
About Pay with Ring
Pay with Ring is a publicly listed company based in Mumbai (India) founded in 2016 by Krishnan Vishwanathan and Ranvir Singh. Instant personal loans are offered via an online paperless platform. It operates on a FinTech and Commission-Based model. The company has 306 employees. Its chief executive, as recorded, is Ranvir Singh. Its website paywithring.com draws about 208 thousand monthly visits. Its Indian entity Onemi Technology Solutions Limited reported revenue of ₹2,209 Cr. Pay with Ring offers products and services including Personal Loans, Business Loans, and Personal Accident Insurance. Its focus areas include Financials, Consumer Finance and Personal Loans. Its competitors include FlexiLoans, Clix Capital and InCred; 3 of its 3 listed competitors have raised funding.
Company details
Personal and business loans are offered by Pay with Ring to meet diverse financial needs in India. Support is provided for personal milestones, business growth, and emergency funding through quick, paperless processes. Additionally, personal accident insurance is made available in partnership with Aditya Birla Health Insurance, covering accidental death and disabilities. The company operates in the fintech sector, focusing on seamless digital lending and insurance solutions for a wide customer base.
- Headquarters Mumbai, India
- Employees 306
- Founders Krishnan Vishwanathan, Ranvir Singh
- Stage Public
- SectorsFinancial Services
- Website category Finance
- Email••••••••
- Phone•••• ••••
- Website paywithring.com
- Social LinkedIn X Facebook Instagram YouTube
- Legal Name Onemi Technology Solutions Limited
- Date of Incorporation 18 Jun, 2016
- Jurisdiction Mumbai, Maharashtra, India
- Market Cap₹5,506 Cr
KISSHT · NSE
- Share Price₹305.10
-1.31% today
- Revenue₹2,209 Cr
FY 2025-26 · +63.3% YoY
- EBITDA₹739 Cr
Margin 33.5%
- Net Profit₹281 Cr
FY 2025-26 · +75.4% YoY
- P/E (TTM)17.4x
P/B 2.5x
- ROE24.0%
ROCE 22.6%
- Debt / Equity1.70
Interest cover 47.5x
- Latest Funding Round$11.96M (USD), Debt – Venture
Apr 2024
- Investors
- Employee Count306
Associated legal entities of Pay with Ring
Pay with Ring operates through Onemi Technology Solutions Limited, a listed company (active). Its filings, financials, charges and directors are on the company page.
| Legal entity | Status | Incorporated | Registered in | Revenue (FY 2026) | Employees | Directors | Company page |
|---|---|---|---|---|---|---|---|
| Onemi Technology Solutions Limited Listed CIN U72900MH2016PLC282573 | Active | 18 Jun 2016 | Mumbai, Maharashtra | ₹2,209 Cr | 306 | 9 | View details |
Products & Services of Pay with Ring
Pay with Ring offers a comprehensive portfolio of products and services, including Personal Loans, Business Loans, and Personal Accident Insurance.
Personal loans are provided for various financial needs.
Business loans are offered to support business growth.
Insurance coverage is provided for accidental incidents.
Apps and channels of Pay with Ring
Pay with Ring publishes 1 mobile app with over 10M+ downloads; its YouTube channel Kissht has 13.6K subscribers and 30 videos.
Videos from Pay with Ring
The most watched videos on Pay with Ring's YouTube channel, Kissht (13.6K subscribers). Click a video to play it here.
More on Kissht.
Funding Insights of Pay with Ring
- Total Rounds 2
- Last Round Debt – Venture — $11.96M
- Investors Count 1
All 2 funding rounds of Pay with Ring with amounts and investors; the two latest post-money valuations are shown, the rest are part of the premium plan.
| Date | Amount | Transaction Name | Valuation | Lead Investors | Investors |
|---|---|---|---|---|---|
| Apr 2024 | $11.96M | Debt – Venture | – | – | |
| Jun 2022 | Debt – Venture | – | – |
1 investors in total: 1 institutional.
