RING

Onemi Technology Solutions Pvt. Ltd.

About this app

RING is India’s trusted transactional credit app for the young and the restless, the dreamers
and the doers. We are a homegrown, 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.5 lakhs with quick and paperless KYC in under 2
minutes! APR varies from 14% - 28% 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.5 Lakhs

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

Example for using RING Limit
Instant credit amount (Principal): ₹10,000
Tenure: 6 months
Interest Rate: 0% per annum.
Processing Fee (incl. GST): ₹300 (3%)
Total Interest: ₹0
EMI: ₹1717
APR: 7.5%
Credit amount: ₹10,000
Total repayment amount: ₹10,300
Total Cost of the Loan = Interest Amount + Processing Fees = ₹0 + ₹300 = ₹300



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. 5 lakhs
• One-click magic Onboarding.
• Quick & Simple Application Process
• Flexible and Multiple Repayment Options
• Instant Approval & Credit Activation
• No Physical Documentation
• No Collateral Required


Eligibility Criteria:
● Applicant age should be 21 & above
● Indian Nationality
● Minimum monthly salary: Rs.40,000

Document Required:
● Only PAN required

We Care For You!

At RING we care deeply 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 do not contact customers via any private or personal 10-digit mobile
number on WhatsApp or SMS.
2. We do not 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. Report and Block the number. It could be fraudulent.
2. Write to [e-mail] OR call our customer care number on
02262820570/ 0224891492.
3. 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.

Ratings and reviews

This is a fraud app. They say account transfer is free and there is no charge if you return in 30 days. They are charging extra before the payments and also to pay back, if you use Google pay or another UPI or even your debit card they are charging extra on that. I urge everyone not to install this app and stay away if you wish to keep your money safe.

This app only allows first transaction with out any charges. When you pay the bill outstanding they show a membership fee which is just a gimmick to cheat you. Then from second transfer this app charges a 9.3% transaction fee which is too high. This is a cheat app don't fall for it.

It's one of the bestest app I have ever used.It was to easy to use & the amount you can do with this app is incredible.This process only took 2-3 minutes.The way RING works is very simple. I loved the fact that you get reward points for every transaction, which can be redeemed at the end of each month to buy stuff from their shop

What's new

UI improvements for enhanced customer experience
Bug fixes and under the hood improvements