Is Pay with Ring Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Pay with Ring”
- 🏛️ Deployed by: MIRAE ASSET FINANCIAL SERVICES (INDIA) PRIVATE LIMITED (NBFC)
- 🤝 LSP: ONEMI Technology Solutions Limited (Lending Service Provider, per RBI's directory). The loan itself is given by MIRAE ASSET FINANCIAL SERVICES (INDIA) PRIVATE LIMITED.
- 📧 Grievance officer: care@kissht.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Pay with Ring — What RBI's DLA Directory Records
| Regulated entity | MIRAE ASSET FINANCIAL SERVICES (INDIA) PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | ONEMI Technology Solutions Limited |
| Entity website | https://www.miraeassetfin.com/ |
| Grievance officer | Mr. Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
📱 Distributed via: iOS App Store
Source: RBI — Digital Lending Apps deployed by Regulated Entities (public directory), checked 2026-10-12. Listings are reported by the regulated entities on RBI's CIMS portal without further validation by RBI — a listing is not an RBI endorsement. Always confirm the lender named inside the app matches the entity above before sharing documents.
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❓ Quick Answers
Is Pay with Ring loan app safe?
Pay with Ring is listed in RBI's public directory of Digital Lending Apps, deployed by MIRAE ASSET FINANCIAL SERVICES (INDIA) PRIVATE LIMITED (NBFC). The listing is reported by the regulated entity on RBI's CIMS portal — always confirm the lender named inside the app matches this entity before sharing KYC.
Which lender is behind Pay with Ring?
Pay with Ring is deployed by MIRAE ASSET FINANCIAL SERVICES (INDIA) PRIVATE LIMITED, a NBFC regulated by RBI. This is the legal lender named in your loan agreement.
Pay with Ring customer care / grievance contact?
The grievance redressal officer on record is Mr. Reefat Shaikh — care@kissht.com, 8044745952. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against Pay with Ring?
Step 1: raise the issue inside the app. Step 2: email the grievance officer (care@kissht.com). Step 3: no resolution in 30 days — escalate free to the RBI Ombudsman at cms.rbi.org.in.
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