General Updates

August 27, 2026 To To BSE Limited National Stock Exchange of India Limited Phiroze Jeejeebhoy Towers Exchange Plaza, C-1, Block G Dalal Street, Fort, Mumbai – 400 001 Bandra Kurla Complex Scrip Code - 544754 Bandra (East), Mumbai – 400 051 Symbol - KISSHT Subject: Intimation under Regulations 30 and 34 of the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 (“SEBI Listing Regulations”) Dear Sir/Ma’am, This is in continuation to our letter dated August 26, 2026 wherein the Company had informed that the 10th Annual General Meeting (“AGM”) of the Company is scheduled to be held on Tuesday, September 22, 2026 at 04:00 p.m. (IST) through Video Conferencing (“VC”)/ Other Audio-Visual Means (“OAVM”) in accordance with the relevant circulars issued by the Ministry of Corporate Affairs (“MCA”) and Securities and Exchange Board of India (“SEBI”). In accordance with the aforesaid circulars, we hereby enclose the Notice of the 10th AGM along with the Annual Report of the Company for the financial year 2025-26 (“Annual Report”) which is being sent through electronic mode to all those members whose email addresses are registered with the Company/Registrar & Share Transfer Agent (“RTA”) or Depository Participant(s). Further, in accordance with Regulation 36(1)(b) of the SEBI Listing Regulations, a letter providing the web-link for accessing the Annual Report is being sent to all those Members who have not registered their email IDs with the Company/ RTA/ Depository Participants. The Company has fixed Tuesday, September 15, 2026 as the ‘Cut-off date’ for the purpose of determining the Members eligible to vote on the resolutions set out in the Notice of the 10th AGM and to attend the AGM. In this regard, kindly take note of the details in relation to the 10th AGM of the Company: Particulars Details Cut-off date for determining Members entitled to Tuesday, September 15, 2026 vote through remote e-voting or during the AGM Commencement of remote e-Voting From 9.00 a.m. (IST) on Friday, September 18, 2026 End of remote e-Voting Up to 5.00 p.m. (IST) on Monday, September 21, 2026 The Annual Report and the Notice of the 10th AGM are also uploaded on the website of the Company at www.kissht.com. Further, pursuant to the provisions of the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018 (“SEBI ICDR Regulations”), and as stated in the Prospectus of the Company dated May 05, 2026 (“Offer Document”), the Company has disclosed in its Annual Report the Key Performance Indicators (“KPIs”) that were disclosed in the Offer Document. The aforesaid KPIs have been reviewed and approved by the Audit Committee at its meeting held on August 26, 2026, and the Company has obtained a certificate from S C Mehra & Associates LLP, Chartered Accountants, in respect of the ongoing KPIs for the financial year ended March 31, 2026, pursuant to Schedule VI, Part A, paragraph 9(K)(3)(i) read with paragraph 9(K)(3)(c) of the SEBI ICDR Regulations. You are requested to take the above information on record. Thanking you, For OnEMI Technology Solutions Limited (formerly known as OnEMI Technology Solutions Private Limited) Shraddha Rajkumar Patangia Company Secretary and Compliance Officer Membership No.: A55210 OnEMI Technology Solutions Limited Annual Report 2025-26 Data-Driven. Risk-Aware. Future-Ready. Contents Data Driven. Risk Aware. Future-Ready. 0011 The financial services industry is undergoing a profound transformation, driven by rapid technological advancements, evolving customer expectations, and an increasingly dynamic risk landscape. Success in this environment depends on the ability to harness data intelligently, make informed decisions at scale, and adapt with agility while maintaining the highest standards of governance and Corporate risk management. Overview Introduction 0033 At OnEMI Technology Solutions As we continue to grow, our Data Driven. Risk Aware. Future- Limited (“OnEMI” or our “Company”) investments remain focused