Rufilo

Mumbai, India Founded: 2020 • Age: 6 yrs Listed
Provides instant loans, credit cards, and expense management via mobile app.
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About Rufilo

Rufilo is a publicly listed company based in Mumbai (India) founded in 2020. It provides instant loans, credit cards, and expense management via mobile app. It operates on a D2C and B2C model. The company has 262 employees. Its Indian entity Onemi Technology Solutions Limited reported revenue of ₹2,209 Cr. Rufilo offers products and services including Instant Credit Line and Credit Card Discovery Platform. Its focus areas include FinTech, Lending Tech, Personal Loans and Instant Credit. Its competitors include PhoneParLoan, Yaper and UrgentCash; 1 of its 3 listed competitors has raised funding.

Company details

Rufilo is a financial app that delivers instant personal loans and credit card discovery services to individuals and businesses. It operates by allowing users to apply via a simple mobile app, requiring only Aadhaar for quick approvals up to 36,000. Based in India, it focuses on secure, digital transactions with options for repayments through UPI or bank transfers. The platform serves consumers, self-employed professionals, and small business owners for managing expenses and financial needs.

Operational Areas
Financial Services → Alternative Lending
Financial Services → Travel Fintech
Key Metrics
  • Market Cap
    ₹6,767 Cr

    KISSHT · NSE

  • Share Price
    ₹345.40

    +4.43% today

  • Revenue
    ₹2,209 Cr

    FY 2025-26 · +63.3% YoY

  • EBITDA
    ₹739 Cr

    Margin 33.5%

  • Net Profit
    ₹281 Cr

    FY 2025-26 · +75.4% YoY

  • P/E (TTM)
    17.0x

    P/B 2.0x

  • ROE
    24.0%

    ROCE 22.6%

  • Debt / Equity
    1.70

    Interest cover 47.5x

  • Employee Count
    262

Products & Services of Rufilo

Rufilo offers a comprehensive portfolio of products and services, including Instant Credit Line and Credit Card Discovery Platform.

Instant Credit Line
Loan Service

Provides quick personal loans up to ₹36,000 with minimal documentation.

Credit Card Discovery Platform
Financial Tool

Helps users find and apply for suitable credit cards easily.

Apps and channels of Rufilo

Rufilo publishes 1 mobile app with over 5M+ downloads.

Small Business Loan: Tradofina
Google Play Finance Everyone Free 5M+ downloads
Developer: Arnold Holdings Ltd
View on Google Play

Board of directors of Onemi Technology Solutions Limited (Rufilo)

Onemi Technology Solutions Limited is the primary company behind Rufilo. The boards of the 3 registered companies of Rufilo currently have 13 directors; the longest-serving is Krishnan Vishwanathan, appointed in 2015. 48 earlier directors have ceased.

DirectorDesignationAppointedTenureEntity
Krishnan Vishwanathan
DIN 07191366
Managing Director08 Jul 201511 yrs 4 moSi Creva Capital Services Private Limited, Onemi Technology Solutions Limited
Ranvir Singh
DIN 06673951
Whole-time director08 Jul 201511 yrs 4 moSi Creva Capital Services Private Limited, Onemi Technology Solutions Limited
Piyush Kharbanda
DIN 08126225
Nominee Director26 Dec 20187 yrs 10 moOnemi Technology Solutions Limited
Sushil Mahendrakumar Jhunjhunwala
DIN 08679362
Director13 Feb 20206 yrs 8 moArnold Holdings Ltd
Munni Devi Jain
DIN 08194500
Director30 Jul 20206 yrs 3 moArnold Holdings Ltd
Murari Mallawat
DIN 08809840
Whole-time director22 Aug 20206 yrs 2 moArnold Holdings Ltd
Rajpradeep Mahavirprasad Agrawal
DIN 09142752
Whole-time director24 Apr 20215 yrs 6 moArnold Holdings Ltd
Priti Paras Savla
DIN 00662996
Director24 Mar 20233 yrs 7 moSi Creva Capital Services Private Limited
Rupali Prakash Sawant
DIN 03129589
Director10 Jul 20242 yrs 3 moArnold Holdings Ltd
Gazala Mohammed Irfan Kolsawala
DIN 07133943
Whole-time director30 Aug 20242 yrs 2 moArnold Holdings Ltd
Alok Bansal
DIN 01653526
Director16 Jun 20251 yr 4 moOnemi Technology Solutions Limited
Sangeeta Pendurkar
DIN 03321646
Director16 Jun 20251 yr 4 moOnemi Technology Solutions Limited
Yogesh Yashpaul Chadha
DIN 01681680
Director02 Dec 202511 moSi Creva Capital Services Private Limited, Onemi Technology Solutions Limited

IPO & Listings of Rufilo

Rufilo is a publicly listed company on the NSE with ticker symbol KISSHT in India. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.

