Kissht's Credit Upgrade: A Milestone in Digital Lending

Kissht, a digital lending platform, has had its credit rating upgraded by Crisil due to strong business momentum and capital strength. Assets under management significantly increased, and an upcoming IPO aims to boost capital. The upgrade signifies Kissht's robust digital model and commitment to responsible lending.

Kissht, the digital lending platform operated by Onemi Technologies, has received a credit rating upgrade for its NBFC arm, Si Creva Capital Services, from Crisil Ratings. This reflects the company's strong business momentum and healthy capital position.

The long-term rating has been elevated to A-/Stable, and the short-term rating to A1. Assets under management saw a significant increase, rising to Rs 5,533 crore by September 30, 2025, owing to the expansion in its unsecured personal loan portfolio.

This upgrade highlights the resilience of Kissht's digital lending model and disciplined financial practices. The announcement follows OnEMI Technology Solutions gaining approval from Sebi for an IPO to raise funds. The proceeds will strengthen the capital base of its subsidiary, Si Creva, and support corporate growth.

(With inputs from agencies.)