Ritu Pandey was born in Varanasi, Uttar Pradesh, India, and she holds Indian nationality. She comes from a North Indian cultural background and grew up in an environment rooted in tradition and education. She completed her high school education at Maharaja Agrasen Girls Inter College and later pursued higher studies at Kanpur University. Ritu primarily speaks Hindi and English, which aligns with her academic background and professional work. She later moved to Mumbai, Maharashtra, where she currently lives and works to actively pursue her acting career. Her early inclination toward performance and storytelling gradually shaped her path into acting, and she has remained dedicated to building her craft over the years. Ritu is active on Instagram under the handle @realrituppandey, where she has built a following of over 85K+ followers, sharing professional updates, behind-the-scenes moments, and glimpses of her acting journey.

Professionally, Ritu Pandey has built a long and diverse acting portfolio spanning television, web series, and regional cinema. She began appearing in screen projects as early as 2007 and gradually expanded her presence across Hindi and Bhojpuri entertainment. Over the years, she has appeared in a wide range of OTT titles, gaining strong recognition through digital platforms. Her recent work includes prominent roles in Haveli Ki Dulhan as Sumitra, Rivaaz, Gharwali Baharwali, and Rangeen Kahaniyan, where she portrayed Malathakurain. She has also featured in Utha Patak, Jamuniya, Andha Sasur, Serial Killer, Antique, Napunsak, Malik, and Chull, among many others. Earlier in her career, she appeared in projects such as Palang Tod, Pyar Ki Tadap, Khat Kabbadi, Pinky Darling, Bhabhi 123, and Savdhaan–Ek Adbhut Kahani. Her film credits include roles in Bhojpuri films like Naagdev, Nirahua Hindustani 2, and Kasam Dharti Maiya Ki. Known for her ability to portray emotionally layered and authoritative characters, Ritu has maintained steady relevance through consistent performances across genres and formats.

In her personal life, Ritu Pandey maintains a private and disciplined lifestyle while focusing strongly on her acting career. She is publicly known to be single and prefers to keep her personal relationships away from media attention. Ritu values self-growth, professional consistency, and creative discipline, qualities that are reflected in her long-standing career. Despite her extensive body of work, she remains grounded and focused on evolving as a performer. Her journey reflects perseverance and adaptability, shaped by years of experience across television, OTT platforms, and regional cinema.