  • Listed onNSE: KISSHT
  • Listed entityOnemi Technology Solutions Limited

Financials of Rufilo

Exchange-reported figures of Onemi Technology Solutions Limited, the listed company behind Rufilo (NSE: KISSHT).

Financial Highlights

FY 2025-26 · Consolidated
Revenue
₹2,209 Cr
+63.3% YoY
EBITDA
₹739 Cr
+68.6% YoY
Profit After Tax
₹281 Cr
+75.4% YoY
Net Worth
₹1,343 Cr
+33.5% YoY
Total Assets
₹3,783 Cr
+47.2% YoY
Total Debt
₹2,429 Cr
+56.1% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Income statement
Revenue2,2091,3521,7001,000517175
Revenue growth+63.3%-20.4%+70.0%+93.5%+195.3%-
EBITDA73943839312486.34(23.45)
EBITDA margin+33.5%+32.4%+23.1%+12.4%+16.7%-13.4%
Profit before tax37721626723.9653.85(55.24)
Net profit28116019727.7262.62(58.45)
Net profit margin+12.7%+11.9%+11.6%+2.8%+12.1%-33.4%
EPS (₹)23.70299.50412.7457.88268.53(250.65)
Balance sheet
Total assets3,7832,5701,6461,012381296
Net worth1,3431,006805566240166
Total debt2,4291,556836444139119
Cash & bank241144318661125107
Net working capital2,9122,0301,300810316256
Cash flow
Cash from operations(461)(661)(637)48.36(15.63)78.95
Cash from investing(70.40)(33.23)40.4224.3732.8799.87
Cash from financing60854231250719.45(202)
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025
Revenue732670619591506463369
Revenue growth (YoY)+44.7%+44.6%+67.8%----
Other income8.487.065.869.6411.782.614.05
EBITDA223207186175148142123
EBITDA margin+30.5%+31.0%+30.1%+29.5%+29.3%+30.6%+33.3%
Depreciation4.934.825.355.485.485.304.65
Interest72.3881.8776.5175.0171.5159.2352.27
Profit before tax15412811010483.0079.7470.12
Tax29.1332.6328.0626.6020.5620.0115.97
Net profit12595.0882.1977.1062.4459.7354.15
EPS (₹)7.125.886.225.844.734.544.17
MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Income statement
Revenue73432142926415631.85
Revenue growth+128.6%-25.1%+62.3%+69.6%+389.0%-
EBITDA20984.2112937.3647.68(52.00)
EBITDA margin+28.4%+26.2%+30.1%+14.2%+30.6%-163.3%
Profit before tax19266.8311126.4441.18(57.88)
Net profit14450.7082.4624.6552.81(57.88)
Net profit margin+19.6%+15.8%+19.2%+9.3%+33.9%-181.7%
EPS (₹)12.1394.91172.5351.63217.19(237.94)
Balance sheet
Total assets994795708587224160
Net worth964764672554223159
Total debt17.5826.6033.150.000.000.00
Cash & bank44.8310.8212123239.540.49
Net working capital58.3114022722229.45(22.10)
Cash flow
Cash from operations17668.2152.8275.6539.29(35.55)
Cash from investing(300)(181)(145)(179)(0.25)13.91
Cash from financing1373.21(18.22)2950.000.00
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025
Revenue28821620422113414099.97
Revenue growth (YoY)+115.0%+54.6%+103.7%----
Other income14.7511.5710.907.5410.027.674.35
Total expenses20415514715212110666.38
EBITDA84.3661.0356.7669.1612.7433.6433.59
EBITDA margin+29.3%+28.3%+27.9%+31.3%+9.5%+24.1%+33.6%
Depreciation2.632.643.283.383.313.202.52
Interest0.470.510.810.860.800.720.94
Profit before tax96.0169.4563.5772.4618.6537.3934.48
Tax24.1417.5116.2718.453.719.547.40