Investors in Pay with Ring
Pay with Ring has secured backing from 1 investor, including venture fund investors. Prominent investors backing the company include Trifecta Capital.
| Investor | Description | Founded Year | Domain | Location |
|---|---|---|---|---|
Private debt and equity funds are managed for technology sectors. | trifectacapital.in | Gurugram, India |
Investor details for Pay with Ring
The complete investor list, round-by-round participation and investor portfolios require an active premium plan.
- Complete investor list
- Round participation
- Investor portfolios
- Co-investor network
Verified entity values are shown only after access is granted.
Board of directors of Onemi Technology Solutions Limited (Pay with Ring)
Onemi Technology Solutions Limited is the primary company behind Pay with Ring. The board of Onemi Technology Solutions Limited currently have 6 directors; the longest-serving is Krishnan Vishwanathan, appointed in 2016. 14 earlier directors have ceased.
| Director | Designation | Appointed | Tenure | Entity |
|---|---|---|---|---|
| Krishnan Vishwanathan DIN 07191366 | Director | 18 Jun 2016 | 10 yrs 4 mo | Onemi Technology Solutions Limited |
| Piyush Kharbanda DIN 08126225 | Nominee Director | 26 Dec 2018 | 7 yrs 10 mo | Onemi Technology Solutions Limited |
| Ranvir Singh DIN 06673951 | CEO | 12 Apr 2022 | 4 yrs 6 mo | Onemi Technology Solutions Limited |
| Alok Bansal DIN 01653526 | Director | 16 Jun 2025 | 1 yr 4 mo | Onemi Technology Solutions Limited |
| Sangeeta Pendurkar DIN 03321646 | Director | 16 Jun 2025 | 1 yr 4 mo | Onemi Technology Solutions Limited |
| Yogesh Yashpaul Chadha DIN 01681680 | Director | 02 Dec 2025 | 10 mo | Onemi Technology Solutions Limited |
People of Pay with Ring
19 people are tracked at Pay with Ring (5 in leadership, 14 in team); the tracked headcount is 306.
| Name | Role | Group |
|---|---|---|
| Co-Founder | Leadership | |
| Co-Founder & CEO | Leadership | |
Anand Venkatachalam | Vice President & Head - Administation & Infrastructure | Leadership |
Vivek Katyayan | Chief Operating Officer | Leadership |
Ronald D'Souza | Head Of Business Operations | Leadership |
Nilay Shah | Engineering Manager | Team |
Abhilash Akula | Senior Software Test Engineer | Team |
Deepika Bodke | Senior Software Development Engineer Test 3 | Team |
Rohan Khanolkar | Devops Manager | Team |
Nikunj Dhimar | Senior Software Engineer | Team |
Surya Pramanik | City Manager | Team |
Jinang Vora | Manager Business Operations & Alliances | Team |
Govind Verma | City Manager | Team |
Pritam G Badwar | Business Intelligence Team Lead | Team |
Sujit Poojari | Engineering Manager | Team |
Javed Hasan | Engineering Manager | Team |
Mukesh Bhargav | Senior Software Engineer | Team |
Pooja Sankhe | Senior Software Test Engineer | Team |
Rahul Pandekar | Software Engineering Manager | Team |
Complete people profiles for Pay with Ring
Full employee and board profiles, team structure, tenure and professional contact details require an active premium plan.
- Full employee list
- Team structure
- Board tenure
- Professional contacts
Verified entity values are shown only after access is granted.
IPO & Listings of Pay with Ring
Pay with Ring is a publicly listed company on the NSE with ticker symbol KISSHT in India. As a publicly traded entity, the company provides investors with opportunities to participate in its growth story through equity ownership. The listing enables access to capital markets, enhances corporate visibility, and provides liquidity for shareholders while maintaining transparency through regulatory compliance and regular financial disclosures.
- Listed onNSE: KISSHT
- Listed entityOnemi Technology Solutions Limited
Financials of Pay with Ring
Exchange-reported figures of Onemi Technology Solutions Limited, the listed company behind Pay with Ring (NSE: KISSHT).
