Is PaywithRING (by Kissht) Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “PaywithRING (by Kissht)”
- 🏛️ Deployed by: 2 regulated entities (see below)
- 📧 Grievance officer: care@kissht.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 PaywithRING (by Kissht) — What RBI's DLA Directory Records
| Regulated entity | HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | OnEMI Technology Solutions Private Limited |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 0 |
| Regulated entity | VIVRITI CAPITAL LIMITED (EARLIER KNOWN AS HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | OnEMI Technology Solutions Private Limited |
| Entity website | https://www.vivriticapital.com/ |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 0 |
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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 PaywithRING (by Kissht) loan app safe?
PaywithRING (by Kissht) is listed in RBI's public directory of Digital Lending Apps, deployed by 2 regulated entities including HARI AND COMPANY INVESTMENTS MADRAS 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 one of these entities before sharing KYC.
Which lender is behind PaywithRING (by Kissht)?
PaywithRING (by Kissht) is deployed by 2 RBI-regulated entities: HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED, VIVRITI CAPITAL LIMITED (EARLIER KNOWN AS HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED). Your loan agreement names the specific entity for your loan — check it there.
PaywithRING (by Kissht) customer care / grievance contact?
The grievance redressal officer on record for HARI AND COMPANY INVESTMENTS MADRAS PRIVATE LIMITED is Reefat Shaikh — care@kissht.com, 0. Use this official contact, not helpline numbers found via Google search (scam helplines target loan-app users).
How do I complain against PaywithRING (by Kissht)?
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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