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 08 Nov 2026
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025
Revenue732670619591506463369
Revenue growth (YoY)+44.7%+44.6%+67.8%----
Other income8.487.065.869.6411.782.614.05
EBITDA223207186175148142123
EBITDA margin+30.5%+31.0%+30.1%+29.5%+29.3%+30.6%+33.3%
Depreciation4.934.825.355.485.485.304.65
Interest72.3881.8776.5175.0171.5159.2352.27
Profit before tax15412811010483.0079.7470.12
Tax29.1332.6328.0626.6020.5620.0115.97
Net profit12595.0882.1977.1062.4459.7354.15
EPS (₹)7.125.886.225.844.734.544.17
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Revenue2,2091,3521,7001,000517175
Revenue growth+63.3%-20.4%+70.0%+93.5%+195.3%-
Other income0.320.200.301.470.370.89
Total expenses1,4709141,307876430198
Employee cost25219318111657.0728.28
EBITDA73943839312486.34(23.45)
EBITDA margin+33.5%+32.4%+23.1%+12.4%+16.7%-13.4%
Depreciation21.6222.7022.8817.867.186.43
Interest34119910383.4425.6826.25
Profit before tax37721626723.9653.85(55.24)
Tax95.2355.6470.15(3.71)(8.77)3.21
Net profit28116019727.7262.62(58.45)
Net profit margin+12.7%+11.9%+11.6%+2.8%+12.1%-33.4%
EPS (₹)23.70299.50412.7457.88268.53(250.65)
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Equity & liabilities
Share capital11.8810.6810.0710.067.777.77
Reserves & surplus1,331995794556233158
Shareholders' funds (net worth)1,3431,006805566240166
Minority interest0.000.000.000.000.000.00
Secured loans2,3821,508784388139119
Unsecured loans47.5348.7751.7655.620.000.00
Total debt2,4291,556836444139119
Total liabilities3,7832,5701,6461,012381296
Assets
Gross block13112611610232.3631.26
Net block43.0152.9957.2466.2711.7717.85
Capital work in progress6.304.780.150.000.000.00
Investments8.050.000.000.000.101.10
Inventories0.000.000.000.000.000.00
Sundry debtors10470.0816265.786.070.82
Cash & bank balances241144318661125107
Loans & advances2,7721,947970346346197
Total current assets3,1172,1611,4511,074476305
Total current liabilities20513115126416048.88
Net working capital2,9122,0301,300810316256
Total assets3,7832,5701,6461,012381296
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Opening cash13328557010687.96113
Net cash from operating activities(461)(661)(637)48.36(15.63)78.95
Net cash from investing activities(70.40)(33.23)40.4224.3732.8799.87
Net cash from financing activities60854231250719.45(202)
Net change in cash76.73(152)(285)57936.69(22.73)
Closing cash241144318661125107
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Growth
Sales growth+63.3%-20.4%+70.0%+93.5%+195.3%-
EBITDA growth+68.6%+11.5%+217.3%+43.4%+468.2%-
PBT growth+74.2%-19.1%+1016.2%-55.5%+9998.0%+9997.0%
Net income growth+75.4%-18.7%+611.7%-55.7%+207.1%-
Revenue CAGR (3Y)+30.2%+37.8%+113.4%---
EBITDA CAGR (3Y)+81.4%+71.8%----
Profitability & leverage
Net income margin+12.7%+11.9%+11.6%+2.8%+12.1%-33.4%
Return on capital employed+22.6%+19.7%+27.5%+14.6%+22.0%0.0%
Return on net worth+24.0%+17.9%+28.3%+6.3%+28.3%0.0%
Debt / equity1.701.320.930.720.631.13
Long-term debt / equity0.400.280.210.130.070.13
Interest cover47.5247.9927.7878.7732.44-87.85
Efficiency & per share
Fixed asset turnover17.1811.1515.5514.8616.266.05
Inventory turnover0.000.000.000.000.000.00
Debtors turnover25.3411.6414.9027.88150.13112.40
EPS (₹)23.70299.50412.7457.88268.53(250.65)
Dividend per share (₹)0.000.000.000.000.000.00
