Kissht Outlines Vision to Expand Responsible Credit Access Across Emerging India

HT Syndication
New Delhi [India], July 20: Kissht, one of India's leading digital lending platforms, has outlined its vision to expand access to responsible, technology-led credit for consumers and businesses across the country. Following the successful listing of its parent company, OnEMI Technology Solutions Limited, in May 2026, Kissht is entering its next phase of growth with a sharper focus on customer experience, responsible lending, product diversification and deeper penetration across emerging India.
Over the last decade, Kissht has built a strong presence across India by combining technology, data-led underwriting and a deep understanding of customers who may not always be adequately served by traditional lending channels. The platform has served more than 15 million customers and reaches approximately 18,000 pincodes across the country.
Kissht's long-term vision is to make formal credit more accessible, transparent and relevant to the aspirations of India's growing mass-market and MSME segments.
India is witnessing a fundamental shift in how people access, understand and use credit. Customers are increasingly digital, financially aware and ambitious. However, location, limited credit history and dependence on conventional documentation can continue to restrict access to suitable formal credit products.
India's next phase of economic growth will be driven by millions of individuals, entrepreneurs and small businesses seeking capital to improve their lives and expand their livelihoods.

For a salaried customer, access to credit could help fund education, manage an important household expense or pursue a personal aspiration. For a small business owner, it could enable the purchase of inventory, expansion into a new market or investment in equipment.
Kissht aims to support these diverse requirements through a growing portfolio of personal loans, business loans and secured credit products, including loans against property. The company is also increasing its focus on longer-tenure products that provide customers with greater flexibility and more manageable repayment structures.
The objective is not simply to expand loan disbursals, but to build products that are aligned with each customer's purpose, repayment capacity and long-term financial well-being. Kissht believes that sustainable growth is possible only when the interests of the customer and the lender remain closely aligned.
Technology will remain central to Kissht's strategy. The company uses artificial intelligence, machine learning and multiple data sources to evaluate creditworthiness, manage risk and personalise customer journeys.
As India's digital financial infrastructure evolves, developments such as Account Aggregator, GST data, digital payments and other consent-based data frameworks can help lenders assess customers more comprehensively. This is particularly important for self-employed individuals and small businesses whose financial strength may not always be reflected adequately through conventional documentation.
Kissht intends to continue investing in its underwriting capabilities, fraud-detection systems, information security and customer-service infrastructure. The company is also working to make its application journeys faster and simpler while maintaining strong controls around customer consent, data privacy and responsible lending.
Its approach to collections is similarly focused on early intervention, data-led communication and respectful customer engagement.
As a listed company, OnEMI recognises that its responsibilities extend across customers, shareholders, employees, partners and regulators. The IPO has further strengthened the organisation's commitment to governance, transparency and sustainable performance.
For Kissht, trust is built through clear communication, transparent pricing, appropriate product design, responsible underwriting and consistent customer support throughout the loan lifecycle.
The IPO was an important milestone, but not the destination. It has increased both the ambition and accountability of the organisation. In its next phase, Kissht will remain focused on building better products, improving every customer interaction and creating an institution that customers can trust for the long term.
Over the coming years, Kissht plans to deepen its reach across underserved markets, strengthen its secured and MSME lending capabilities and continue improving the experience delivered through its digital platforms.
The company's vision is to help create an India where responsible credit is not limited by geography, conventional documentation or a customer's familiarity with formal finance. By combining technology with disciplined risk management and a customer-first approach, Kissht aims to play a meaningful role in supporting the aspirations of individuals and businesses across the country.
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