Pay with Ring

Mumbai, India Founded: 2016 • Age: 10 yrs Listed
Instant personal loans are offered via an online paperless platform.

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
  • Sectors
    Financial 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
Key Metrics
  • 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

  • ROE
    24.0%

    ROCE 22.6%

  • Debt / Equity
    1.70

    Interest cover 47.5x

  • Latest Funding Round
    $11.96M (USD), Debt – Venture

    Apr 2024

  • Investors
  • Employee Count
    306

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
Financial Services

Personal loans are provided for various financial needs.

Business Loans
Financial Services

Business loans are offered to support business growth.

Personal Accident Insurance
Insurance

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.

RING (by Kissht): Quick Loans
Google Play Finance Everyone Free 10M+ downloads
Developer: Onemi Technology Solutions Pvt. Ltd.
View on Google Play
Kissht
YouTube 13.6K subscribers 30 videos Science & Technology
Open channel

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.

Kissht | App Explainer | Get Instant Personal Loans in 5 mins!
14.1M views
Get personal loan upto 5 lakh, Instant Approval | No Paperwork
11.6M views
Apni Dream Car Ka Sapna Poora Karein | KISSHT Hai Na | Kissht Instant Personal Loans
10.1M views
Kissht se shandaar Shaadi Ke Sapne Ab honge Poore | Kissht Instant Personal Loans
4.6M views

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.

DateAmountTransaction NameValuationLead InvestorsInvestors
Apr 2024$11.96MDebt – Venture––
Jun 2022Debt – Venture––
Valuation history

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.

All
Venture Fund
InvestorDescriptionFounded YearDomainLocation
Private debt and equity funds are managed for technology sectors.
trifectacapital.inGurugram, India
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Investor details for Pay with Ring

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  • 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.

DirectorDesignationAppointedTenureEntity
Krishnan Vishwanathan
DIN 07191366
Director18 Jun 201610 yrs 4 moOnemi Technology Solutions Limited
Piyush Kharbanda
DIN 08126225
Nominee Director26 Dec 20187 yrs 10 moOnemi Technology Solutions Limited
Ranvir Singh
DIN 06673951
CEO12 Apr 20224 yrs 6 moOnemi Technology Solutions Limited
Alok Bansal
DIN 01653526
Director16 Jun 20251 yr 4 moOnemi Technology Solutions Limited
Sangeeta Pendurkar
DIN 03321646
Director16 Jun 20251 yr 4 moOnemi Technology Solutions Limited
Yogesh Yashpaul Chadha
DIN 01681680
Director02 Dec 202510 moOnemi 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.

NameRoleGroup
Co-FounderLeadership
Co-Founder & CEOLeadership
Anand Venkatachalam
Vice President & Head - Administation & InfrastructureLeadership
Vivek Katyayan
Chief Operating OfficerLeadership
Ronald D'Souza
Head Of Business OperationsLeadership
Nilay Shah
Engineering ManagerTeam
Abhilash Akula
Senior Software Test EngineerTeam
Deepika Bodke
Senior Software Development Engineer Test 3Team
Rohan Khanolkar
Devops ManagerTeam
Nikunj Dhimar
Senior Software EngineerTeam
Surya Pramanik
City ManagerTeam
Jinang Vora
Manager Business Operations & AlliancesTeam
Govind Verma
City ManagerTeam
Pritam G Badwar
Business Intelligence Team LeadTeam
Sujit Poojari
Engineering ManagerTeam
Javed Hasan
Engineering ManagerTeam
Mukesh Bhargav
Senior Software EngineerTeam
Pooja Sankhe
Senior Software Test EngineerTeam
Rahul Pandekar
Software Engineering ManagerTeam
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Complete people profiles for Pay with Ring

