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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

Ram Fincorp Personal Loan is a digital lending solution offered by Ram Fincorp that provides quick and hassle-free loans to individuals for personal needs such as medical emergencies, travel, education, or other expenses. It offers a simple online process with fast approval and flexible repayment options.

With fast processing, minimal documentation, and easy eligibility, it is a reliable option for entrepreneurs and individuals looking for quick financial assistance.

Eligibility Criteria

Applicant must be an Indian resident
Age: 21 to 60 years
Salaried or self-employed individual
Minimum monthly income: ₹10,000+
Stable income source
CIBIL score: 650+ preferred (750+ ideal)

Features & Benefits

Loan Amount: ₹10,000 to ₹5,00,000 (based on eligibility)
Quick approval & fast disbursal
100% digital & paperless process
No collateral required (unsecured loan)
Flexible repayment tenure up to 24–36 months
Minimal documentation required
Suitable for salaried & self-employed individuals
Multi-purpose usage (no restriction on end use)

Fees & Charges

Processing Fee: Upto 2% – 5% + GST
Interest Rates: ~18% – 36% p.a. (profile-based)
Processing Fee: Up to 2% – 5% (+GST)
Tenure: 3 to 36 months
Foreclosure Charges: As per company policy
Penal Charges: Applicable on overdue EMIs

Documents Required

Identity Proof (Aadhaar Card / PAN Card mandatory)
Address Proof
Income Proof (Salary Slip / ITR, if applicable)
Bank Statements (last 3–6 months)
Passport-size photographs

FAQs

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You can get up to ₹5 lakh depending on your eligibility.

Interest rates generally range from 18% to 36% per annum.

The tenure ranges from 3 months to 36 months.

No, it is an unsecured loan and does not require any security.

Both salaried and self-employed individuals with stable income can apply.

Terms & Conditions

Loan approval is subject to internal policies of Ram Fincorp
Interest rates and loan terms vary based on applicant profile
Processing fees are non-refundable
Late payments may attract penalties and impact credit score
Final approval is at the discretion of the lender

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Why Choose Ram Fincorp?
Trusted Brand With a strong legacy
Quick & Hassle-Free Instant verification
Flexible Loan Solutions For every need
Dedicated Support 24x7 Assistance