Financial Highlights
FY 2025-26 · ConsolidatedRevenue vs Net Profit ₹ Cr
Margin trends
Financial summary ₹ Cr
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Income statement | ||||||
| Revenue | 2,209 | 1,352 | 1,700 | 1,000 | 517 | 175 |
| Revenue growth | +63.3% | -20.4% | +70.0% | +93.5% | +195.3% | - |
| EBITDA | 739 | 438 | 393 | 124 | 86.34 | (23.45) |
| EBITDA margin | +33.5% | +32.4% | +23.1% | +12.4% | +16.7% | -13.4% |
| Profit before tax | 377 | 216 | 267 | 23.96 | 53.85 | (55.24) |
| Net profit | 281 | 160 | 197 | 27.72 | 62.62 | (58.45) |
| Net profit margin | +12.7% | +11.9% | +11.6% | +2.8% | +12.1% | -33.4% |
| EPS (₹) | 23.70 | 299.50 | 412.74 | 57.88 | 268.53 | (250.65) |
| Balance sheet | ||||||
| Total assets | 3,783 | 2,570 | 1,646 | 1,012 | 381 | 296 |
| Net worth | 1,343 | 1,006 | 805 | 566 | 240 | 166 |
| Total debt | 2,429 | 1,556 | 836 | 444 | 139 | 119 |
| Cash & bank | 241 | 144 | 318 | 661 | 125 | 107 |
| Net working capital | 2,912 | 2,030 | 1,300 | 810 | 316 | 256 |
| Cash flow | ||||||
| Cash from operations | (461) | (661) | (637) | 48.36 | (15.63) | 78.95 |
| Cash from investing | (70.40) | (33.23) | 40.42 | 24.37 | 32.87 | 99.87 |
| Cash from financing | 608 | 542 | 312 | 507 | 19.45 | (202) |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 |
|---|---|---|---|---|---|---|
| Revenue | 670 | 619 | 591 | 515 | 463 | 369 |
| Revenue growth (YoY) | +44.6% | +67.8% | - | - | - | - |
| Other income | 7.06 | 5.86 | 9.64 | 2.81 | 2.61 | 4.05 |
| EBITDA | 207 | 186 | 175 | 157 | 142 | 123 |
| EBITDA margin | +31.0% | +30.1% | +29.5% | +30.5% | +30.6% | +33.3% |
| Depreciation | 4.82 | 5.35 | 5.48 | 5.48 | 5.30 | 4.65 |
| Interest | 81.88 | 76.51 | 75.01 | 71.51 | 59.23 | 52.27 |
| Profit before tax | 128 | 110 | 104 | 83.00 | 79.74 | 70.12 |
| Tax | 32.63 | 28.06 | 26.60 | 20.55 | 20.01 | 15.97 |
| Net profit | 95.07 | 82.19 | 77.10 | 62.45 | 59.73 | 54.15 |
| EPS (₹) | 5.88 | 6.22 | 5.84 | 0.00 | 4.54 | 4.17 |
| Metrics | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Income statement | ||||||
| Revenue | 734 | 321 | 429 | 264 | 156 | 31.85 |
| Revenue growth | +128.6% | -25.1% | +62.3% | +69.6% | +389.0% | - |
| EBITDA | 209 | 84.21 | 129 | 37.36 | 47.68 | (52.00) |
| EBITDA margin | +28.4% | +26.2% | +30.1% | +14.2% | +30.6% | -163.3% |
| Profit before tax | 192 | 66.83 | 111 | 26.44 | 41.18 | (57.88) |
| Net profit | 144 | 50.70 | 82.46 | 24.65 | 52.81 | (57.88) |
| Net profit margin | +19.6% | +15.8% | +19.2% | +9.3% | +33.9% | -181.7% |
| EPS (₹) | 12.13 | 94.91 | 172.53 | 51.63 | 217.19 | (237.94) |
| Balance sheet | ||||||
| Total assets | 994 | 795 | 708 | 587 | 224 | 160 |
| Net worth | 964 | 764 | 672 | 554 | 223 | 159 |
| Total debt | 17.58 | 26.60 | 33.15 | 0.00 | 0.00 | 0.00 |