Book value per share (₹)113.051,865.891,672.131,173.541,007.39688.86
ParticularsSep 2026Jun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025
Revenue28821620422113414099.97
Revenue growth (YoY)+115.0%+54.6%+103.7%----
Other income14.7511.5710.907.5410.027.674.35
Total expenses20415514715212110666.38
EBITDA84.3661.0356.7669.1612.7433.6433.59
EBITDA margin+29.3%+28.3%+27.9%+31.3%+9.5%+24.1%+33.6%
Depreciation2.632.643.283.383.313.202.52
Interest0.470.510.810.860.800.720.94
Profit before tax96.0169.4563.5772.4618.6537.3934.48
Tax24.1417.5116.2718.453.719.547.40
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Revenue73432142926415631.85
Revenue growth+128.6%-25.1%+62.3%+69.6%+389.0%-
Other income0.120.380.257.380.050.02
Total expenses52623730022710883.85
Employee cost66.9297.8111787.7939.6117.19
EBITDA20984.2112937.3647.68(52.00)
EBITDA margin+28.4%+26.2%+30.1%+14.2%+30.6%-163.3%
Depreciation13.1713.9614.5114.756.485.85
Interest3.523.803.513.550.070.05
Profit before tax19266.8311126.4441.18(57.88)
Tax47.9615.9528.721.76(11.63)0.00
Net profit14450.7082.4624.6552.81(57.88)
Net profit margin+19.6%+15.8%+19.2%+9.3%+33.9%-181.7%
EPS (₹)12.1394.91172.5351.63217.19(237.94)
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Equity & liabilities
Share capital11.8810.6810.0710.167.877.87
Reserves & surplus952754662544215151
Shareholders' funds (net worth)964764672554223159
Secured loans0.000.000.000.000.000.00
Unsecured loans17.5826.6033.150.000.000.00
Total debt17.5826.6033.150.000.000.00
Total liabilities994795708587224160
Assets
Gross block88.7387.0886.5385.3629.6528.74
Net block24.1128.7639.5152.8511.0716.64
Capital work in progress6.304.780.000.000.000.00
Investments806581431296161161
Inventories0.000.000.000.000.000.00
Sundry debtors98.3881.7913423.025.060.22
Cash & bank balances44.8310.8212123239.540.49
Loans & advances51.3411110.738.871.1412.00
Total current assets19520426626445.7412.71
Total current liabilities13663.9838.4341.5616.2934.81
Net working capital58.3114022722229.45(22.10)
Total assets994795708587224160
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Opening cash10.8212023139.010.4922.13
Net cash from operating activities17668.2152.8275.6539.29(35.55)
Net cash from investing activities(300)(181)(145)(179)(0.25)13.91
Net cash from financing activities1373.21(18.22)2950.000.00
Net change in cash12.76(110)(110)19239.04(21.64)
Closing cash44.8310.8212123239.540.49
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Growth
Sales growth+128.6%-25.1%+62.3%+69.6%+389.0%-
EBITDA growth+147.8%-34.7%+245.2%-21.6%+191.7%-
PBT growth+187.4%-39.9%+320.5%-35.8%+9998.0%+9997.0%
Net income growth+184.2%-38.5%+234.5%-53.3%+191.2%-
Revenue CAGR (3Y)+40.6%+27.3%+137.9%---
EBITDA CAGR (3Y)+77.4%+20.9%----
Profitability & leverage
Net income margin+19.6%+15.8%+19.2%+9.3%+33.9%-181.7%
Return on capital employed+21.9%+9.4%+17.2%+6.6%+18.6%0.0%
Return on net worth+16.7%+7.1%+13.2%+5.7%+24.5%0.0%
Debt / equity0.030.040.030.000.000.00
Long-term debt / equity0.010.030.020.000.000.00
Interest cover1.805.413.0715.700.17-0.09
Efficiency & per share
Fixed asset turnover8.353.704.994.725.341.18
Inventory turnover0.000.000.000.000.000.00
Debtors turnover8.152.985.4519.3459.0234.27
EPS (₹)12.1394.91172.5351.63217.19(237.94)
Dividend per share (₹)0.000.000.000.000.000.00
Book value per share (₹)81.161,415.331,394.411,147.92895.18630.05

