Kissht’s NBFC arm gets Crisil rating upgrade

Crisil Ratings has upgraded the credit rating of Si Creva Capital Services, the wholly-owned NBFC subsidiary of Kissht, operated by Onemi Technologies.

Crisil has upgraded the long-term rating to CRISIL A-/Stable from CRISIL BBB+/Stable, and the short-term rating to CRISIL A1 from CRISIL A2+. The ratings assigned to the company’s non-convertible debentures have also been upgraded.

The rating upgrade reflects Kissht’s strong business momentum, improving profitability, and healthy capitalisation profile. The assets under management increased from about ₹4,087 crore as of last March-end to ₹5,533 crore in September 2025, driven by sustained expansion in its unsecured personal loan portfolio.

Crisil also recognised Kissht’s scalable digital lending model, disciplined underwriting practices, and strong capital cushion. The upgrade underscores the strength of Kissht’s integrated digital and lending platform, which enables fully digital, technology-driven credit solutions for consumers across India.

Kissht stands as one of India’s leading digital lending platforms, combining scale, underwriting discipline, and technology innovation to drive responsible credit growth.

Ranvir Singh, Founder and CEO of Kissht, said the rating upgrade reflects the strength of its business model, its focus on responsible lending and its commitment to sustainable growth.

The company remains dedicated to expanding access to transparent and reliable financial solutions while maintaining prudent risk management standards, he said.

Published on February 24, 2026