Ram Fincorp Personal Loan Review 2025: Get ₹5,000 to ₹2,00,000 Personal Loan : Comprehensive Guide
Ram Fincorp Personal Loan: If you are looking for a quick, reliable, and fully digital solution to meet your financial needs, Ram Fincorp Personal Loan might just be the ideal option for you. In an era where speed, transparency, and convenience matter most, Ram Fincorp, an RBI-registered NBFC (Non-Banking Financial Company), offers instant personal loans tailored to the needs of salaried professionals across India. With an effortless digital application process and disbursal within 30 minutes, it is designed to serve urgent personal and professional financial requirements efficiently.
Table of Contents
What is Ram Fincorp Personal Loan?
Ram Fincorp Personal Loan is a fintech-powered loan solution designed to bring financial assistance to the fingertips of Indian borrowers. Whether you’re dealing with a medical emergency, a last-minute travel plan, or simply looking for short-term financial help, this platform makes borrowing seamless and fully online. Unlike traditional lending institutions that require physical visits and long approval periods, Ram Fincorp uses technology to provide hassle-free access to personal credit in real time.
The platform caters primarily to salaried individuals and offers loans ranging from ₹5,000 to ₹2,00,000 with interest rates of up to 35% APR, all based on your risk profile and eligibility.
Key Features of Ram Fincorp Personal Loan
- Loan Amount: ₹5,000 to ₹2,00,000
- Annual Interest Rate (APR): Up to 35%
- Tenure: 90 days to 365 days
- Instant Disbursal: Within 30 minutes post-approval
- Processing Fee: Up to 5% (plus GST)
- Minimum Age: 21 years
- Maximum Age: 55 years
- Late Payment Charges: As applicable (only if repayment is delayed)
- Pre-closure Charges: As applicable
Read more: Kreditzy Personal Loan: Get ₹1,000 To ₹1,00,000 Personal Loan : Comprehensive Guide
Sample Loan Illustration
Let’s take a real-world example to better understand how the Ram Fincorp loan works:
- Loan Amount: ₹30,000
- Interest Rate: 30% per annum
- Loan Duration: 3 Months
- Total Interest: ₹2,250
- Processing Fee: ₹500
- GST on PF: ₹90
- Total Deductions: ₹590
- Amount Credited to Bank Account: ₹29,410
- Total Repayable Amount: ₹32,250
- Monthly EMI: ₹10,750
All deductions like the processing fee and GST are applied upfront, ensuring you know exactly what you’ll receive and what you’ll repay—making the loan process fully transparent.
Why Choose Ram Fincorp for a Personal Loan?
1. Fully Digital and Paperless Process
Say goodbye to standing in queues and dealing with physical paperwork. With Ram Fincorp, everything from application to disbursal is digitized. You can apply anytime, anywhere, using just your mobile device.
2. Instant Approval and Fast Disbursal
Once your documents are verified, loans are typically credited to your bank account within 30 minutes, making it one of the fastest loan options for salaried professionals.
3. Low Interest and Transparent Pricing
Ram Fincorp boasts a fair interest rate policy. Based on your profile, you can avail of personal loans at lower rates without worrying about hidden charges or surprise fees.
4. Customized Loan Amounts
Borrowers can choose loan amounts that exactly meet their needs, from as low as ₹5,000 to as high as ₹2,00,000, giving flexibility and control.
5. Minimal Documentation and User-Friendly Interface
Only basic documents like PAN, Aadhaar, salary slips, and bank statements are required. The platform interface is intuitive, making it easy even for first-time users.
6. Flexible Repayment Options
Ram Fincorp allows borrowers to choose tenures from 3 months up to 12 months, ensuring that repayment stays manageable and stress-free.
7. Strong Data Security System
With a secure data protection mechanism in place, all personal and financial information shared on the platform remains confidential and encrypted.
Buy Now : 200+ Premium Trading Courses
Eligibility Criteria for Ram Fincorp Personal Loan
To apply for a personal loan through Ram Fincorp, the following eligibility conditions must be met:
- The applicant must be an Indian citizen and 21 to 55 years old.
- The minimum monthly income required is ₹30,000.
- Applicants must be salaried professionals with active income records.
- Must possess valid PAN card, Aadhaar card, salary slips for the last 3 months, salary account bank statement (3-6 months), and address proof.
Documents Required
- PAN Card
- Aadhaar Card
- Last 3 Months’ Salary Slips
- 3 to 6 Months’ Bank Statement (Salary Account)
- Proof of Residential Address
How to Apply for a Ram Fincorp Personal Loan?
- Visit the official Ram Fincorp website or app.
- Click on the ‘Apply Now’ or ‘Get Instant Loan’ button.
- Fill in your personal details, loan requirement, and contact information.
- Upload required documents securely.
- Once approved, review the terms and conditions.
- Loan amount is credited to your bank account within 30 minutes.
Who Can Benefit from Ram Fincorp Loans?
- Individuals looking for emergency medical funds
- Salaried professionals with short-term cash flow issues
- Borrowers who need quick access to funds without collateral
- First-time borrowers seeking a transparent and affordable loan
Conclusion
In today’s fast-paced, digitally connected world, Ram Fincorp Personal Loan stands out as a highly reliable and user-friendly lending platform for salaried professionals. Offering instant loans with minimal documentation, low interest rates, and full transparency, it simplifies the borrowing experience for thousands of users in India. Whether you’re facing an unexpected financial emergency or planning a personal expense, Ram Fincorp ensures that funding is just a few clicks away. Their end-to-end digital process, competitive rates, and customizable loan amounts make it one of the top personal loan options in India for 2025.
Buy Now : 200+ Premium Trading Courses
Disclaimer: Loan approval, disbursal time, interest rates, and other associated charges are subject to eligibility, credit profile, and verification by Ram Fincorp. Borrowers are advised to read the terms and conditions carefully before applying. This blog post is for informational purposes only and does not constitute financial advice. This article is based on publicly available information and official product descriptions provided by Ram Fincorp. The author is not affiliated with the brand and is not responsible for any decisions made by readers based on this content. Always do your own research before applying for any financial product.
