RING

RING is India’s trusted credit app for the young and the ambitious, the dreamers and the doers. We are a Made-in-India app that is 100% digital with credit provided by an RBI-registered NBFC (Si Creva Capital

Services Pvt. Ltd), offering long-term and short-term personal loans, and a plethora of payment options.

Customers can avail of credit up to Rs. 5 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 loans 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 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

* UPI Payments

*Quick Transactional credit

* Power Loan up to Rs. 5 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

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:

● PAN

● 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

02241434302/ 02268135496

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.

Disclaimer:

The application is SSL-certified, and all transactions are 100% safe and secure.