OnEMI (Kissht) Q2 FY27: AUM up 68% to ₹9,317 crore, PAT doubles to ₹125 crore; FY27 AUM growth guidance raised to 60%+
Q2FY27 AUM up 68% YoY to ₹9,317 crore, PAT up 100.4% to ₹125 crore, GNPA improves to 2.18%, RoAE 21.7%.
By ScoutQuest · · 1 min read
- PAT
- ₹125 crore (up 100.4% YoY, 31.6% QoQ)
- AUM
- ₹9,317 crore, up 68% YoY and 16% QoQ
- FY27 guidance
- AUM growth 60%+, RoAE 20%+, impairment cost down 15%+, GNPA below 2.25%
- Period
- Q2 FY2027
- Positioning
- The company describes itself as a full-stack digital lending platform built for India, serving mass-market and mass-affluent customers with personal loans and loan against property.
📈 Q2FY27 total income was ₹740 crore (up 43.1% YoY) and profit after tax ₹125 crore (up 100.4% YoY, 31.6% QoQ). AUM reached ₹9,317 crore, up 68% YoY and 16% QoQ, with RoAAUM of 5.8% and RoAE of 21.7%.
📌 Asset quality improved: GNPA stood at 2.18%, 75 bps better YoY; Stage 3 assets were 2.2% of on-book AUM with provision coverage plus management overlay at 152%. Collection efficiency up to DPD 30 was 97.1% in Sep-26.
📉 Management raised FY27 guidance to 60%+ AUM growth (from 40%+), 15%+ YoY reduction in impairment cost and 20%+ RoAE, and maintained GNPA below 2.25%. The company says cost of borrowings and opex as % of AUM are expected to fall as it scales, with savings passed to customers.
💰 The company says LAP, at 7.9% of AUM, will keep scaling through FY27 and beyond. It backs this with net worth of ₹2,377 crore after the May 2026 IPO, CRAR of 34.8% and on-book debt-to-equity of 0.9x.
Also from OnEMI Technology Solutions
OnEMI Technology Solutions uploads recording of Q2FY27 earnings conference call held October 29, 2026
29 Oct 2026
Kissht management said cost of borrowing will keep declining despite expected rate hikes, aided by its recent credit rating upgrade
29 Oct 2026
Q2FY27 press release: AUM at Rs 9,317 Cr, PAT doubles YoY to Rs 125 Cr
29 Oct 2026
More numbers
- AUM, Q2FY27₹9,317 crore
- AUM growth YoY, Q2FY2768%
- Profit after tax, Q2FY27125 (₹ Cr)
- PAT growth YoY, Q2FY27100.4%
- Total income, Q2FY27740 (₹ Cr)
- GNPA, Q2FY272.18%
- RoAE, Q2FY2721.7%
- RoAAUM, Q2FY275.8%
- LAP share of AUM, Sep-267.9%
- Net worth, Sep-262,377 (₹ Cr)
- CRAR, Sep-2634.8%
- Customers served12.80 Mn
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