Ram Fincorp: Express

Ram Fincorp: Express – Get instant loans up to ₹2 Lakhs in just a few taps!

Ram Fincorp: Express App offers instant personal loans tailored to meet your financial needs—quickly and effortlessly. Enjoy one of the fastest disbursal experiences, with funds reaching your bank account in as little as 30 minutes, low interest rates, and a seamless, user-friendly application process.

As a proud RBI-registered NBFC, Ram Fincorp is committed to empowering salaried professionals with fast and reliable access to credit. We simplify the borrowing experience through smart digital innovation, offering a transparent, user-friendly loan platform that delivers real-time access to funds—when you need them most.

Why Choose Ram Fincorp: Express?
Our loans come with competitive interest rates, made possible by our streamlined risk assessment. We believe in minimising financial stress, ensuring that our customers benefit from fair and affordable borrowing options.
While banking has largely embraced digital transformation, personal loans often still require physical touch points. Not at Ram Fincorp. We've created an end-to-end digitised loan journey, so you can apply, get approved, and receive your funds - all from your mobile device, with no queues, no paperwork hassle.

LOAN MODEL

Ram Fincorp: Express provides personal loans ranging from INR 5,000 to INR 2,00,000 based on your
requirement
Loan Amount: - 5,000 to 2,00,000
Interest Rate: - Up to 35% per annum
APR: 35% MAX
Age: - 21 to 55 years
Late payment fee - as applicable (Charged only, if repayment is delayed)
Processing Fee: - Up to 5%
Loan tenure: - 90 days to 365 days
Pre-closure charges – As applicable

Sample Loan Calculation

Loan amount: ₹ 30,000 at interest rate of 30% p.a.
Loan Duration: 3 Months
Total personal loan interest = ₹ 2,250
Processing fees (PF) + GST = ₹ 500 + ₹ 90 = ₹ 590
Total Deductibles (PF + GST): ₹ 590
In-Hand Amount: Loan Amount - Total Deductibles = ₹ 30,000 - 590 = ₹ 29,410
Total repayable Amount (Loan Amount + Interest): ₹ 32,250
Monthly EMI Repayable (Loan Amount + Interest / No of EMI's): ₹ 10,750
PF + GST are deducted upfront during the loan disbursal.

Advantages Of Ram Fincorp Personal Loan
● Customised Personal Loan
● Secure Data System
● Instant Approval And Disbursal
● User-Friendly 
● Minimum Documentation

Eligibility/Document Required
● Individuals with a minimum monthly income of Rs. 30,000.
● Indian residents/citizens who are 21 years and above
● To apply for the loan applicants would need pan cards, aadhar cards, salary slips (for the
last 3 months), salary acco