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I’m Ratul Puri, an organic farmer from Sikkim, India and recently I’ve been noticing how quickly organic farming and organic food markets seem to be growing in the U.S. From what I’ve read, factors like increasing health awareness, demand for chemical free food, sustainability concerns, and changing consumer preferences are playing a major role.

At the same time, I also see discussions about higher production costs, certification requirements, and supply chain challenges that organic farmers may still be dealing with.

I’m curious to understand from people here, especially farmers, consumers, or those connected with agriculture in the U.S., what do you think is driving this rapid growth in organic farming? Is it mainly consumer demand, environmental awareness, government support, or something else?

Would love to hear different perspectives and real experiences on this topic.

I am Ratul Puri from Sikkim, India and I have been involved in organic farming for some time. Recently, I have been reading about the growing demand for organic food and sustainable agriculture practices in the U.S. At the same time, I also came across discussions about rising production costs, climate-related issues, certification processes, labor shortages, and market competition affecting farmers.
I wanted to understand from people here, especially those connected with farming or the organic food industry in the U.S., what are the biggest practical challenges organic farmers are facing today? Are government support, consumer awareness, and pricing helping the industry grow, or are there still major difficulties for small and medium farmers?
I would love to hear different perspectives and experiences on this.

I have been tracking the Kissht (OnEMI Technology Solutions) IPO over the past 2 days, and it is interesting to see the amount of attention that has been attracted to it, or at least by the institutional investors. The problem remains unresolved today, and the general mood concerning the issue is rather positive.

It is not the numbers that are interesting, but the speed at which the company has been expanding its digital lending presence. Their book of loans has continued to grow steadily over the past few years and the profitability has also continued to improve in line with this growth. The capital that they are raising today is in large part focused on enhancing the tech and credit infrastructure on which their model is based.
With the listing around the corner, it’s shaping up to be one of the more closely watched fintech IPOs this month.

What do you think of the IPO so far to follow or too early to tell?

I was going through the details of the OnEMI Technology Solutions (Kissht) IPO and it doesn’t really feel like a typical early-stage fintech listing.

The company appears to already have a fairly established foothold in digital lending through Kissht. What surprised me is that the now seems to be shifting more towards scaling what already works instead of simply pursuing user growth.

To the best of my knowledge, the business is in the process of being focused on:

• Active lending and frequent use.
• Consistent revenue generation
• Enhancement of its credit business.

The following are some of the important numbers that can help in this:

1. Revenue has surpassed ₹ 1,300 crore.
2. The company is already profitable.
3. AUM is above ₹5,900 crore.

Here, then, growth seems to be supported by real lending activity, rather than expansion, or acquisition of users.

Meanwhile, the IPO format implies that much of the capital will be invested in the lending subsidiary, which will hopefully enable them to scale disbursements further.

IPO details:

• Price band: ₹162–171
• Issue dates: April 30 – May 5, 2026
• Expected listing: May 8, 2026

It is worth noting that there is some institutional involvement before the issue opening.
With that said, good credit quality, sound risk management and strong positioning will be some of the main reasons why it will grow in the future.

In general, it is more of a company that is transitioning to building presence to more of an execution and scaling-focused company.

Wondering what other people think, do you look at this as a long-term play or more to gain some listing?

I went through the RHP and some available data on OnEMI Technology Solutions (Kissht), and a few things stood out to me. It’s not just about growth here, but also how that growth is being managed.

Quick numbers:

• AUM: ~₹5,532.78 crore (9M FY25)
• PAT: ~₹199 crore (9M FY25)
• ROE: ~23.5%

At first glance, these numbers suggest that the company is scaling its lending book while still maintaining profitability and capital efficiency . That’s something not all fintech lenders have been able to do consistently.

IPO details:

• Price band: ₹162–171
• Lot size: 87 shares
• Open: April 30, 2026
• Close: May 5, 2026
• Expected listing: May 8 (NSE/BSE)

Nothing unusual in the structure, it looks like a standard IPO setup.

What seems interesting:

• Platforms like Kissht and PaywithRING are already fairly established in the digital lending space
• Return ratios (like ROE) look relatively strong
• Company is already profitable while growing

Also, from what I understand, a good portion of the IPO proceeds will go into strengthening the lending book, which makes sense since growth here depends heavily on capital availability.

Overall thoughts:

It looks like a fintech player that’s trying to balance growth with profitability, rather than just chasing scale. The numbers do look decent on the surface, but of course, things like asset quality, credit risk, and sustainability of returns will matter going forward.

Curious to hear what others think, does this look like a sustainable model, or are there risks I might be missing?