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.
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.
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.
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.
Download the Buddy Loan App Now!
One solution to each of your financial needs at your fingertip.
Scan to download now
