Onemi Technology Solutions Share Price Target 2026, 2027, 2030, 2040, 2050
OnEMI Technology Solutions is a fintech company that runs digital lending apps like Kissht and RING. It gives instant personal loans, easy EMI options for shopping, business loans, and loans against property in a simple and fast way. The company uses technology to check details and approve loans quickly with very little paperwork. Kissht helps users get quick loans and pay in easy monthly instalments, while RING lets users make payments, scan QR codes, and use instant credit anytime. The company mainly helps young people and those who may find it hard to get loans from banks. It works with its NBFC partner Si Creva Capital Services Pvt Ltd to give loans safely and legally.
What is Onemi Technology Solutions Ltd?
OnEMI Technology Solutions was established in 2016, situated in Mumbai, and founded by Ranvir Singh and Kunal Varma. It is an Indian fintech company that gives quick and simple digital loans through mobile apps. Popular apps like Kissht and Ring help people get personal loans, pay in easy EMIs, and use Buy Now Pay Later without much paperwork. The company uses technology to check details and give fast loan approval, sometimes in just a few minutes. It mainly helps people who cannot easily get loans from banks, so they can manage daily needs, shopping, or emergencies. It also works with finance partners to give loans safely and legally, and it is growing by offering more digital financial services across India.
It gives different types of loans to people across India. It offers personal loans for daily needs, small loans for emergencies, and business loans for shopkeepers and small business owners. It also offers loans against property, where people can use their property as collateral to borrow money. Because of these options, many people can use its services. The loan process is very simple and easy to understand, even for first-time users. In 2026, its share price target would be ₹547, as per stock market analysts.
According to stock market analysts, its share price would be between ₹141 to ₹547 in 2026.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2026 | 141 | 547 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | — | — |
| February | — | — |
| March | — | — |
| April | — | — |
| May | 190 | 292 |
| June | 156 | 310 |
| July | 141 | 368 |
| August | 155 | 400 |
| September | 168 | 432 |
| October | 241 | 474 |
| November | 287 | 500 |
| December | 300 | 547 |
The company uses modern technology to make the loan process fast and easy. There is no need for heavy paperwork. It does not depend only on credit scores like banks. Instead, it uses smart systems and data to check if a person can get a loan. This is helpful for people who are new and do not have a credit history. The system checks user details and gives quick results. Because of this, loans can be approved within minutes, saving time and effort for users. In 2027, its share price target would be ₹510, as per stock market analysts.
According to stock market analysts, its share price would be between ₹274 to ₹510 in 2027.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2027 | 274 | 510 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 274 | 365 |
| February | 290 | 384 |
| March | 310 | 400 |
| April | 326 | 421 |
| May | 335 | 437 |
| June | 348 | 448 |
| July | 365 | 465 |
| August | 387 | 470 |
| September | 399 | 475 |
| October | 412 | 479 |
| November | 421 | 500 |
| December | 432 | 510 |
It mainly works through its apps like Kissht and RING. Kissht is a loan app that gives instant money and EMI options for shopping. People can buy now and pay later in small parts. RING is a payment app that also gives quick credit. Users can scan QR codes, send money, and use credit anytime. Both apps are very simple, so anyone with a basic smartphone can use them easily. In 2028, its share price target would be ₹725, as per stock market analysts.
According to stock market analysts, its share price would be between ₹488 to ₹725 in 2028.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2028 | 488 | 725 |
It mainly helps people who cannot easily get loans from banks. This includes students, first-time users, and people with low or medium income. Banks often have strict rules, so many people get rejected. The company makes it easier by giving quick loans with fewer rules. This helps more people get financial support. Users can manage daily expenses, handle emergencies, and improve their lifestyle. In this way, the company helps more people get access to money services. In 2029, its share price target would be ₹965, as per stock market analysts.
According to stock market analysts, its share price would be between ₹700 to ₹965 in 2029.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2029 | 700 | 965 |
It has a large number of users across India. Millions of people use its services because the process is quick and simple. As more people use smartphones and the internet, digital loans are becoming popular. The comapny is growing fast and reaching more users in different areas. The company keeps getting new customers and also keeps old users happy. This shows that people trust the company and find its services useful. In 2030, its share price target would be ₹1225, as per stock market analysts.
According to stock market analysts, its share price would be between ₹947 to ₹1225 in 2030.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2030 | 947 | 1225 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 947 | 1025 |
| February | 965 | 1041 |
| March | 988 | 1065 |
| April | 1005 | 1078 |
| May | 1010 | 1090 |
| June | 1021 | 1105 |
| July | 1028 | 1115 |
| August | 1035 | 1132 |
| September | 1054 | 1157 |
| October | 1084 | 1179 |
| November | 1100 | 1190 |
| December | 1114 | 1225 |
The company works with its NBFC partner, Si Creva Capital Services Pvt Ltd, to give loans safely and legally. It manages the apps and technology, while the NBFC gives the loan and collects payments. This helps follow all rules properly. It also builds trust because loans are given through a proper system. This way, everything stays safe and secure for users. In 2040, its share price target would be ₹2548, as per stock market analysts.
