Ram Fincorp is a premier digital lending brand of Kundanmal Technology Private Limited, operating as a dedicated Lending Service Provider (LSP). By partnering with R.K. Bansal Finance Pvt. Ltd., an RBI-registered NBFC, it offers secure and rapid financial solutions tailored for modern needs. The platform specializes in providing instant personal loans up to ₹2 lakhs with a 100% digital, paperless process. Designed for speed, Ram Fincorp ensures funds reach your bank account in as little as 30 minutes, making it a reliable partner for emergencies or personal goals.
Overview of Ram Fincorp Personal Loan
The following table provides a quick look at the core aspects of the Ram Fincorp personal loan offering.
| Feature | Details |
| Brand Name | Ram Fincorp (Kundanmal Technology Pvt. Ltd.) |
| NBFC Partner | R.K. Bansal Finance Pvt. Ltd. |
| Maximum Loan Amount | Up to ₹2 Lakhs |
| Approval Time | Instant (within 1 minute) |
| Disbursal Time | Within 30 minutes (often as quick as 2 minutes) |
| Application Mode | 100% Online / Paperless |
Key Features of Ram Fincorp Personal Loan
Ram Fincorp stands out in the digital lending space with several borrower-centric features designed for convenience.
- Rapid Disbursal: Funds are transferred directly to your bank account within minutes of application completion.
- No Collateral Required: These are unsecured loans that do not require any security or guarantee.
- 24/7 Accessibility: You can apply for a loan anytime and anywhere using the mobile app.
- Minimal Documentation: The process requires only essential digital proofs like PAN and Aadhaar.
- No Early Foreclosure Penalty: Borrowers can pay off their loans early at any time without facing penalties on many products.
Get Personal Loan Online Up to ₹15 Lakhs
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Types of Ram Fincorp Personal Loans
Ram Fincorp offers a variety of digital loan products through its mobile application, designed to meet the diverse financial needs of modern borrowers, ranging from urgent emergencies to professional salary-based requirements.
The following table provides a summary of the primary loan categories available through the platform.
| Loan Type | Primary Focus |
| Instant Personal Loans | Rapid access to funds for urgent financial needs or emergencies. |
| Salaried Personal Loans | Tailored credit solutions based on fixed monthly salary levels. |
| Loan On Aadhaar Card | A simplified application process utilizing minimal digital documentation. |
| Credit Score Personal Loans | Financial assistance designed for individuals across various credit profiles. |
| Small / Pay Day Loans | Short-term, small-sum cash for minor expenses or bills. |
Instant Personal Loans
- Rapid Disbursal: These loans are designed to provide funds directly to your bank account within 30 minutes of application completion.
- Emergency Focus: They are specifically geared toward handling unexpected events such as medical emergencies or unforeseen repairs.
- Instant Approval: Utilizing cutting-edge technology, approval for these loans can often be obtained within one minute.
Personal Loan for Salaried
- Salary-Based Tiers: Loan offers are customized based on the borrower’s specific monthly income, with categories starting from ₹25,000 up to ₹1,00,000+.
- Structured Repayment: These loans often come with customized EMI-based plans to suit the cash flow of a salaried professional.
- Metropolitan & Non-Metro Criteria: Eligibility is determined by a minimum in-hand salary of ₹18,000 in metros and ₹15,000 in non-metros.
Loan On Aadhaar Card
- Minimal Paperwork: This loan type features a 100% paperless process requiring only your PAN and Aadhaar card for verification.
- Digital KYC: It leverages secure digital verification methods to eliminate the need for physical branch visits or long queues.
- Convenience: Borrowers can apply 24/7 from any location using their smartphones.
Credit Score Personal Loans
- Broad Inclusivity: These products are designed to empower individuals with diverse credit backgrounds, including those who may have a bad credit score but show a strong intention to repay.
- Problem Resolution: They serve as a financial lifeline for users looking to resolve a financial crisis while managing their credit profile.
- Transparent Risk Gradation: Interest rates for these loans may be higher to reflect the risk premium associated with varying credit histories.
Small / Short-Term Payday Loans
- Minor Expenses: Ideal for small financial needs like paying utility bills, purchasing a gadget, or covering a sudden cash gap.
- Flexible Tenure: Repayment periods can be as short as 5 days and up to 12 months for unsecured consumer loans.
- Daily Interest Rates: These loans typically feature a daily interest rate ranging from 0.10% to 1.00%.