| Cash & bank | 44.83 | 10.82 | 121 | 232 | 39.54 | 0.49 |
| Net working capital | 58.31 | 140 | 227 | 222 | 29.45 | (22.10) |
| Cash flow | ||||||
| Cash from operations | 176 | 68.21 | 52.82 | 75.65 | 39.29 | (35.55) |
| Cash from investing | (300) | (181) | (145) | (179) | (0.25) | 13.91 |
| Cash from financing | 137 | 3.21 | (18.22) | 295 | 0.00 | 0.00 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 |
|---|---|---|---|---|---|---|
| Revenue | 216 | 204 | 221 | 134 | 140 | 99.97 |
| Revenue growth (YoY) | +54.6% | +103.7% | - | - | - | - |
| Other income | 11.57 | 10.90 | 7.54 | 10.02 | 7.67 | 4.35 |
| Total expenses | 155 | 147 | 152 | 121 | 106 | 66.38 |
| EBITDA | 61.03 | 56.76 | 69.16 | 12.74 | 33.64 | 33.59 |
| EBITDA margin | +28.3% | +27.9% | +31.3% | +9.5% | +24.1% | +33.6% |
| Depreciation | 2.64 | 3.28 | 3.38 | 3.31 | 3.20 | 2.52 |
| Interest | 0.51 | 0.81 | 0.86 | 0.80 | 0.72 | 0.94 |
| Profit before tax | 69.45 | 63.57 | 72.46 | 18.65 | 37.39 | 34.48 |
| Tax | 17.51 | 16.27 | 18.45 | 3.71 | 9.54 | 7.40 |
Financial Statements
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 |
|---|---|---|---|---|---|---|
| Revenue | 670 | 619 | 591 | 515 | 463 | 369 |
| Revenue growth (YoY) | +44.6% | +67.8% | - | - | - | - |
| Other income | 7.06 | 5.86 | 9.64 | 2.81 | 2.61 | 4.05 |
| EBITDA | 207 | 186 | 175 | 157 | 142 | 123 |
| EBITDA margin | +31.0% | +30.1% | +29.5% | +30.5% | +30.6% | +33.3% |
| Depreciation | 4.82 | 5.35 | 5.48 | 5.48 | 5.30 | 4.65 |
| Interest | 81.88 | 76.51 | 75.01 | 71.51 | 59.23 | 52.27 |
| Profit before tax | 128 | 110 | 104 | 83.00 | 79.74 | 70.12 |
| Tax | 32.63 | 28.06 | 26.60 | 20.55 | 20.01 | 15.97 |
| Net profit | 95.07 | 82.19 | 77.10 | 62.45 | 59.73 | 54.15 |
| EPS (₹) | 5.88 | 6.22 | 5.84 | 0.00 | 4.54 | 4.17 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Revenue | 2,209 | 1,352 | 1,700 | 1,000 | 517 | 175 |
| Revenue growth | +63.3% | -20.4% | +70.0% | +93.5% | +195.3% | - |
| Other income | 0.32 | 0.20 | 0.30 | 1.47 | 0.37 | 0.89 |
| Total expenses | 1,470 | 914 | 1,307 | 876 | 430 | 198 |
| Employee cost | 252 | 193 | 181 | 116 | 57.07 | 28.28 |
| EBITDA | 739 | 438 | 393 | 124 | 86.34 | (23.45) |
| EBITDA margin | +33.5% | +32.4% | +23.1% | +12.4% | +16.7% | -13.4% |
| Depreciation | 21.62 | 22.70 | 22.88 | 17.86 | 7.18 | 6.43 |
| Interest | 341 | 199 | 103 | 83.44 | 25.68 | 26.25 |
| Profit before tax | 377 | 216 | 267 | 23.96 | 53.85 | (55.24) |
| Tax | 95.23 | 55.64 | 70.15 | (3.71) | (8.77) | 3.21 |
| Net profit | 281 | 160 | 197 | 27.72 | 62.62 | (58.45) |
| Net profit margin | +12.7% | +11.9% | +11.6% | +2.8% | +12.1% | -33.4% |
| EPS (₹) | 23.70 | 299.50 | 412.74 | 57.88 | 268.53 | (250.65) |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Equity & liabilities | ||||||
