Is Ring Loan App Safe? RBI DLA Directory Verdict
Directory checked 2026-10-12
- ✅ Listed in RBI's DLA directory as “Ring”
- 🏛️ Deployed by: 6 regulated entities (see below)
- 📧 Grievance officer: care@kissht.com
- 🛡️ Complaint route: RBI CMS portal (free)
🔍 Ring — What RBI's DLA Directory Records
| Regulated entity | ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | OnEMI Technologies Solutions Limited |
| Entity website | https://www.adityabirlacapital.com/loans/our-digital-lending-platform-partners |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
| Regulated entity | MAS FINANCIAL SERVICES LIMITED (NBFC) |
| LSP (Lending Service Provider) | OnEMI Technology Solutions Limited |
| Entity website | https://sicrevacapital.com |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
| Regulated entity | NORTHERN ARC CAPITAL LIMITED (NBFC) |
| LSP (Lending Service Provider) | OnEMI Technology Solutions Limited |
| Entity website | https://www.northernarc.com |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
| Regulated entity | PIRAMAL FINANCE LIMITED (FORMERLY KNOWN AS PIRAMAL CAPITAL & HOUSING FINANCE LIMITED) (NBFC) |
| LSP (Lending Service Provider) | OnEMI Technology Solutions Limited |
| Entity website | https://www.piramalfinance.com/about-us/lending-partners |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
| Regulated entity | SI CREVA CAPITAL SERVICES PRIVATE LIMITED (NBFC) |
| LSP (Lending Service Provider) | OnEMI Technology Solutions Limited |
| Entity website | https://sicrevacapital.com |
| Grievance officer | Reefat Shaikh |
| Grievance contact | care@kissht.com · 8044745952 |
| Regulated entity | SMFG INDIA CREDIT COMPANY LIMITED (NBFC) |
| LSP (Lending Service Provider) | OnEMI Technology Solutions Limited |
| Entity website | https://www.smfgindiacredit.com/digital-lending-partner.aspx?tab=loan_details |
| Grievance officer | Shreya Madiwala |
| Grievance contact | grievanceofficer@sicrevacapital.com · 8044745954 |
📱 Distributed via: Google Play
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 Ring loan app safe?
Ring is listed in RBI's public directory of Digital Lending Apps, deployed by 6 regulated entities including ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE 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 Ring?
Ring is deployed by 6 RBI-regulated entities: ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED), MAS FINANCIAL SERVICES LIMITED, NORTHERN ARC CAPITAL LIMITED, PIRAMAL FINANCE LIMITED (FORMERLY KNOWN AS PIRAMAL CAPITAL & HOUSING FINANCE LIMITED), SI CREVA CAPITAL SERVICES PRIVATE LIMITED, SMFG INDIA CREDIT COMPANY LIMITED. Your loan agreement names the specific entity for your loan — check it there.
Ring customer care / grievance contact?
The grievance redressal officer on record for ADITYA BIRLA CAPITAL LIMITED (MERGED WITH ADITYA BIRLA FINANCE LIMITED) is 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 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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