Ram Fincorp Personal Loan Interest Rate, Fees & Charges
Borrowers are provided with full transparency regarding the costs associated with their loans through digital agreements.
| Charge Type | Details |
| Interest Rate | Starting from 18% p.a. (varies by product and risk) |
| Processing Fees | 2% to 10% of the loan amount |
| Late Payment/Penal Charges | 0.1% per day on the overdue principal amount |
| EMI Bounce Charges | Up to ₹590 per bounce |
| Foreclosure Charges | Nil (on specific products) or 3% of outstanding principal |
Ram Fincorp Personal Loan EMI Calculator
Planning your monthly budget is simplified using the dedicated RamFincorp calculation tools.
- Download the RamFincorp EMI Calculator app from the Google Play Store.
- Open the application and select the Personal Loan EMI Calculator option.
- Enter the Principal Amount you intend to borrow.
- Input the Interest Rate applicable to your loan profile.
- Select the preferred Tenure in months or years.
- Review the instant result showing your monthly EMI and total payable interest.
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Ram Fincorp Personal Loan Eligibility Criteria
To qualify for a personal loan through this platform, applicants must satisfy certain basic conditions.
- Citizenship: The applicant must be a resident of India.
- Age Limit: Applicants should be between 21 and 55 years of age.
- Monthly Income: A minimum in-hand salary of ₹18,000 for metros and ₹15,000 for non-metros is required.
- Employment Type: The service is primarily designed for salaried individuals.
Documents Required for Ram Fincorp Personal Loan
Ram Fincorp minimizes the hassle by requiring only essential digital documents for the application.
- PAN Card: Mandatory for identity and financial verification.
- Aadhaar Card: Used for address proof and completing digital KYC.
- Mobile Number: Must be linked for OTP-based verification and digital signing.
- Bank Details: Required for the direct disbursal of the loan amount.
Application Process for Ram Fincorp Personal Loan
Follow these simple steps to complete your 100% digital loan application.
- Install the App: Download the Ram Fincorp app from the official Google Play Store.
- Register & Verify: Enter your mobile number and verify it using the One-Time Password (OTP).
- Check Eligibility: Fill in your basic details and income information to view your loan offer.
- Select Loan Terms: Choose your desired loan amount and the preferred repayment tenure.
- Digital KYC: Upload your PAN and Aadhaar details for instant verification.
- Instant Disbursal: Upon approval, the money is transferred directly to your bank account within minutes.
Apply for a Ram Fincorp Personal Loan with Buddy Loan
You can now apply for a Ram Fincorp Personal Loan through Buddy Loan, India’s trusted loan aggregator platform that connects you with verified RBI-registered lenders. The process is 100% online, quick, and secure, allowing you to check eligibility, complete KYC, and get instant approval for loans up to ₹2,00,000, all from the comfort of your phone. Experience Ram Fincorp’s flexible repayment options and Buddy Loan’s easy comparison system for a smoother borrowing journey. Apply for a Ram Fincorp Personal Loan with Buddy Loan and get instant approval with complete transparency and no hidden charges.
Get Personal Loan Online Up to ₹15 Lakhs
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Ram Fincorp Personal Loan Repayment
Repaying your loan is designed to be as simple as the application process itself.
- Multiple Payment Options: Make repayments via online transfers, debit cards, or Electronic Fund Transfers (EFTs).
- Real-Time Tracking: Use the “Repayment” section of the app to view your outstanding balance and history.
- Flexible Terms: Repay on your own terms as per the agreement signed during the application.
- No Grace Period: Interest is payable immediately on the communicated due date.
Ram Fincorp Personal Loan Customer Care
Reach out to the dedicated support team for any assistance or grievance redressal.
| Contact Method | Details |
| Phone Support | +91 8796924488 / +91 9910193884 / +91 9599196212 |
| Email Support | info@ramfincorp.com / ramfinemi@gmail.com |
| Grievance Officer | Samir Sethi (+91-9599238889 / 9599196212) |
| Registered Address | 8/9, WEA, Karol Bagh, Central Delhi, New Delhi – 110005 |
Summary and Key Insights
Ram Fincorp Personal Loan is a digital borrowing option for short-term and urgent credit needs.
- Ram Fincorp acts as an LSP, while loans are funded by R.K. Bansal Finance Pvt. Ltd.
- Loan amounts range from ₹500 to ₹2,00,000.
- Tenure starts from 5 days and can go up to 12 months.
- The process is online, paperless, and designed for fast approval.
- Interest rates vary by product, risk profile, and tenure.
- Borrowers should carefully check the Key Fact Statement, APR, processing fees, penal charges, and repayment schedule before accepting the loan.
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