| Share capital | 11.88 | 10.68 | 10.07 | 10.06 | 7.77 | 7.77 |
| Reserves & surplus | 1,331 | 995 | 794 | 556 | 233 | 158 |
| Shareholders' funds (net worth) | 1,343 | 1,006 | 805 | 566 | 240 | 166 |
| Minority interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Secured loans | 2,382 | 1,508 | 784 | 388 | 139 | 119 |
| Unsecured loans | 47.53 | 48.77 | 51.76 | 55.62 | 0.00 | 0.00 |
| Total debt | 2,429 | 1,556 | 836 | 444 | 139 | 119 |
| Total liabilities | 3,783 | 2,570 | 1,646 | 1,012 | 381 | 296 |
| Assets | ||||||
| Gross block | 131 | 126 | 116 | 102 | 32.36 | 31.26 |
| Net block | 43.01 | 52.99 | 57.24 | 66.27 | 11.77 | 17.85 |
| Capital work in progress | 6.30 | 4.78 | 0.15 | 0.00 | 0.00 | 0.00 |
| Investments | 8.05 | 0.00 | 0.00 | 0.00 | 0.10 | 1.10 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 104 | 70.08 | 162 | 65.78 | 6.07 | 0.82 |
| Cash & bank balances | 241 | 144 | 318 | 661 | 125 | 107 |
| Loans & advances | 2,772 | 1,947 | 970 | 346 | 346 | 197 |
| Total current assets | 3,117 | 2,161 | 1,451 | 1,074 | 476 | 305 |
| Total current liabilities | 205 | 131 | 151 | 264 | 160 | 48.88 |
| Net working capital | 2,912 | 2,030 | 1,300 | 810 | 316 | 256 |
| Total assets | 3,783 | 2,570 | 1,646 | 1,012 | 381 | 296 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Opening cash | 133 | 285 | 570 | 106 | 87.96 | 113 |
| Net cash from operating activities | (461) | (661) | (637) | 48.36 | (15.63) | 78.95 |
| Net cash from investing activities | (70.40) | (33.23) | 40.42 | 24.37 | 32.87 | 99.87 |
| Net cash from financing activities | 608 | 542 | 312 | 507 | 19.45 | (202) |
| Net change in cash | 76.73 | (152) | (285) | 579 | 36.69 | (22.73) |
| Closing cash | 241 | 144 | 318 | 661 | 125 | 107 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Growth | ||||||
| Sales growth | +63.3% | -20.4% | +70.0% | +93.5% | +195.3% | - |
| EBITDA growth | +68.6% | +11.5% | +217.3% | +43.4% | +468.2% | - |
| PBT growth | +74.2% | -19.1% | +1016.2% | -55.5% | +9998.0% | +9997.0% |
| Net income growth | +75.4% | -18.7% | +611.7% | -55.7% | +207.1% | - |
| Revenue CAGR (3Y) | +30.2% | +37.8% | +113.4% | - | - | - |
| EBITDA CAGR (3Y) | +81.4% | +71.8% | - | - | - | - |
| Profitability & leverage | ||||||
| Net income margin | +12.7% | +11.9% | +11.6% | +2.8% | +12.1% | -33.4% |
| Return on capital employed | +22.6% | +19.7% | +27.5% | +14.6% | +22.0% | 0.0% |
| Return on net worth | +24.0% | +17.9% | +28.3% | +6.3% | +28.3% | 0.0% |
| Debt / equity | 1.70 | 1.32 | 0.93 | 0.72 | 0.63 | 1.13 |
| Long-term debt / equity | 0.40 | 0.28 | 0.21 | 0.13 | 0.07 | 0.13 |
| Interest cover | 47.52 | 47.99 | 27.78 | 78.77 | 32.44 | -87.85 |
| Efficiency & per share | ||||||