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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 · Consolidated
Revenue
₹2,209 Cr
+63.3% YoY
EBITDA
₹739 Cr
+68.6% YoY
Profit After Tax
₹281 Cr
+75.4% YoY
Net Worth
₹1,343 Cr
+33.5% YoY
Total Assets
₹3,783 Cr
+47.2% YoY
Total Debt
₹2,429 Cr
+56.1% YoY

Revenue vs Net Profit ₹ Cr

Margin trends

Financial summary ₹ Cr

MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Income statement
Revenue2,2091,3521,7001,000517175
Revenue growth+63.3%-20.4%+70.0%+93.5%+195.3%-
EBITDA73943839312486.34(23.45)
EBITDA margin+33.5%+32.4%+23.1%+12.4%+16.7%-13.4%
Profit before tax37721626723.9653.85(55.24)
Net profit28116019727.7262.62(58.45)
Net profit margin+12.7%+11.9%+11.6%+2.8%+12.1%-33.4%
EPS (₹)23.70299.50412.7457.88268.53(250.65)
Balance sheet
Total assets3,7832,5701,6461,012381296
Net worth1,3431,006805566240166
Total debt2,4291,556836444139119
Cash & bank241144318661125107
Net working capital2,9122,0301,300810316256
Cash flow
Cash from operations(461)(661)(637)48.36(15.63)78.95
Cash from investing(70.40)(33.23)40.4224.3732.8799.87
Cash from financing60854231250719.45(202)
ParticularsJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025
Revenue670619591515463369
Revenue growth (YoY)+44.6%+67.8%----
Other income7.065.869.642.812.614.05
EBITDA207186175157142123
EBITDA margin+31.0%+30.1%+29.5%+30.5%+30.6%+33.3%
Depreciation4.825.355.485.485.304.65
Interest81.8876.5175.0171.5159.2352.27
Profit before tax12811010483.0079.7470.12
Tax32.6328.0626.6020.5520.0115.97
Net profit95.0782.1977.1062.4559.7354.15
EPS (₹)5.886.225.840.004.544.17
MetricsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Income statement
Revenue73432142926415631.85
Revenue growth+128.6%-25.1%+62.3%+69.6%+389.0%-
EBITDA20984.2112937.3647.68(52.00)
EBITDA margin+28.4%+26.2%+30.1%+14.2%+30.6%-163.3%
Profit before tax19266.8311126.4441.18(57.88)
Net profit14450.7082.4624.6552.81(57.88)
Net profit margin+19.6%+15.8%+19.2%+9.3%+33.9%-181.7%
EPS (₹)12.1394.91172.5351.63217.19(237.94)
Balance sheet
Total assets994795708587224160
Net worth964764672554223159
Total debt17.5826.6033.150.000.000.00
Cash & bank44.8310.8212123239.540.49
Net working capital58.3114022722229.45(22.10)
Cash flow
Cash from operations17668.2152.8275.6539.29(35.55)
Cash from investing(300)(181)(145)(179)(0.25)13.91
Cash from financing1373.21(18.22)2950.000.00
ParticularsJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025
Revenue21620422113414099.97
Revenue growth (YoY)+54.6%+103.7%----
Other income11.5710.907.5410.027.674.35
Total expenses15514715212110666.38
EBITDA61.0356.7669.1612.7433.6433.59
EBITDA margin+28.3%+27.9%+31.3%+9.5%+24.1%+33.6%
Depreciation2.643.283.383.313.202.52
Interest0.510.810.860.800.720.94
Profit before tax69.4563.5772.4618.6537.3934.48
Tax17.5116.2718.453.719.547.40

