OnEMI Technology Solutions Limited Q2 FY27 Earnings Call Transcript Released
OnEMI Technology Solutions Limited's Q2 FY27 earnings call transcript is released. Registered users grew 32.6% YoY to 79.5M, customers served by 22.5% to 12.8M. AUM rose 68.4% YoY to ₹9,317 crore. PAT doubled YoY to ₹125 crore. FY27 AUM growth guidance raised to 60%+; impairment cost reduction expected over 15%.
The announcement includes strong financial results, positive future guidance (raised AUM growth), and indications of improved profitability and asset quality, which are material factors for investors.
The company reported strong year-on-year growth in key metrics like AUM, customers, and profit. They also raised their AUM growth guidance and anticipate significant reduction in impairment costs, indicating a positive outlook.
OnEMI Technology Solutions Limited (Kissht) has released the transcript of its Earnings Conference Call held on October 29, 2026. The call discussed the Unaudited Financial Results for the quarter and half-year ended September 30, 2026. During the call, management highlighted significant year-on-year growth in registered users (79.5 million, up 32.6%) and customers served (12.8 million, up 22.5%). Assets Under Management (AUM) reached ₹9,317 crore, an increase of 68.4% year-on-year and 16.4% quarter-on-quarter. Profit After Tax (PAT) was ₹125 crore, doubling from the previous year and up 31.6% from the last quarter, with a Return on Average AUM of 5.78%.
The company emphasized its strategy of disciplined underwriting and prudent funding to achieve sustainable growth. Despite a rising repo rate, Kissht managed to reduce its cost of borrowing by approximately 70 basis points to 13.76%. Management also noted the positive impact of account aggregator interoperability and the company's focus on lending to less leveraged customers, with loans to customers scoring above 760 increasing. The Loan Against Property (LAP) business turned profitable in Q2 FY27, ahead of schedule.
Looking ahead, OnEMI Technology Solutions Limited raised its FY27 AUM growth guidance from 40% plus to 60% plus. They also anticipate a reduction of more than 15% in impairment costs year-on-year, while maintaining a target of Return on Average Equity above 20% and Gross NPA below 2.25%. The company also discussed technological advancements, particularly in AI, to improve underwriting precision and fraud management, and noted a reduction in effective tax rate due to ESOP expenses.
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OnEMI Technology Solutions Limited filed this with the NSE as a statutory disclosure, categorised under concall transcript released. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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