\/li>\n<li data-section-id=\"cd1zow\" data-start=\"5045\" data-end=\"5134\">AI driven risk assessment and underwriting are improving loan quality and scalability<\/li>\n<li data-section-id=\"1iz7z00\" data-start=\"5135\" data-end=\"5238\">Regulatory frameworks are evolving to support fintech innovation while ensuring consumer protection<\/li>\n<\/ul>\n<hr data-start=\"5240\" data-end=\"5243\" \/>\n<h2 data-section-id=\"9dt57q\" data-start=\"5245\" data-end=\"5262\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><span role=\"text\"><strong data-start=\"5248\" data-end=\"5262\">Conclusion<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"5264\" data-end=\"5541\">OnEMI Technology Solutions Limited operates in the fast-growing fintech and digital lending space with a large user base and scalable technology platform. The company has shown strong growth in assets and profitability, positioning itself well in the evolving credit ecosystem.<\/p>\n<p data-start=\"5543\" data-end=\"5887\">However, investors should consider risks such as high exposure to unsecured lending, significant borrowing levels, and contingent liabilities. Based on its financial performance, the IPO appears fully priced, making it more suitable for well-informed investors with a moderate to high risk appetite and a medium to long term investment horizon.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;][\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner el_id=&#8221;share_rating&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h6>Rate this article<\/h6>\n<!-- FeedbackWP Plugin --><div  class=\"rmp-widgets-container rmp-wp-plugin rmp-main-container js-rmp-widgets-container js-rmp-widgets-container--16308 \"  data-post-id=\"16308\">    <!-- Rating widget -->  <div class=\"rmp-rating-widget js-rmp-rating-widget\">            <div class=\"rmp-rating-widget__icons\">      <ul class=\"rmp-rating-widget__icons-list js-rmp-rating-icons-list\">                  <li class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\" data-descriptive-rating=\"Terrible!\" data-value=\"1\">              <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\"><\/i>          <\/li>                  <li class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\" data-descriptive-rating=\"Bad!\" data-value=\"2\">              <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\"><\/i>          <\/li>                  <li class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\" data-descriptive-rating=\"Okay!\" data-value=\"3\">              <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\"><\/i>          <\/li>                  <li class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\" data-descriptive-rating=\"Good!\" data-value=\"4\">              <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--full-highlight\"><\/i>          <\/li>                  <li class=\"rmp-rating-widget__icons-list__icon js-rmp-rating-item\" data-descriptive-rating=\"Great!\" data-value=\"5\">              <i class=\"js-rmp-rating-icon rmp-icon rmp-icon--ratings rmp-icon--star rmp-icon--half-highlight js-rmp-remove-half-star\"><\/i>          <\/li>              <\/ul>    <\/div>    <p class=\"rmp-rating-widget__hover-text js-rmp-hover-text\"><\/p>    <button class=\"rmp-rating-widget__submit-btn rmp-btn js-submit-rating-btn\">      Submit Rating    <\/button>    <p class=\"rmp-rating-widget__results js-rmp-results \">       <span class=\"rmp-rating-widget__results__rating js-rmp-avg-rating\">4.3<\/span> \/ 5.  <span class=\"rmp-rating-widget__results__votes js-rmp-vote-count\">12<\/span>    <\/p>    <p class=\"rmp-rating-widget__not-rated js-rmp-not-rated rmp-rating-widget__not-rated--hidden\">          <\/p>    <p class=\"rmp-rating-widget__msg js-rmp-msg\"><\/p>  <\/div>  <!--Structured data -->        <\/div>\n<div id=\"emoji-overlay\" style=\"display: none;\">\n<div id=\"overlay-emoji\"><\/div>\n<div id=\"overlay-description\" class=\"emoji-text\"><\/div>\n<\/div>\n<div id=\"rating-popup\">\n<p><span id=\"popup-close\">\u00d7<\/span><\/p>\n<div class=\"popup_message\">\n<div id=\"popup-emoji\"><\/div>\n<div class=\"popup_innermsg\">\n<h5>Thank You for Rating Our Article!<\/h5>\n<p>Your feedback is incredibly valuable to us, and we&#8217;re thrilled to hear your thoughts.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h6>Share this article<\/h6>\n<div class=\"cscra-social square cscra-socials-679c8a1122c00\">\n        <a href=\"\/\/www.facebook.com\/sharer\/sharer.php?u=https%3A%2F%2Fwww.torusdigital.com%2Ftoruscope%2Fnews%2Fonemi-technology-ipo-opens-key-details-investors-shouldnt-miss%2F&t=OnEMI+Technology+IPO+Opens%3A+Key+Details+Investors+Shouldn%E2%80%99t+Miss\" class=\"facebook\" data-toggle=\"tooltip\" data-placement=\"top\" title=\"Share On Facebook\" target=\"_blank\"><i class=\"fa fa-facebook\"><\/i><\/a>\n        <a href=\"\/\/twitter.com\/intent\/tweet?text=OnEMI+Technology+IPO+Opens%3A+Key+Details+Investors+Shouldn%E2%80%99t+Miss&url=https%3A%2F%2Fwww.torusdigital.com%2Ftoruscope%2Fnews%2Fonemi-technology-ipo-opens-key-details-investors-shouldnt-miss%2F\" class=\"twitter\" data-toggle=\"tooltip\" data-placement=\"top\" title=\"Share On Twitter\" target=\"_blank\"><i class=\"fa-brands fa-x-twitter\"><\/i><\/a>\n        <a href=\"https:\/\/api.whatsapp.com\/send?text=OnEMI+Technology+IPO+Opens%3A+Key+Details+Investors+Shouldn%E2%80%99t+Miss - 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Fintech and digital lending companies are gaining significant attention as the adoption of digital financial services accelerates across the country. Rising internet penetration, increasing credit demand, and the growth of alternative lending","protected":false},"author":1,"featured_media":14110,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":"","footnotes":""},"categories":[5,169],"tags":[],"class_list":["post-16308","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ipo","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>OnEMI Technology IPO Opens: Price Band, Details and Review<\/title>\n<meta name=\"description\" content=\"OnEMI Technology IPO offers exposure to India\u2019s digital lending and fintech space. 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