Features
- 100% Digital & Paperless Process
- No Collateral Required
- Flexible Tenure: 12 to 60 Months
- Loan Amount: ₹1,000 to ₹10,00,000 (Based on Eligibility)
- Minimal Documentation
- Quick & Easy Disbursal
Target Audience
- Age: 18 to 58 Year
- Citizen: Indian
- Employment Type: Salaried/Self-employed
- Income: "Salaried: ₹18000 per month Self-employed: ₹2,16,000 per year"
- Cibil Score: 600+
- Customer Type: NTB (New customer) only
Application Process
- Step 1: Share the loan link with your network (Friends/Customers).
- Step 2: Customer clicks the link & enters details (Name, Mobile, Email, Pincode), then selects ‘Start Journey’.
- Step 3: Redirects to the official website → Click ‘Get Started’ → Enter Mobile Number → Verify with OTP.
- Step 4: Fill in employment details (Type, Organization, Monthly Income).
- Step 5: Enter personal details (Name, DOB, PAN, Loan Amount, Purpose).
- Step 6: Submit address, company details & give permission for Bureau verification.
- Step 7: Enter OTP for verification → System displays eligible loan amount → Select Loan Amount & Tenure → Click ‘Confirm & Proceed’.
- Step 8: Upload Selfie & KYC Documents, then proceed. Step 9: Verify Aadhaar (Linked Mobile Required) → Enter Aadhaar Number → Get OTP → Verify.
- Step 10: Set up Auto Repayment → Enter Bank Details → Select ‘Net Banking’ or ‘Debit Card’.
- Step 11: Accept Loan Agreement Terms & Conditions. Step 12: Verification by the team → Loan Disbursed to Customer’s Account.
Documents Required
- Aadhaar Card
- PAN Card
- Address Proof
- Income Proof
- Banking /Payslip details if loan amount above ₹40,000.
Terms & Conditions
- Available for new users only. Your customers should not have any relationship with the Ram Fincorp.
- Your customer has to apply for the Ram fincorp personal loan by using your tracking link.
- If you are not able to finish the account opening process due to any reason, then you have to complete the process using the same link, or else the lead would be rejected.
- Make sure that the same mobile number shall be captured throughout the process.
- Customer mobile number should be linked with Aadhaar card.
- Customer must complete the application on their device. if more than one customer use the same device to apply, then no commission will be paid.
You can apply for a personal loan using the Ram Fincorp Loan App, which is available for download on both Android and iOS platforms. The application process is fully online and requires minimal documentation, making it quick and convenient.
To be eligible, you typically need a valid PAN card, Aadhaar card, salary slips (last three months), and bank statements (last six months). Your credit score plays a significant role, and a score of 600 or above may increase your chances of approval, although interest rates may vary depending on your score.
Once your loan is approved, the disbursal happens almost instantly, often within minutes, provided all documentation is complete and verified.
