Key Quantitative Figures

  • Assets Under Management (AUM): Crossed ₹10,000 crore milestone
  • Recent fundraising: ₹832.2 crore raised through preferential issue in October 2026
  • Cumulative customers served: Over 12.80 million
  • AI/ML underwriting variables: 7,200+
  • Lending and co-lending partners: 45+

Business Overview

Kissht is a technology-first digital lending platform serving India's mass-market and mass-affluent segments. The company operates through its NBFC-Middle Layer subsidiary, Si Creva Capital Services Private Limited, offering Personal Loans and Loan Against Property products to both salaried and self-employed customers.

Technology Platform

The scale has been built on a fully digital, AI-led underwriting platform leveraging technology, data and artificial intelligence across the entire lending lifecycle. The company utilizes proprietary AI-led underwriting models and technology-enabled collections infrastructure.

Product Diversification

While personal loans continue to form the core business, the Loan Against Property portfolio is steadily expanding, strengthening the secured lending franchise and diversifying the product mix.

Management Commentary

Mr. Ranvir Singh, Chairman, Director & CEO stated that crossing ₹10,000 crore in AUM represents a significant milestone built on principles of disciplined underwriting, robust collections, and a scalable technology-led platform. The vision focuses on making access to credit effortless, secure and human-centered.

Mr. Krishnan Vishwanathan, Director & CFO emphasized that the milestone is backed by strong financial position and consistent execution. The recent fundraising strengthens the capital base and provides additional headroom to support growth ambitions. The company anticipates reduced cost of borrowings, improving operational leverage, and continual credit quality improvement.

Corporate History

Founded in 2016 and headquartered in Mumbai, the company was listed on NSE & BSE on May 8, 2026. The press release includes a safe harbor statement noting that forward-looking statements are subject to risks and uncertainties.