8月13日的Ram Fincorp应用程序分析

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.