Financial Statements

Figures in ₹ Cr; negatives in brackets. Updated 26 Oct 2026
ParticularsJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025
Revenue670619591515463369
Revenue growth (YoY)+44.6%+67.8%----
Other income7.065.869.642.812.614.05
EBITDA207186175157142123
EBITDA margin+31.0%+30.1%+29.5%+30.5%+30.6%+33.3%
Depreciation4.825.355.485.485.304.65
Interest81.8876.5175.0171.5159.2352.27
Profit before tax12811010483.0079.7470.12
Tax32.6328.0626.6020.5520.0115.97
Net profit95.0782.1977.1062.4559.7354.15
EPS (₹)5.886.225.840.004.544.17
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Revenue2,2091,3521,7001,000517175
Revenue growth+63.3%-20.4%+70.0%+93.5%+195.3%-
Other income0.320.200.301.470.370.89
Total expenses1,4709141,307876430198
Employee cost25219318111657.0728.28
EBITDA73943839312486.34(23.45)
EBITDA margin+33.5%+32.4%+23.1%+12.4%+16.7%-13.4%
Depreciation21.6222.7022.8817.867.186.43
Interest34119910383.4425.6826.25
Profit before tax37721626723.9653.85(55.24)
Tax95.2355.6470.15(3.71)(8.77)3.21
Net profit28116019727.7262.62(58.45)
Net profit margin+12.7%+11.9%+11.6%+2.8%+12.1%-33.4%
EPS (₹)23.70299.50412.7457.88268.53(250.65)
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Equity & liabilities
Share capital11.8810.6810.0710.067.777.77
Reserves & surplus1,331995794556233158
Shareholders' funds (net worth)1,3431,006805566240166
Minority interest0.000.000.000.000.000.00
Secured loans2,3821,508784388139119
Unsecured loans47.5348.7751.7655.620.000.00
Total debt2,4291,556836444139119
Total liabilities3,7832,5701,6461,012381296
Assets
Gross block13112611610232.3631.26
Net block43.0152.9957.2466.2711.7717.85
Capital work in progress6.304.780.150.000.000.00
Investments8.050.000.000.000.101.10
Inventories0.000.000.000.000.000.00
Sundry debtors10470.0816265.786.070.82
Cash & bank balances241144318661125107
Loans & advances2,7721,947970346346197
Total current assets3,1172,1611,4511,074476305
Total current liabilities20513115126416048.88
Net working capital2,9122,0301,300810316256
Total assets3,7832,5701,6461,012381296
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Opening cash13328557010687.96113
Net cash from operating activities(461)(661)(637)48.36(15.63)78.95
Net cash from investing activities(70.40)(33.23)40.4224.3732.8799.87
Net cash from financing activities60854231250719.45(202)
Net change in cash76.73(152)(285)57936.69(22.73)
Closing cash241144318661125107
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 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 / equity1.701.320.930.720.631.13
Long-term debt / equity0.400.280.210.130.070.13
Interest cover47.5247.9927.7878.7732.44-87.85
Efficiency & per share
Fixed asset turnover17.1811.1515.5514.8616.266.05
Inventory turnover0.000.000.000.000.000.00
Debtors turnover25.3411.6414.9027.88150.13112.40
EPS (₹)23.70299.50412.7457.88268.53(250.65)
Dividend per share (₹)0.000.000.000.000.000.00
Book value per share (₹)113.051,865.891,672.131,173.541,007.39688.86
ParticularsJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025
Revenue21620422113414099.97
Revenue growth (YoY)+54.6%+103.7%----
Other income11.5710.907.5410.027.674.35
Total expenses15514715212110666.38
EBITDA61.0356.7669.1612.7433.6433.59
EBITDA margin+28.3%+27.9%+31.3%+9.5%+24.1%+33.6%
Depreciation2.643.283.383.313.202.52
Interest0.510.810.860.800.720.94
Profit before tax69.4563.5772.4618.6537.3934.48
Tax17.5116.2718.453.719.547.40
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Revenue73432142926415631.85
Revenue growth+128.6%-25.1%+62.3%+69.6%+389.0%-
Other income0.120.380.257.380.050.02
Total expenses52623730022710883.85
Employee cost66.9297.8111787.7939.6117.19
EBITDA20984.2112937.3647.68(52.00)
EBITDA margin+28.4%+26.2%+30.1%+14.2%+30.6%-163.3%
Depreciation13.1713.9614.5114.756.485.85
Interest3.523.803.513.550.070.05
Profit before tax19266.8311126.4441.18(57.88)
Tax47.9615.9528.721.76(11.63)0.00
Net profit14450.7082.4624.6552.81(57.88)
Net profit margin+19.6%+15.8%+19.2%+9.3%+33.9%-181.7%
EPS (₹)12.1394.91172.5351.63217.19(237.94)
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Equity & liabilities
Share capital11.8810.6810.0710.167.877.87
Reserves & surplus952754662544215151
Shareholders' funds (net worth)964764672554223159
Secured loans0.000.000.000.000.000.00
Unsecured loans17.5826.6033.150.000.000.00
Total debt17.5826.6033.150.000.000.00
Total liabilities994795708587224160
Assets
Gross block88.7387.0886.5385.3629.6528.74
Net block24.1128.7639.5152.8511.0716.64
Capital work in progress6.304.780.000.000.000.00
Investments806581431296161161
Inventories0.000.000.000.000.000.00
Sundry debtors98.3881.7913423.025.060.22
Cash & bank balances44.8310.8212123239.540.49
Loans & advances51.3411110.738.871.1412.00
Total current assets19520426626445.7412.71
Total current liabilities13663.9838.4341.5616.2934.81
Net working capital58.3114022722229.45(22.10)
Total assets994795708587224160
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 2020-21
Opening cash10.8212023139.010.4922.13
Net cash from operating activities17668.2152.8275.6539.29(35.55)
Net cash from investing activities(300)(181)(145)(179)(0.25)13.91
Net cash from financing activities1373.21(18.22)2950.000.00
Net change in cash12.76(110)(110)19239.04(21.64)
Closing cash44.8310.8212123239.540.49
ParticularsFY 2025-26FY 2024-25FY 2023-24FY 2022-23FY 2021-22FY 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 / equity0.030.040.030.000.000.00
Long-term debt / equity0.010.030.020.000.000.00
Interest cover1.805.413.0715.700.17-0.09
Efficiency & per share
Fixed asset turnover8.353.704.994.725.341.18
Inventory turnover0.000.000.000.000.000.00
Debtors turnover8.152.985.4519.3459.0234.27
EPS (₹)12.1394.91172.5351.63217.19(237.94)
Dividend per share (₹)0.000.000.000.000.000.00
Book value per share (₹)81.161,415.331,394.411,147.92895.18630.05

