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RING is India’s trusted transactional credit app for the young and the restless, the dreamers and the doers. We are Made-in-India app that is 100% digital with credit provided by an RBI-registered NBFC (Si Creva Capital Services Pvt. Ltd), offering quick credit, personal loans, and a plethora of payment options.

Customers can avail of credit up to Rs. 2 lakhs with quick and paperless KYC in under 5 minutes! APR varies from 18% – 36% per annum. Convenient repayment over 3 to 24 months. Unlock higher pre-approved limits on timely repayment.

RING follows a human-first approach to customer service. We care deeply about customer safety, and data protection and take adequate measures to ensure that our customers have a seamless and delightful experience, at every interaction. Our collection processes are designed to be empathetic and follow all guidelines prescribed by RBI and MeiTY.

Use RING’s pre-approved limit to unlock awesome benefits:

  • Pay at over 8 lakh RING merchant stores across India
  • Transfer to your own bank account for quick cash
  • Transact online and offline
  • Seamless Bill Payments
  • UPI Payments
  • Power Loan up to Rs. 2 Lakhs

Extra Bonus: Win unbelievable rewards and cashback, each time you transact on RING.

Example of Credit for Small Business Purchases
Loan amount (Principal): ₹ 1,00,000.
Tenure: 12 months.
Interest Rate: 30% per annum.
Processing Fee (incl. GST): ₹ 3000 (3%).
Total Interest: ₹ 16,985.
EMI: ₹ 9747.
APR: 36.86%.
Loan amount is ₹ 1,00,000.
Disbursed amount is ₹ 97,000.
Total loan repayment amount is ₹ 1,16,985.
Total Cost of the Loan = Interest Amount + Processing Fees = ₹16,985 + ₹3000 = ₹19,985

How to avail RING Limit:

  1. Open the camera/scanner to scan the welcome QR Code and install the app
  2. Enter the amount to make the payment
  3. Register with your contact number & PAN details
  4. Accept the offer and start using your LIMIT
  5. Pay as per the agreed repayment schedule

Why Choose RING?

  • Easy credit up to Rs. 2 lakhs
  • Quick & Simple Application Process
  • Flexible and Multiple Repayment Options
  • Instant Approval & Credit Activation
  • No Physical Documentation
  • No Collateral Required

We work with RBI-registered NBFCs.The NBFCs are as follows:
-Si Creva Capital Services Pvt Ltd
-Poonawalla Fincorp Limited
-MAS Financial Services Limited

Eligibility Criteria:
● Applicant age should be 21 & above
● Indian Nationality

Documents Required:
● Aadhaar

We Care For You!

At RING we care about the safety and well-being of our customers. Our collection processes follow RBI guidelines and reflect our values of empathy and courtesy.

These are our 7 rules of Customer Care:

  1. We don’t contact customers via any private or personal 10-digit mobile number on WhatsApp or SMS.
  2. We don’t contact customers for payment collection reminders from personal mobile numbers, foreign numbers or Internet-based VOIP calls. Our team always calls you from registered landline numbers.
  3. We never ask customers to make payments into personal or private bank
    accounts. Payments are only collected on our website or the app.
  4. All our calls are monitored and recorded. Our agents never use threats or abusive language.
  5. We never ask for commission or cutbacks on payments of dues.
  6. Our App does not seek permission to access your Contacts List or any other private data.
  7. We never call your friends or relatives for repayment of your loan as we do not store your personal information.

In case you have faced any of the above-mentioned situations, do this:

  1. Write to care@pay-with-ring.com OR call our customer care number on
    02262820570/ 0224891492.
  2. Share with us a screenshot or recording of the message or call.

Address: Office unit 2,3 & 4, 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla (West), Mumbai -400070. Maharashtra, India.
The application is SSL-certified, and all transactions are 100% safe and secure.

Download links

How to install RING APK?

1. Tap the downloaded RING APK file.

2. Touch install.

3. Follow the steps on the screen.

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