Meet Rinncrest, the company behind Rinn
Rinncrest Financial Technologies Private Limited is a Lending Service Provider (LSP) headquartered in Kolkata. We build and run Rinn, the personal loan app, and the technology and operations that help RBI-regulated lenders serve borrowers well — from the first application to the final EMI.
Our ambition is to become India's most trusted credit stack company.
- 30+ yearsof combined experience
- India-wideoperations
Who we are
India doesn't lack capital, and it doesn't lack people who need credit. What it lacks is the infrastructure that connects the two responsibly, at scale.
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Rinn
The personal loan app from Rinncrest. Android now, coming soon on iOS.
Where borrowers apply, see their Key Fact Statement, sign, track and repay their loan.
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Rinncrest
The company: a Lending Service Provider.
Builds and operates Rinn and the infrastructure behind it. Does not lend.
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Our lending partners
RBI-regulated NBFCs and banks.
Lend the money. They decide approval, amount, interest rate and terms, and receive every repayment.
See our lending partners
Three layers, one platform
The Rinncrest model: three connected layers that cover the whole life of a loan.
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Distribution
Rinn, the app where borrowers apply for credit from a regulated lender.
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Infrastructure
Technology lenders plug into, from onboarding and KYC to servicing and reporting.
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Credit lifecycle execution
Our own teams running servicing, collections and recovery across India.
Most lending companies own one or two of these layers. We run all three as one loop.
What makes Rinncrest different
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The whole lifecycle, not one slice.
Acquisition, onboarding, servicing, portfolio management and collections work as one system, so a lender has one accountable partner instead of a chain of hand-offs.
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Compliance designed in, not bolted on.
Recorded consent for each purpose, Key Fact Statement delivery logs and audit trails on every state change make a lender's own oversight easier.
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We know the hardest part of lending.
The team behind Rinncrest comes from what happens after approval: servicing, collections and recovery, where process discipline and borrower dignity are tested hardest.
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Lenders keep control.
The credit decision, pricing and loan contract always stay with the regulated lender. We support their obligations; we never take them over.
To build the credit infrastructure that makes responsible lending scalable — for every lending partner, and every borrower they serve.
Leadership
A credit business is only as trustworthy as the people answerable for it.
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Rohit Gupta
Director
Rohit leads Rinncrest's strategy, lender partnerships and the build of its platform. In India, he has held senior strategy and growth leadership roles in credit operations and collections at scale. In Australia, he founded and ran a consumer-entertainment business as Managing Director from 2021 to 2025, and he is the founder of Ocean Evoke, an ocean-focused social enterprise. He holds a B.Com (Hons) from St. Xavier's College, Kolkata, and a Master of International Business from Melbourne Business School.
Pending confirmation: biography details.
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Smriti Gupta
Director and Data Protection Officer
- Legal name
- Rinncrest Financial Technologies Private Limited
- CIN
- U62099WB2026PTC287520
- Headquarters and registered office
- 2nd Floor, Flat-2, Shivalik, 42, Prince Anwar Shah Road, Tollygunge, Kolkata 700033, West Bengal
- Regulatory role
- Lending Service Provider under the RBI (Digital Lending) Directions, 2025. Not a lender, NBFC or bank
- App
- Rinn on Google Play. Android now, coming soon on iOS
- Product
- Personal loans of ₹10,000 to ₹2,00,000, 3 to 24 months, interest from 16% p.a.
- Lending partners
- RBI-regulated NBFCs and banks. See our lending partners
- Certifications
- ISO 9001:2015, Cert. No. IN/84728131/5962 · ISO/IEC 27001:2022, Cert. No. IN/96828132/6481. Issued by ICV Assessments
- Directors
- Rohit Gupta (Director) · Smriti Gupta (Director and Data Protection Officer)
- Grievance Redressal Officer
- Bipasa Adhikary · grievance@rinncrest.in · +91 82309 07903
- General enquiries
- contact@rinncrest.in
- Press and media
- contact@rinncrest.in
- Careers
- Write to contact@rinncrest.in
Two ways in.
Borrowers
Rinn is our personal loan app: ₹10,000 to ₹2,00,000, interest from 16% p.a., and every cost in your Key Fact Statement before you say yes. No upfront fee, ever.
Lenders
We build the technology and operating infrastructure that helps regulated lenders reach the right borrowers, run every loan well and support people through the full life of their credit.
Frequently asked questions
Is Rinncrest a lender?
No. Rinncrest is a Lending Service Provider. We operate the Rinn app and provide technology and operating services to lenders, but we don't lend money, make credit decisions or hold borrower funds. Loans offered through Rinn are provided by RBI-regulated lending partners (NBFCs and banks).
Is Rinncrest the same as Rinn?
No. Rinn is the personal loan app; Rinncrest is the company that builds and operates it. There is no app called "the Rinncrest app". On Google Play, look for Rinn, with the developer shown as Rinncrest Financial Technologies Private Limited. How to check it's really us.
Is Rinn approved by RBI?
No app is approved by RBI. RBI registers and regulates lenders. Rinn appears in RBI's public directory of Digital Lending Apps, as reported by the lender that lends through it. Appearing in the directory is not an approval or endorsement by RBI. How to check any loan app.
Where is Rinncrest based, and is it a registered company?
Yes. Rinncrest Financial Technologies Private Limited is a registered company headquartered in Kolkata, with CIN U62099WB2026PTC287520. Our quality and information security systems are certified to ISO 9001:2015 and ISO/IEC 27001:2022, and app data is stored in India.
Who do I contact with a complaint about Rinn?
Write to our Grievance Officer, Bipasa Adhikary, at grievance@rinncrest.in or call +91 82309 07903. If your complaint is not resolved within 30 days of the lender receiving it, or you're unhappy with the reply, you can complain to the RBI Integrated Ombudsman at cms.rbi.org.in or call 14448. Our full process is on the grievance redressal page.