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.

  1. Founded Pay with Ring is founded.
  2. Funding First funding round.
  3. 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 NameDomainFoundedHQ LocationTotal fundingEmployeesDescription
flexiloans.com2016Mumbai, India$96.88M624
Business loans and financial products for MSMEs are provided.
clix.capital2016Gurugram, India$69.52M1,742
Lending platform for consumers and businesses is provided.
incred.com2016Mumbai, India$320.39M2,161
Financial services are provided, specializing in personal and business loans.
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Detailed competitors of Pay with Ring

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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 visits
    207.6K

    ▼ 26.6% vs previous month

  • Unique visitors
    147.1K

    per month

  • Global rank
    #137,029

    among all websites

  • Category rank
    #8,557

    Finance · Finance

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••••••••••••••••.com••%•.•M#•••••–
••••••••••••••••.com••%•.•M#•••••–
••••••••••••••••.com••%•.•M#•••••–
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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.

CompanyDescriptionFoundedLocationTotal fundingRevenueEmployees
Payment acceptance and processing solutions provider for businesses
2018Gurugram, Haryana, IndiaUSD 589.25 MUSD 179.52 M3,670
Technology platform for real estate transactions and mortgages is provided.
2014Gurugram, Haryana, IndiaUSD 97.98 MUSD 28.9 M9,619
Financial services are provided, specializing in personal and business loans.
2016Mumbai, Maharashtra, IndiaUSD 320.39 MUSD 106.45 M2,161
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Related news about 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.

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