According to stock market analysts, its share price would be between ₹2241 to ₹2548 in 2040.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2040 | 2241 | 2548 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 2241 | 2325 |
| February | 2262 | 2354 |
| March | 2274 | 2389 |
| April | 2290 | 2400 |
| May | 2310 | 2414 |
| June | 2325 | 2432 |
| July | 2332 | 2450 |
| August | 2352 | 2478 |
| September | 2369 | 2490 |
| October | 2384 | 2510 |
| November | 2411 | 2524 |
| December | 2432 | 2548 |
It also helps small businesses by giving them business loans. Many small shop owners need money to run or grow their business, but banks do not easily give loans to them. It provides a simple and fast way to get money. These loans help them buy goods, manage expenses, and grow their business. By helping small businesses, the company also supports job growth and helps the country’s economy. In 2050, its share price target would be ₹4887, as per stock market analysts.
According to stock market analysts, its share price would be between ₹4325 to ₹4887 in 2050.
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2050 | 4325 | 4887 |
| Month | Minimum Price (Rs) | Maximum Price (Rs) |
| January | 4325 | 4412 |
| February | 4335 | 4447 |
| March | 4355 | 4474 |
| April | 4374 | 4490 |
| May | 4384 | 4525 |
| June | 4415 | 4557 |
| July | 4432 | 4589 |
| August | 4474 | 4632 |
| September | 4484 | 4665 |
| October | 4528 | 4698 |
| November | 4598 | 4745 |
| December | 4669 | 4887 |
Should I buy Onemi Technology Solutions stock?
| Year | Minimum Price (Rs) | Maximum Price (Rs) |
| 2026 | 141 | 547 |
| 2027 | 274 | 510 |
| 2028 | 488 | 725 |
| 2029 | 700 | 965 |
| 2030 | 947 | 1225 |
| 2040 | 2241 | 2548 |
| 2050 | 4325 | 4887 |
The company is showing mixed performance in recent times. The business is growing fast in digital loans, but there are also risks like too many unsecured loans and increasing bad loans, which can create problems. Competition in the fintech market is also rising, so growth may slow down in the short term. Some market experts are also careful about this stock right now, which is not a very good sign for new investors. It looks good for long-term investment because the company is growing and using strong apps like Kissht and RING, but it is better to wait and watch its performance before investing.
Onemi Technology Solutions earnings results (Financials)
| Mar 2021 | Mar 2022 | Mar 2024 | Mar 2025 | |
| Sales + | 175 | 517 | 1,700 | 1,352 |
| Expenses + | 198 | 430 | 1,307 | 914 |
| Operating Profit | -23 | 86 | 393 | 438 |
| OPM % | -13% | 17% | 23% | 32% |
| Other Income + | 1 | 0 | 0 | 0 |
| Interest | 26 | 26 | 103 | 199 |
| Depreciation | 6 | 7 | 23 | 23 |
| Profit before tax | -55 | 54 | 267 | 216 |
| Tax % | 6% | -16% | 26% | 26% |
| Net Profit + | -58 | 63 | 197 | 161 |
| EPS in Rs | -240.36 | 257.50 | 412.72 | 299.49 |
| Dividend Payout % | -0% | -0% | -0% | -0% |
Is Onemi Technology Solutions stock good to buy? (bull case & bear case)
Bull Case:
- It earns around ₹2,500–₹3,000+ crore revenue, which shows the business is growing well and people are using its services.
- The company has a large user base of 63+ million users, which shows strong demand and future growth chances.
- Its loan book is around ₹8,000–₹9,000+ crore, showing that many people are taking loans from the company.
- Its apps, like Kissht and RING, are popular and help the company grow fast without opening many branches.
- The company handles millions of transactions every month, showing regular usage by customers.
- India’s digital loan market is growing fast at 20%+ growth, which is good for the company’s future.
- The company gives loans in just a few minutes using technology, which attracts more users.
- It is also adding new loan products like business loans and buy-now-pay-later services.
Bear Case:
- Around 90–94% of its loans are unsecured, which means a higher risk if people do not repay.
- The company’s bad loans (NPA) are around 3%, which is increasing and can affect profits.
- Credit cost is high at around 6–8%, which reduces the company’s earnings.
- Profit growth is not stable, and profit margins are still low compared to strong companies.
- The company spends a lot to get new customers, which increases costs.
- It depends on partners (NBFC) to give loans, which can be a risk.
Conclusion
It is a fast-growing fintech company with good future potential because of its apps, such as Kissht and RING and its large number of users in India. The demand for digital loans is increasing, which can help the company grow in the long term. However, there are also some risks, like too many unsecured loans, rising bad loans, and strong competition in the market. Its financial performance is improving, but it is not fully stable yet. The company looks good for long-term growth, but it is better to wait and watch its performance before investing, especially if you want a safe investment.
