Kissht Q1FY27 PAT Jumps 59% YoY to ₹95 Cr; AUM Reaches ₹8,001 Cr
Kissht reported Q1 FY27 PAT of ₹95 Cr, up 59% YoY, with AUM at ₹8,001 Cr, up 61% YoY. Cumulative customers reached 12.25 Mn. GNPA improved to 2.25%. Net worth stands at ₹2,245 Cr. The company is on track with its FY27 guidance.
The results show significant financial growth and improved operational metrics, directly impacting investor confidence and company valuation. The successful IPO and capital infusion further amplify the impact.
The company reported strong year-on-year growth in PAT and AUM, improved asset quality, and a strengthened net worth, indicating positive financial performance.
OnEMI Technology Solutions Limited (Kissht) announced its unaudited consolidated and standalone financial results for the quarter ended June 30, 2026. The company reported a Profit After Tax (PAT) of ₹95 Cr, marking a significant year-on-year increase of 59% and a quarter-on-quarter increase of 16%. Assets Under Management (AUM) expanded by 61% year-on-year and 13% quarter-on-quarter to ₹8,001 Cr. The total number of customers served crossed 12.25 million, a 26% year-on-year growth.
Kissht's AUM mix consists of 92.3% unsecured personal loans (PL) amounting to ₹7,384 Cr and 7.7% secured loan against property (LAP) amounting to ₹617 Cr. The company maintains a capital-light, partnership-led origination model with ₹4,284 Cr (53.6% of total) in off-book AUM across 8 partners, and has over 45 active lending and co-lending partners. Asset quality remains strong, with Gross Non-Performing Assets (GNPA) at 2.25% (Stage 3), showing a 139 bps year-on-year improvement. Net Non-Performing Assets (NNPA) stood at 0.36%. The company strengthened its provisioning coverage, with Stage 3 PCR at 84.13% and ECL coverage on Stage 2 assets at 80.44%.
Net worth grew to ₹2,245 Cr, a 107% year-on-year increase, supported by retained earnings, organic profitability, and the Initial Public Offering (IPO) completed in May 2026. The company's Credit Rating is A-/Stable. The IPO, which raised ₹850 Cr, saw a listing premium of 11.7%. Approximately 75% of the primary issue proceeds (~₹637 Cr) were infused as fresh equity into the NBFC subsidiary, Si Creva Capital Services Private Limited, by May 16, 2026.
Mr. Ranvir Singh, Chairman, Director & CEO of Kissht, stated that Q1 FY27 was a landmark quarter with the successful listing on NSE and BSE in May 2026. He highlighted the strong operating momentum with AUM crossing ₹8,000 crore and emphasized a continued focus on underwriting and collections discipline, capital efficiency, and shareholder value creation.
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