Competitors of Rufilo

Rufilo has 3 listed competitors in our database, 1 of them funded. They include PhoneParLoan, Yaper and UrgentCash.

Company NameDomainFoundedHQ LocationTotal fundingEmployeesDescription
PhoneParLoan
phoneparloan.in2015Delhi, India$611,171
Personal loans are provided via an online marketplace for consumers.
Yaper
yaper.co2019Delhi, India
Delivers app-based personal credit lines to individuals for flexible financial solutions.
UrgentCash
urgentcash.in2001Ghaziabad, India
Offers an app-based platform for personal credit lines.
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Detailed competitors of Rufilo

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Web traffic of Rufilo

The website of Rufilo (rufilo.com) receives about 9K visits a month.

  • Monthly visits
    9K

    ▼ 11.4% vs previous month

Top companies in Alternative Lending

3 companies that operate in the same segment as Rufilo (Alternative Lending) in India, ranked by their profile score on The Company Check.

CompanyDescriptionFoundedLocationTotal fundingRevenueEmployees
BharatPe
Payment acceptance and processing solutions provider for businesses
2018Gurugram, Haryana, IndiaUSD 589.25 MUSD 179.52 M3,670
Square Yards
Technology platform for real estate transactions and mortgages is provided.
2014Gurugram, Haryana, IndiaUSD 97.98 MUSD 28.9 M9,619
InCred
Financial services are provided, specializing in personal and business loans.
2016Mumbai, Maharashtra, IndiaUSD 320.39 MUSD 106.45 M2,161
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Related news about Rufilo

Kissht Launches Kissht Mitra, a Mental Wellness Program for Employees
Businessnewsthisweek • 26 days ago
Board of Onemi Technology Solutions approves capital raising of Rs 832 cr | Capital Market News - Business Standard
Business Standard • 1 month ago
OnEMI Technology Solutions Limited’s Board Approves Fundraise of approximately ₹832 Crore through a Preferential Issue of Securities - The Wire
The Wire • 1 month ago
OnEMI Technology Solutions shares decline after board nod to raise up to ₹832 crore via preferential issue - CNBC TV18
CNBCTV18 • 1 month ago
OnEMI Technology Solutions Approves Rs 832 Cr Fundraise via Preferential Issue
Entrackr • 1 month ago
OnEMI Technology Solutions share price makes a strong debut, opens 11% higher at ₹190 apiece on NSE | Stock Market News
mint • 6 months ago
OnEMI Technology Solutions IPO Day 2: Issue subscribed 34% so far. GMP, review, other key details. Should you apply? | Stock Market News
mint • 6 months ago
Subscribe for ONEMI Technology Solutions Ltd IPO; Geojit Financial Services
Moneycontrol • 6 months ago
OnEMI Technology Solutions IPO Day 1: Issue opens today. Check GMP, review, key details. Apply or skip? | Stock Market News
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Kissht operator OnEMI Tech mobilises ₹278 cr from anchor investors; IPO to open on April 30 | Stock Market News
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Frequently Asked Questions about Rufilo

Rufilo was founded in 2020.

Rufilo is headquartered in Mumbai, India. It is registered at Mumbai, Maharashtra, India.

Rufilo has 262 employees.

The primary company behind Rufilo, Onemi Technology Solutions Limited, reported revenue of ₹2,209 Cr for FY 2026, up 63% year on year.

Rufilo is a financial app that delivers instant personal loans and credit card discovery services to individuals and businesses. It operates by allowing users to apply via a simple mobile app, requiring only Aadhaar for quick approvals up to 36,000. Based in India, it focuses on secure, digital transactions with options for repayments through UPI or bank transfers. The platform serves consumers, self-employed professionals, and small business owners for managing expenses and financial needs.

Rufilo's top competitors include PhoneParLoan, Yaper and UrgentCash.

Rufilo offers Instant Credit Line and Credit Card Discovery Platform.

Yes, Rufilo is publicly traded on NSE under the ticker symbol KISSHT.

Rufilo is associated with 3 legal entities: Onemi Technology Solutions Limited, Si Creva Capital Services Private Limited, Arnold Holdings Ltd.

The legal entities of Rufilo currently have 16 directors, including Priti Paras Savla, Krishnan Vishwanathan, Darshil Nirmal Shah and others.

Yes. Rufilo publishes Small Business Loan: Tradofina, with over 5 million downloads.

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