Updated as on 18 May 2024

Sr No. Name of the Vendors Details of the Service Provided
1 Digilocker DigiLocker allows access to digital versions of various documents including Aadhaar Card, Pan Card, Udyam Certificate etc.
2 HyperVerge Technologies Pvt Ltd E-KYC Verification (Video KYC, Face Match, Liveness Check, Document Digitisation etc)
3 Setu (BrokenTusk Technologies Private Limited)
  • Account Agregator and Bank Statement Analyzer
  • Reverse Penny Drop API for bank account verification
  • BBPS (Bharat Bill Payment System)
4 Protean Protean eGov Technologies Ltd (formerly NSDL e-Governance Infrastructure Ltd) PAN Verification Services
5 Perfios-Karza (Perfios Software Solutions Private Limited) AML Screening Service Provider
6 Trackwizz (TSS Consultancy Private Limited) CKYC Reporting Service Provider
7 Handy Online Solutions Private Limited (OnGrid) Customer background Verification
8 Sign3 Technologies Private Limited Customer Communication Verification TSP (Digital Footprint – Whatsapp )
9 Juspay Technologies Private Limited
  • Payment Gateway Aggregator
  • NPCI UPI TPAP (Third Party Application Provider) – Technolgy Service Provider
10 Razorpay Software Private Limited
  • Payment Gateway / Aggregator
  • Loan Disburesment and Payout Services
  • NACH Management Services
11 Pine Labs Private Limited
  • Payment Gateway / Aggregator
  • BBPS (Bharat Bill Payment System)
12 Cashfree Payments India Private Limited
  • Payment Gateway / Aggregator
  • Digital validation services e.g. PAN, Udyam Certificate etc.
13 LotusPay Solutions Private Limited NACH Management Services
14 ICICI Bank Limited Banking Partner
15 Yes Bank Limited Banking Partner
16 Ingenico (Worldline) ePayments India Private Limited Payment Gateway / Aggregator
17 Poshvine (Viverati Interactive Marketing Private Limited) Rewards Management Platform
18 Webengage (Webklipper Technologies Private Limited) Communication management
19 Saarthi.ai (Gamut Analytics Private Limited) Customer Communication SAAS Platform
20 Amazon Web Services Cloud Computing Platform
21 Snowflake Data Warehouse Services
22 TransUnion CIBIL Limited (TUCL) Credit Information Company (CIC) or Credit Bureau
23 Equifax Credit Information Services Private Limited Credit Information Company (CIC) or Credit Bureau
24 Experian Credit Information Company of India Private Limited Credit Information Company (CIC) or Credit Bureau
25 CRIF High Mark Credit Information Services Pvt Ltd. Credit Information Company (CIC) or Credit Bureau
26 CERSAI CKYC Central KYC Registry for centralized repository of KYC records
27 One97 Communication Limited (PayTm) Payment Gateway / Aggregator
28 Easebuzz Private Limited Payment Gateway / Aggregator
29 Pine Labs Private Limited (Plural) Payment Gateway / Aggregator
30 Phonepe Private Limited (Phonepe) Payment Gateway / Aggregator
31 Gpay Payment Gateway / Aggregator
32 Zigram Data Technologies Private Limited AML Screening Service Provider
33 Axis Bank Limited Banking Partner
34 IDFC Bank Limited Banking Partner
35 Kotak Bank Limited Banking Partner
36 Teal India Legal vendor
37 Dev & Co Legal vendor
37 YV Law Associates Legal vendor
38 Bhabal & Thakur Associates Legal vendor
38 M/S Aarati Shinde & Co. Legal vendor
39 Sarfaraz Chhipa Associates Legal vendor
39 Adv Nitin Khaire Legal vendor
40 Adv Vivek Srivastva Legal vendor
40 Adv Shubham Mishra Legal vendor
41 Adv Senthil Legal vendor
41 Patwardhan Consultants Valuation vendor
42 Adroit Valuations Valuation vendor
42 Straight Line Engineers Valuation vendor
43 USP valuations Valuation vendor
43 Global Construction & Properties Valuation vendor
44 Cube Engineers Valuation vendor
44 Evaluation Expertz Consultancy Services Valuation vendor

At Si Creva, 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 care@kissht.com / care@paywithring.com OR call our customer care number on 02241434302 / 02068135496.

3. Share with us a screenshot or recording of the message or call.

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