Kissht doubles net profit to ₹125 Cr in Q2 FY27, revenue up 45%

Financial performance in Q2 FY27

Kissht reported a consolidated net profit of ₹125.1 Cr for the second quarter of FY27, more than doubling from ₹62.4 Cr in the same period last year. Operating revenue rose 44.7% year-on-year to ₹731.8 Cr, driven by growth in its digital lending business.

Total income, including ₹8.5 Cr in other income, reached ₹740.3 Cr for the quarter, up from ₹518 Cr a year earlier. The company’s expenses grew 34.9% to ₹586 Cr, but revenue growth outpaced this increase, improving the net profit margin.

Impairment losses on financial instruments rose 9% to ₹133 Cr, while employee benefit expenses increased 38.8% to ₹68 Cr. Finance costs remained flat at ₹72 Cr, and depreciation expenses declined 8.8% to ₹5 Cr. Other expenses surged 65.6% to ₹308 Cr.

Subsidiary funding and business expansion

Kissht’s board approved a ₹624.1 Cr investment in its lending subsidiary, Si Creva Capital Services, through a rights issue. This funding is aimed at strengthening the subsidiary’s capital base as Kissht expands its digital lending operations.

The company, founded in 2015 by Ranvir Singh and Krishnan Vishwanathan, offers small-ticket consumer loans, including personal loans and loans against property. It has expanded its lending partnerships across sectors such as electronics, fashion, and travel, primarily earning revenue through interest income.

Half-yearly performance

For the first half of FY27, Kissht’s operating revenue grew 44.6% to ₹1,401 Cr, while net profit rose 80.3% to ₹220 Cr. This compares to ₹122 Cr in profit for the same period in FY26. On a sequential basis, net profit grew 31.6%, and operating revenue increased 9.3%.

What this means

Lazyfounder analysis — our interpretation, not reported fact.

Kissht’s Q2 FY27 results reflect a strong recovery and scaling phase for the digital lender, with profitability improving as revenue growth outpaces expenses. The ₹624.1 Cr investment in subsidiary Si Creva signals confidence in expanding lending operations, which could position Kissht more aggressively in India’s competitive fintech space.

For founders and operators in digital lending or fintech, Kissht’s performance highlights the importance of balancing growth with expense management—particularly in loan provisions and operational costs. The company’s ability to maintain flat finance costs while scaling revenue demonstrates operational discipline, a key factor for sustainable profitability in lending businesses.

The approval of significant capital infusion into Si Creva also suggests a strategic push to deepen lending capabilities, potentially setting a precedent for how fintech firms can leverage subsidiaries to scale niche products or segments.

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