| Fixed asset turnover | 17.18 | 11.15 | 15.55 | 14.86 | 16.26 | 6.05 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 25.34 | 11.64 | 14.90 | 27.88 | 150.13 | 112.40 |
| EPS (₹) | 23.70 | 299.50 | 412.74 | 57.88 | 268.53 | (250.65) |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 113.05 | 1,865.89 | 1,672.13 | 1,173.54 | 1,007.39 | 688.86 |
| Particulars | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 |
|---|---|---|---|---|---|---|
| Revenue | 216 | 204 | 221 | 134 | 140 | 99.97 |
| Revenue growth (YoY) | +54.6% | +103.7% | - | - | - | - |
| Other income | 11.57 | 10.90 | 7.54 | 10.02 | 7.67 | 4.35 |
| Total expenses | 155 | 147 | 152 | 121 | 106 | 66.38 |
| EBITDA | 61.03 | 56.76 | 69.16 | 12.74 | 33.64 | 33.59 |
| EBITDA margin | +28.3% | +27.9% | +31.3% | +9.5% | +24.1% | +33.6% |
| Depreciation | 2.64 | 3.28 | 3.38 | 3.31 | 3.20 | 2.52 |
| Interest | 0.51 | 0.81 | 0.86 | 0.80 | 0.72 | 0.94 |
| Profit before tax | 69.45 | 63.57 | 72.46 | 18.65 | 37.39 | 34.48 |
| Tax | 17.51 | 16.27 | 18.45 | 3.71 | 9.54 | 7.40 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Revenue | 734 | 321 | 429 | 264 | 156 | 31.85 |
| Revenue growth | +128.6% | -25.1% | +62.3% | +69.6% | +389.0% | - |
| Other income | 0.12 | 0.38 | 0.25 | 7.38 | 0.05 | 0.02 |
| Total expenses | 526 | 237 | 300 | 227 | 108 | 83.85 |
| Employee cost | 66.92 | 97.81 | 117 | 87.79 | 39.61 | 17.19 |
| EBITDA | 209 | 84.21 | 129 | 37.36 | 47.68 | (52.00) |
| EBITDA margin | +28.4% | +26.2% | +30.1% | +14.2% | +30.6% | -163.3% |
| Depreciation | 13.17 | 13.96 | 14.51 | 14.75 | 6.48 | 5.85 |
| Interest | 3.52 | 3.80 | 3.51 | 3.55 | 0.07 | 0.05 |
| Profit before tax | 192 | 66.83 | 111 | 26.44 | 41.18 | (57.88) |
| Tax | 47.96 | 15.95 | 28.72 | 1.76 | (11.63) | 0.00 |
| Net profit | 144 | 50.70 | 82.46 | 24.65 | 52.81 | (57.88) |
| Net profit margin | +19.6% | +15.8% | +19.2% | +9.3% | +33.9% | -181.7% |
| EPS (₹) | 12.13 | 94.91 | 172.53 | 51.63 | 217.19 | (237.94) |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Equity & liabilities | ||||||
| Share capital | 11.88 | 10.68 | 10.07 | 10.16 | 7.87 | 7.87 |
| Reserves & surplus | 952 | 754 | 662 | 544 | 215 | 151 |
| Shareholders' funds (net worth) | 964 | 764 | 672 | 554 | 223 | 159 |
| Secured loans | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Unsecured loans | 17.58 | 26.60 | 33.15 | 0.00 | 0.00 | 0.00 |
| Total debt | 17.58 | 26.60 | 33.15 | 0.00 | 0.00 | 0.00 |
| Total liabilities | 994 | 795 | 708 | 587 | 224 | 160 |
| Assets | ||||||
| Gross block | 88.73 | 87.08 | 86.53 | 85.36 | 29.65 | 28.74 |
| Net block | 24.11 | 28.76 | 39.51 | 52.85 | 11.07 | 16.64 |
| Capital work in progress | 6.30 | 4.78 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 806 | 581 | 431 | 296 | 161 | 161 |
