Si Creva Capital Services Pvt Ltd’ (SiCreva) is the NBFC entity duly registered with the Reserve Bank of India. SiCreva finances the Rufilo, an app-based credit line, and SMaRT credit discovery platform. The app uses the latest technology to track the expenses and helps track the best credit card offers available in the market for the customers.

SiCreva also outsources certain activities to OnEMI. OnEMI is the FinTech Company and Kissht is the brand name of OnEMI. Kissht is a credit-led payment solutions platform by Onemi Technology Solutions Pvt Ltd that provides consumers seamless and easy to access credit for purchases across online and offline channels. Core to the technology is a credit IP that leverages alternate data sets and is able to assess the creditworthiness of new-to-credit and lower income segments in a real-time/instant process to enable the on-the-spot purchase. The Kissht platform is a fully digitized and automated fulfilment platform that supports all types of credit led. The platform is fully integrated with credit bureaus, Aadhar, UPI and NSDL. Kissht, has been designed by OnEMI Technology Solutions Private Limited with an aim to empower Online as well as Offline Merchant stores to provide easy and quick EMI to customers who wish to fulfil their aspirational needs of purchasing Mobiles, Laptops, Jewellery, Cameras, Furniture’s, AC, Watches, Home & Kitchen Appliances, Tour Package, Health Packages and many more on easy EMI through OnEMI’s tie-ups with 20 + financial Institutions across the country.