on Ready. is more than this year's 2 FY26 key highlights these principles define the way strengthening our digital capabilities, theme, it reflects the philosophy that we operate. We have built a expanding our product ecosystem, guides our organisation. It embodies 4 Successful public listing technology-first lending platform, enhancing customer experiences, our commitment to leveraging 6 About OnEMI Technology operating under the “Kissht” brand, and building scalable infrastructure technology and intelligence to create Solutions Limited where data serves as the foundation that can support the next phase a resilient, future-ready financial 0022 for every customer interaction and of growth. At the same time, we services platform that delivers 8 Product offerings Financial business decision. From customer remain committed to maintaining sustainable value for customers, Statements acquisition and onboarding to credit strong governance, regulatory partners, employees, investors, and 10 Key milestones underwriting, fraud detection, loan compliance, and a culture of all our stakeholders. 12 Key performance 114 Standalone servicing, and collections, artificial continuous innovation. intelligence, machine learning, indicators 182 Consolidated and analytics are seamlessly 14 CEO’s message Statutory embedded across the lending lifecycle. This enables us to deliver Key pillars Reports faster decisions, personalised experiences, stronger risk controls, 18 Customer-centricity 50 Management Discussion and greater operational efficiency. and Analysis 22 Risk management Equally important is our disciplined architecture 70 Boards’ Report approach to risk management. Our proprietary underwriting models 26 Technology at the core 83 Report on Corporate leverage multiple data sources Governance beyond conventional credit bureau 30 Balanced liability base information, enabling more accurate 32 Awards & recognitions risk assessment and responsible lending. Real-time fraud detection, ESG focus automated early warning systems, and technology-enabled collections 34 Sustainability at Kissht further strengthen portfolio quality while ensuring sustainable growth. 42 Governance 44 Board of Directors Notice of Annual 46 Management Team General Meeting 47 Corporate Information 2 OnEMI Technology Solutions Limited | Annual Report 2025-26 Corporate Overview | Statutory Reports | Financial Statements 3 FY26 key highlights ASSET QUALITY 2.12 0.29 86.15 97.01 % % % % Reflecting disciplined underwriting, GNPA (STAGE 3)1 NNPA1 PCR1 COLLECTION prudent risk management and EFFICIENCY (DPD 30) strong collections. -77 bps +4 bps -533 bps +19 bps EXPANDING SCALE 11.76 3.25 7,066 2,209 Mn Mn K Cr K Cr Demonstrating sustained growth and CUSTOMERS SERVED ACTIVE CUSTOMERS AUM TOTAL INCOME deepening customer reach. (CUMULATIVE) +28% +71% +73% +63% PROFITABLE GROWTH 836 281 5.05 23.97 Cr Cr % % Driving profitable and efficient growth while creating stakeholder value. PPOP PAT RoAAUM RoAE +54% +75% +25 bps +622 bps A-/Stable 25.28 1.78 FINANCIAL STRENGTH % X K1,343 Maintaining a strong capital base and CREDIT RATING CAPITAL ADEQUACY DEBT TO EQUITY balance sheet resilience. NET WORTH (LONG TERM)2 RATIO2 +10 bps +0.29 +33% WIDENING FOOTPRINT 68.55 Pan-India 45 98 Mn + Building a diversified ecosystem that combines a broad customer REGISTERED USERS PRESENCE FOR LENDING PARTNERS LAP BRANCHES base, extensive lending network and PL BUSINESS pan-India presence. 1 Pertains to on-book portfolio | 2 Pertains to subsidiary NBFC | Y-O-Y basis 4 OnEMI Technology Solutions Limited | Annual Report 2025-26 Corporate Overview | Statutory Reports | Financial Statements 5 Successful public listing The successful listing of our equity shares on BSE Limited (“BSE”) and the National Stock Exchange of India Limited (“NSE”) on May 08, 2026, marked a defining milestone following the close of FY26. The IPO received strong pa [Showing first 8,000 characters — download PDF for full document]