दोस्तो ऑनलाइन पर्सनल लोन लेना आजकल एक ट्रेंड बन गया है । ये लोन लेने वाले के लिए और लोन देने वाले दोनों के लिए सुविधाजनक है ।
आज कल जब की पैसों की जरूरत होती है तो कोई भी व्यक्ति किसी भी लोन ऐप से लोन ले लेता है । लोन प्रत्येक व्यक्ति की जरूरत भी बन गया है क्योंकि बढ़ती महंगाई और घटी इनकम से लोगों के पास पैसों की कमी होती जा रही है ।
इस प्रकार से लोग अपनी छोटी और बड़ी जरूरतों को जैसे बच्चों की पढ़ाई के लिए, मकान बनाने के लिए, मकान का रेनोवेशन करने के लिए, गाड़ी लेने के लिए, मोटरसाइकिल लेने के लिए या अब तो जन्म दिन मानने के लिए भी लोग लोन ले लेते हैं ।
जितनी भी लोन एप्लीकेशन ऑनलाइन मौजूद हैं ये सभी इंस्टेंट लोन देती हैं लेकिन सभी का ब्याज बहुत महंगा होता है और दूसरे चार्जेज भी अधिक होते हैं । लेकिन इन एप्लीकेशन से केवल वो लोग ही लोन लेते है जिनके पास अधिक इनकम नहीं होती या सिबिल स्कोर अच्छा नहीं होता या अचानक पैसों की जरूरत पड़ जाती है ।
ऐसे में लोन लेने वाले को भी पता होता है कि वो किस ब्याज दर पर लोन ले रहा है और ये लोन देने वाली कंपनियां भी लोगों से खूब पैसे कमाती है । लेकिन कंपनियां अपने पैसों का रिस्क भी लेती हैं बहुत से लोग तो ऐसे भी होते हैं जो पैसा वापिस ही नहीं देते ।
दोस्तो आज कल एक ऐसी ही कंपनी का नाम मार्केट में है Ram Fincorp loan app । आज इस पोस्ट में मैं आपको इस कंपनी के बारे में पूरी जानकारी देने वाला हूं ।
Table of Contents
Ram Fincorp के बारे में पूरी जानकारी
सबसे पहले तो ये जान लीजिए कि Ram Fincorp क्या है । ये एक ऑनलाइन लोन देने वाली कंपनी है जो डिजिटली या अपनी लोन ऐप के जरिए लोगों को लोन देती है । ये कंपनी ऐसे लोगों को लोन देती है जो सैलरीड या सेल्फ एम्प्लॉयेड होते हैं और जिन्हें अर्जेंट लोन की जरूरत होती है ।
Ram Fincorp Reviews कस्टमर क्या कहते हैं
Ram Fincorp के लिए कस्टमर्स ने दोनों तरह के फीडबैक दिए हैं । सही बात तो ये है कि जिनको अच्छा अनुभव होता है वो फीडबैक देने की जहमत नहीं करते और जिनके साथ कुछ गलत होता है वो ही अपना फीडबैक साझा करते हैं ।
इनमें से कुछ अच्छे फीडबैक ऐसे हैं
कुछ कस्टमर्स का कहना है कि कंपनी की ऐप आसानी से डाउनलोड की जा सकती है ।
एक पॉजिटिव फीडबैक है कि ये कंपनी RBI अप्रूव्ड है।
इस ऐप से लोन लेने के लिए कोई पेपर देने की जरूरत नहीं होती सारा काम डिजिटली होता है
कुछ कस्टमर्स कहते हैं इनके इंटरेस्ट रेट अधिक हैं और कुछ कहते है को ये हिडेन चार्जेज लगते हैं ।
कुछ कहते है कि ऐप में।लगातार टेक्निकल इससे आता रहता है ।
लोगों के फीडबैक की बजाय कस्टमर को अपनी जरूरतों को देखना जरूरी है। हमेशा इस तरह की ऐप ज्यादा ब्याज और चार्जेज वसूलती हैं ।
Ram Fincorp Loan Eligibility
अगर आप भी Ram fincorp से लोन लेना चाहते हैं तो सेब पहले इसकी एलिजिबिल्टी जरूर जान ले ।
- Age: 21 to 55 years
- Source of income: Salaried or self-employed
- Valid PAN card and Aadhaar card
- Active bank account with internet banking
- Decent CIBIL score (above 600 preferred)
Ram Fincorp Minimum and Maximum Loan Amount
Based on user feedback, Ram Fincorp loan amount typically ranges from:
- ₹2,000 (minimum) to
- ₹2,00,000 (maximum) depending on eligibility.
The approved amount depends on your income proof, repayment history, and app scoring system.
Ram Fincorp App
The Ram Fincorp app is available for Android users on their official website. It promises:
- Simple registration
- Loan disbursal within minutes
- EMI repayment through UPI, debit card, or net banking
However, reviews mention frequent crashes and login problems.
Ram Fincorp Login
To log in, new users must register with their mobile number, email, and Aadhaar-linked OTP.