| Inventories | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sundry debtors | 98.38 | 81.79 | 134 | 23.02 | 5.06 | 0.22 |
| Cash & bank balances | 44.83 | 10.82 | 121 | 232 | 39.54 | 0.49 |
| Loans & advances | 51.34 | 111 | 10.73 | 8.87 | 1.14 | 12.00 |
| Total current assets | 195 | 204 | 266 | 264 | 45.74 | 12.71 |
| Total current liabilities | 136 | 63.98 | 38.43 | 41.56 | 16.29 | 34.81 |
| Net working capital | 58.31 | 140 | 227 | 222 | 29.45 | (22.10) |
| Total assets | 994 | 795 | 708 | 587 | 224 | 160 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Opening cash | 10.82 | 120 | 231 | 39.01 | 0.49 | 22.13 |
| Net cash from operating activities | 176 | 68.21 | 52.82 | 75.65 | 39.29 | (35.55) |
| Net cash from investing activities | (300) | (181) | (145) | (179) | (0.25) | 13.91 |
| Net cash from financing activities | 137 | 3.21 | (18.22) | 295 | 0.00 | 0.00 |
| Net change in cash | 12.76 | (110) | (110) | 192 | 39.04 | (21.64) |
| Closing cash | 44.83 | 10.82 | 121 | 232 | 39.54 | 0.49 |
| Particulars | FY 2025-26 | FY 2024-25 | FY 2023-24 | FY 2022-23 | FY 2021-22 | FY 2020-21 |
|---|---|---|---|---|---|---|
| Growth | ||||||
| Sales growth | +128.6% | -25.1% | +62.3% | +69.6% | +389.0% | - |
| EBITDA growth | +147.8% | -34.7% | +245.2% | -21.6% | +191.7% | - |
| PBT growth | +187.4% | -39.9% | +320.5% | -35.8% | +9998.0% | +9997.0% |
| Net income growth | +184.2% | -38.5% | +234.5% | -53.3% | +191.2% | - |
| Revenue CAGR (3Y) | +40.6% | +27.3% | +137.9% | - | - | - |
| EBITDA CAGR (3Y) | +77.4% | +20.9% | - | - | - | - |
| Profitability & leverage | ||||||
| Net income margin | +19.6% | +15.8% | +19.2% | +9.3% | +33.9% | -181.7% |
| Return on capital employed | +21.9% | +9.4% | +17.2% | +6.6% | +18.6% | 0.0% |
| Return on net worth | +16.7% | +7.1% | +13.2% | +5.7% | +24.5% | 0.0% |
| Debt / equity | 0.03 | 0.04 | 0.03 | 0.00 | 0.00 | 0.00 |
| Long-term debt / equity | 0.01 | 0.03 | 0.02 | 0.00 | 0.00 | 0.00 |
| Interest cover | 1.80 | 5.41 | 3.07 | 15.70 | 0.17 | -0.09 |
| Efficiency & per share | ||||||
| Fixed asset turnover | 8.35 | 3.70 | 4.99 | 4.72 | 5.34 | 1.18 |
| Inventory turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Debtors turnover | 8.15 | 2.98 | 5.45 | 19.34 | 59.02 | 34.27 |
| EPS (₹) | 12.13 | 94.91 | 172.53 | 51.63 | 217.19 | (237.94) |
| Dividend per share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Book value per share (₹) | 81.16 | 1,415.33 | 1,394.41 | 1,147.92 | 895.18 | 630.05 |
Timeline of Pay with Ring
3 dated milestones of Pay with Ring across 8 years, from founding to its latest funding, stage changes and deals.
- Founded Pay with Ring is founded.
- Funding First funding round.
- Funding Latest funding round, Debt – Venture, of $12.0M.
