The Ring Kisst app is a fraud.

The ring app shows a fake high interest rate but charges more than that. If you can't pay, they harass you. Please do not take a loan from them. They also send fake summons and do not offer settlements. Don't fall into their trap. For those who take loans, their opponents don't know which company sends fake summons. I swear, this is their company. Stay away from them. RBI should remove them. They provide loans without any investigation, which does not follow RBI rules.