Existing customers can use Ram Fincorp login ID and password to check loan details, EMI status, and repayment options.
Ram Fincorp Loan
The loan is marketed as instant personal loan with features like:
- Small to medium ticket sizes
- Short repayment cycle (15 to 180 days)
- Digital KYC for fast processing
However, the interest rate is often high (24%–36% annually), making it expensive compared to bank loans.
Ram Fincorp is Real or Fake?
This is the biggest question borrowers have. While the app is available on Play Store, Ram Fincorp is not an RBI-approved NBFC or bank. This raises doubt about its authenticity and long-term safety.
So, it may not be a complete scam, but it is also not fully regulated like banks. Borrowers must proceed with caution.
Is Ram Fincorp RBI Approved?
Currently, Ram Fincorp is not listed under RBI-approved NBFCs or banks. This means it does not have direct RBI regulation, which makes loans risky. Always prefer RBI-recognized institutions for safe borrowing.
Is Ram Fincorp Safe?
Safety is questionable because:
- No RBI license
- High processing charges
- Complaints about harsh recovery practices
- Privacy concerns about data collection from phones
So, Ram Fincorp is not 100% safe. Borrow only if absolutely necessary.
Ram Fincorp Customer Care Number
Their customer care number is +91 9599196212 / 95992 38889
and
Email address is – [email protected]
Ram Fincorp App Download
This app is not available now on Google play store, you can download the app direct from their official website ramfincorp.com
Ram Fincorp Repayment
Repayment is usually done via:
- UPI apps (PhonePe, Google Pay, Paytm)
- Debit card or net banking
- Auto-debit (if enabled)
Failure to repay on time may result in penalty charges and continuous recovery calls.
Ram Fincorp Late Payment Charges
Late payment charges are high. Borrowers report penalties of 2–5% per day of delay, which makes repayment even harder. Always plan EMIs before taking the loan.
Ram Fincorp APK Download
You can download Ram Fincorp APD direct official website ramfincorp.com
Pros and Cons of Ram Fincorp
Pros
- Quick loan approval
- 100% online process
- Useful for urgent cash needs
- Minimal documents required
Cons
- Not RBI-approved
- High interest rates
- Hidden charges & late penalties
- Poor customer service
- Data privacy concerns
Conclusion
Ram Fincorp loans may be suitable for people who need small, urgent loans instantly, but they come at a high cost. The lack of RBI approval and negative customer reviews make it a risky option for long-term borrowing.
If you are considering it, borrow the smallest possible amount and repay on time to avoid penalties. For safer alternatives, explore RBI-approved NBFCs, banks, or government schemes.
FAQs on Ram Fincorp
1. Ram Fincorp is real or fake?
Ram Fincorp is a real app, but it is not RBI-approved. This means it works like many unregulated loan apps that provide quick credit but may not be 100% safe. Borrowers should use it with caution.
2. Why Ram Fincorp closed?
Some users report that the Ram Fincorp app is not available on the Play Store anymore. This could be due to policy violations, user complaints, or regulatory issues.
3. What is Ram Fincorp?
Ram Fincorp is a fintech app that offers instant personal loans online. It usually targets salaried individuals and self-employed borrowers in need of quick cash.
4. How much time does Ram Fincorp take to disburse a loan?
If approved, Ram Fincorp disburses loans within 24 hours. In many cases, customers report receiving money in their account in a few minutes to a few hours.
5. How to delete Ram Fincorp account?
To delete your account, you need to:
- Repay any pending loans.
- Contact Ram Fincorp customer care number or use the support email given in the app.
- Request account deletion and ensure they confirm it in writing.
6. How to pay Ram Fincorp loan?
You can repay your Ram Fincorp loan via:
- UPI apps like PhonePe, Google Pay, Paytm
- Debit card or net banking
- Auto-debit (if e-mandate was set during loan approval)
7. Why Ram Fincorp not in Play Store?
The app has been removed from Play Store temporarily or permanently. This usually happens if the app violates Google policies, gets too many complaints, or faces regulatory issues.
8. Why Ram Fincorp removed from Play Store?
Google Play often removes unregulated loan apps that misuse customer data or don’t comply with RBI lending guidelines. Ram Fincorp could have faced the same issue.
9. What happened to Ram Fincorp?
Currently, the app is not active on Play Store, which suggests operational or compliance issues. Some borrowers still receive repayment reminders, but new downloads are restricted.
10. What is e-mandate in Ram Fincorp?
E-mandate is an authorization that allows Ram Fincorp to auto-debit your EMI or loan repayment directly from your bank account on due dates.
11. Why Ram Fincorp app is not working?
The app may not work due to:
- Server shutdown
- Removal from Play Store
- Technical glitches
- Compliance-related restrictions
12. Who is the owner of Ram Fincorp?
The official owner details of Ram Fincorp are unclear, and this lack of transparency is a major concern. Unlike RBI-approved NBFCs, they do not publish clear ownership or company registration details.
13. Ram Fincorp loan not paid – what happens?