India, Aug. 1 -- Recently listed NBFC Kissht is entering its "quality over quantity" phase, as it looks to build a more sustainable lending business.

During the Q1 FY27 earnings call of Kissht parent OnEMI Technology Solutions, cofounders Ranvir Singh and Krishnan Vishwanathan outlined the company's roadmap for transitioning from a hyper-growth digital lender into a more disciplined NBFC focused on lower credit costs, sustainable profitability and technology-led efficiency.

The strategy is already beginning to reflect in its financials. Kissht reported a 59% YoY jump in consolidated net profit to Rs.95.1 Cr in Q1 FY27, while operating revenue rose 45% YoY to Rs.669.5 Cr.

Behind these numbers is a relatively simple operating model. Kiss...