Onemi Technology Solutions Limited IPO

A significant portion of the company's AUM consists of unsecured loans (98.15% of its total AUM as of March 31, 2025). Any decrease in demand for the company's unsecured loans products may adversely affect its business, financial condition, cash flows, results of operations and prospects.

The company's success depends on retaining and expanding its customer base. If the company is unable to attract new customers or are unable to retain and grow our relationships with the company's existing customers, the company's business, financial condition, cash flows, results of operations and prospects would be materially and adversely affected.

The company's business operations involve transactions with borrowers with higher risk of default. Any default from its customers or non-recovery from the company's customers or the company's inability to recover the full value of collateral (in case of secured loans) could adversely affect its business, financial condition, cash flows, results of operations and prospects.

If the company does not continue to innovate and further develop its platform or the company's platform developments do not perform, or the company is not able to keep pace with technological developments, the company may not remain competitive and the company's business, financial condition, cash flows, results of operations and prospects could suffer.

The growth of the company's business will depend upon the strength of the company's"Kissht" brand, and any failures to maintain, protect and enhance its brand or any negative publicity could limit the company's ability to retain or expand its customer base, which could materially and adversely affect the company's business, financial condition, cash flows, results of operations and prospects.

Systems failures and resulting interruptions in the availability of our platform could adversely affect the company's business, financial condition, cash flows, results of operations and prospects.

The company requires substantial capital for its business. Any disruption in the company's sources of capital or the company's inability to meet our obligations, including financial and other covenants under its debt financing arrangements could adversely affect the company's business, financial condition, cash flows, results of operations and prospects.

The company relies on mobile operating systems and application marketplaces to make the company's applications available to customers. If the company does not effectively operate with or receive favorable placements within such application marketplaces, the company's usage could decline and its business, financial condition, cash flows, results of operations and prospects could be adversely affected.

As an NBFC, the company's Subsidiary is subject to periodic inspections by the RBI, and any non-compliance with such observations made by the RBI during these inspections could subject the company to penalties, restrictions and cancellation of the relevant license and could adversely affect its business, financial condition, results of operations and cash flows.

The company has entered into lending arrangements with certain third-party non-banking financial companies 39.45% of its total AUM as of March 31, 2025 was attributable to the company's off-book loans). Any premature termination of such lending arrangements may adversely affect its business, financial condition, cash flows, results of operations and prospects.