Competitors of Pay with Ring
Pay with Ring has 3 listed competitors in our database, 3 of them funded. They include FlexiLoans, Clix Capital and InCred.
| Company Name | Domain | Founded | HQ Location | Total funding | Employees | Description |
|---|---|---|---|---|---|---|
| flexiloans.com | 2016 | Mumbai, India | $96.88M | 624 | Business loans and financial products for MSMEs are provided. | |
| clix.capital | 2016 | Gurugram, India | $69.52M | 1,742 | Lending platform for consumers and businesses is provided. | |
| incred.com | 2016 | Mumbai, India | $320.39M | 2,161 | Financial services are provided, specializing in personal and business loans. |
Detailed competitors of Pay with Ring
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- Full competitor set
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Web traffic of Pay with Ring
The website of Pay with Ring (paywithring.com) receives about 207.6K visits a month and ranks #137,029 among all websites worldwide, #8,557 in Finance.
- Monthly visits207.6K
▼ 26.6% vs previous month
- Unique visitors147.1K
per month
- Global rank#137,029
among all websites
- Category rank#8,557
Finance · Finance
- Bounce rate30%
- Pages per visit4.4
- Average visit5 min 12 sec
- DevicesDesktop 8% · Mobile 92%
Websites whose visitors overlap most with Pay with Ring. Affinity shows how closely the audiences match.
| Website | Domain | Audience affinity | Monthly visits | Global rank | Profile |
|---|---|---|---|---|---|
| kissht.com | 100% | 236.4K | #204,416 | View details | |
| loantap.in | 93% | 46K | #640,822 | View details | |
| lendbox.in | 92% | 81.8K | #382,961 | View details | |
| i2ifunding.com | 87% | 61.4K | #425,529 | View details | |
| ruloans.com | 87% | 94.5K | #278,853 | View details | |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
| •••••••••• | ••••••.com | ••% | •.•M | #••••• | – |
All 40 similar websites and full traffic analytics for Pay with Ring
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- 40 similar websites
- Audience overlap
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- Traffic by brand
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Top companies in Alternative Lending
3 companies that operate in the same segment as Pay with Ring (Alternative Lending) in India, ranked by their profile score on The Company Check.
| Company | Description | Founded | Location | Total funding | Revenue | Employees |
|---|---|---|---|---|---|---|
Payment acceptance and processing solutions provider for businesses | 2018 | Gurugram, Haryana, India | USD 589.25 M | USD 179.52 M | 3,670 | |
Technology platform for real estate transactions and mortgages is provided. | 2014 | Gurugram, Haryana, India | USD 97.98 M | USD 28.9 M | 9,619 | |
Financial services are provided, specializing in personal and business loans. | 2016 | Mumbai, Maharashtra, India | USD 320.39 M | USD 106.45 M | 2,161 |
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Related news about Pay With Ring
Complete news archive for Pay with Ring
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Frequently Asked Questions about Pay with Ring
Pay with Ring was founded in 2016 and raised its 1st funding round 6 years after it was founded.
Pay with Ring is headquartered in Mumbai, India. It is registered at Mumbai, Maharashtra, India.
Ranvir Singh is the CEO of Pay with Ring, as recorded in our data. They have also founded this company.
Pay with Ring has 306 employees.
The primary company behind Pay with Ring, Onemi Technology Solutions Limited, reported revenue of ₹2,209 Cr for FY 2026, up 63% year on year.
Personal and business loans are offered by Pay with Ring to meet diverse financial needs in India. Support is provided for personal milestones, business growth, and emergency funding through quick, paperless processes. Additionally, personal accident insurance is made available in partnership with Aditya Birla Health Insurance, covering accidental death and disabilities. The company operates in the fintech sector, focusing on seamless digital lending and insurance solutions for a wide customer base.
Pay with Ring's top competitors include InCred, FlexiLoans and Clix Capital.
Pay with Ring offers Personal Loans, Business Loans, and Personal Accident Insurance.
Yes, Pay with Ring is publicly traded on NSE under the ticker symbol KISSHT.
Pay with Ring has 1 investor. Key investors include Trifecta Capital.
Pay with Ring operates through Onemi Technology Solutions Limited.
The legal entities of Pay with Ring currently have 7 directors, including Alok Bansal, Krishnan Vishwanathan, Ranvir Singh and others.
