Ram Fincorp

Ram Fincorp – Personal Loan Platform for Salaried & Self-Employed.
Ram Fincorp is a Loan Service Provider (LSP) operated by KUNDANMAL TECHNOLOGY PRIVATE LIMITED.
We act only as a platform. All loans are sanctioned, underwritten, and disbursed by our RBI-registered NBFC partners. Ram Fincorp itself does not lend.


Loan Amount & Tenure
Loan amount: ₹5,000 to ₹2,00,000
Repayment tenure: 91 days to 365 days
APR (Annual Percentage Rate): 15% – 35% (inclusive of interest & fees)

Representative Example
For clarity, here is one sample loan calculation:
Loan Amount: ₹30,000
Tenure: 3 months (91 days)
Annual Interest Rate: 15% p.a. (reducing balance)
Processing Fee: ₹500
GST on Fee (18%): ₹90
Total Fees Deducted Upfront: ₹590
Amount Disbursed: ₹29,410
Monthly EMI: ₹10,272 × 3 months
Total Repayment: ₹30,816
Total Interest: ₹816
Total Cost of Loan (Interest + Fees): ₹1,406
Effective APR (including fees): ~28.8%

(Exact terms vary depending on borrower profile and lender policy.)


Eligibility
Age: 21 – 55 years
Residency: Indian citizen
Minimum monthly income: ₹15,000
Documents required: Aadhaar, PAN, 3 months salary slips, 3–6 months bank statements

How to Apply
Download & open the Ram Fincorp app
Fill in details & upload KYC documents
Select loan amount & repayment plan
Get matched with an RBI-registered NBFC lender
Loan is disbursed directly to your bank account by the NBFC


Why Choose Us
Multiple RBI-approved NBFC partners
100% digital & paperless process
Transparent pricing — no hidden charges
Flexible repayment options
Data privacy with bank-grade encryption

Our Lending Partner
Currently partnered with:
R K Bansal Finance Private Limited (RBI-registered NBFC)
(Additional NBFC partners will be added and disclosed as per RBI guidelines.)

Security & Privacy
Customer data is encrypted and transmitted via secure HTTPS.
We never share data without consent.
The app complies with RBI Digital Lending Guidelines (DLG), 2022.