OnEMI Technology Solutions Q1 FY27 Earnings Call Transcript Released
OnEMI Technology Solutions (Kissht) reported Q1 FY27 results with AUM at ₹8,001 crore (up 61% YoY) and PAT at ₹95 crore (up 59% YoY). Registered users grew to 74.6 million. The company is expanding its product range, including LAP and mutual fund distribution, and remains on track with FY27 guidance.
The announcement provides detailed financial results, operational highlights, and strategic outlook for a key quarter, which is material information for investors and stakeholders.
The company reported strong year-on-year growth in AUM and PAT, alongside improved asset quality metrics and a reaffirmation of its financial guidance. The expansion into new product areas also contributes to a positive outlook.
OnEMI Technology Solutions Limited (Kissht) has released the transcript of its Earnings Conference Call held on July 30, 2026, discussing the Unaudited Financial Results for the quarter ended June 30, 2026. The company reported a significant year-on-year growth in key metrics. Registered users increased by 33% to 74.6 million, and the customer base grew by 26% to 12.25 million.
Assets Under Management (AUM) reached ₹8,001 crore, marking a 61% year-on-year increase and a 13% quarter-on-quarter rise. Profit After Tax (PAT) saw a substantial jump of 59% year-on-year to ₹95 crore, with a 16% increase from the previous quarter. The Return on Average AUM remained steady at 5.05%.
The company highlighted its focus on digital lending, emphasizing a robust risk management framework driven by AI and machine learning. Management noted that while the overall economy remains steady, they are closely monitoring geopolitical developments in West Asia and the Reserve Bank's policies on FCNR (B) deposits. The company is strategically acquiring a higher proportion of low-risk, high-quality customers, which has led to a deliberate reduction in revenue margins but improved overall profitability.
Asset quality metrics remained disciplined, with credit cost at 6.80% of average AUM, down from 7.02% in Q4 FY26 and 8.85% in Q1 FY26. Stage 2 assets were at 3.15%, and Gross NPA stood at 2.25%. The company reiterated its FY27 guidance for AUM, Gross NPA, credit cost, and profitability.
OnEMI Technology Solutions is also expanding its product offerings, including a Loan Against Property (LAP) business with AUM of ₹617 crore, and has secured an AMFI registration to begin mutual fund distribution. The company reiterated its long-term vision to build a large, credible, and profitable institution over the next decade, with potential future product additions including gold loans, business loans, and education loans.
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