Q2FY27 press release: AUM at Rs 9,317 Cr, PAT doubles YoY to Rs 125 Cr
Q2FY27 press release: AUM ₹9,317 Cr (+68% YoY), PAT ₹125 Cr (up 100% YoY), GNPA 2.18%, net worth ₹2,377 Cr, CRAR 34.8%.
By ScoutQuest · · 2 min read
- AUM
- ₹9,317 Cr (+68% YoY)
- PAT
- ₹125 Cr (up 100% YoY)
- GNPA
- 2.18%
What was announced
OnEMI Technology Solutions Limited (brand Kisht) released a press release dated 28 October 2026 alongside its unaudited consolidated and standalone financial results for the quarter and half year ended September 30, 2026. The numbers below are the company's own reported figures.
Key reported numbers
- AUM at ₹9,317 Cr, up 68% YoY and 16% QoQ, driven by continued portfolio expansion
- Profit After Tax at ₹125 Cr, up 100% YoY and 32% QoQ
- Cumulative customers served crossed 12.80 Mn (up 22% YoY)
- RoAAUM at 5.78% (annualised); RoAE at 21.65% (annualised)
- Diluted EPS at ₹7.1 for the quarter versus ₹4.7 in Q2FY26 (up 51% YoY); diluted BVPS at ₹130.7 as of Sep-26
Portfolio mix and operations
- Personal loans (unsecured) at ₹8,580 Cr, or 92.1% of AUM; loans against property (secured) at ₹737 Cr, or 7.9% of AUM
- Off-book AUM at ₹5,118 Cr (54.9% of total) across 8+ partners under the off-book model
- 45+ active lending and co-lending partners
- 100% digital personal-loan sourcing; LAP delivered through 107 branches across 9 states and UTs
Asset quality
- GNPA (Stage 3) at 2.18%, a 75 bps YoY and 7 bps QoQ improvement
- NNPA at 0.34% (2 bps QoQ improvement)
- Stage 3 PCR at 84.55%; ECL coverage on Stage 2 assets at 77.6% versus 59.6% in Q2FY26
- Collection efficiency (DPD 30) at 97.12%
Capital and funding
- Net worth at ₹2,377 Cr (up 103% YoY), more than 4x since Mar-23, helped by retained earnings, organic profitability and the Initial Public Offering in May 2026
- CRAR at 34.8%, with Tier-1 at 33.7%; D/E at 0.94x
- Credit rating A-/Stable from CRISIL and India Ratings; A/Stable from Acuite Ratings, upgraded from A-/Stable during the quarter
- After the quarter end, the company raised ₹832.2 Cr through a preferential issue, with in-principle approval from BSE and NSE received on October 19, 2026
Company's guidance for FY27
- AUM growth of 60%+
- Credit cost expected to decline by 15%+ YoY
- GNPA guided below 2.25%
- RoAE of 20%+
How to read this
The release shows a digital lender reporting higher scale (AUM and customers), higher profit, and improved asset-quality ratios, along with a capital position the company describes as strong. The FY27 items are forward-looking guidance from the company and, as its own safe-harbour statement notes, actual results may differ materially.
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
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OnEMI (Kissht) Q2 FY27: AUM up 68% to ₹9,317 crore, PAT doubles to ₹125 crore; FY27 AUM growth guidance raised to 60%+
29 Oct 2026
More numbers
- Assets under management (AUM)₹9,317 Cr
- Profit After Tax (PAT)₹125 Cr
- Cumulative customers served12.80 Mn
- Gross NPA (Stage 3)2.18%
- Net worth₹2,377 Cr
- CRAR34.8%
- Off-book AUM₹5,118 Cr
- Fundraise through preferential issue₹832.2 Cr
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