Ram Fincorp
- Company typePrivate
- Founded1984
- HeadquartersDelhi, India
- Headcount101–250
- GTM typeB2C
- OfferingServices
Ram Fincorp firmographics
Firmographics- Name
- Ram Fincorp
- Legal name
- Kundanmal Technology Private Limited
- Website
- https://ramfincorp.com
- Company type
- Private
- Founded year
- 1984
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Ram Fincorp industry classification
Industry- Product category
- Consumer Lending
- NAICS
- Nondepository Credit Intermediation (5222), Commercial Banking (52211)
- SIC
- Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industries
- SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD)
Keywords
Where Ram Fincorp is headquartered
LocationHeadquarters
- HQ city
- Delhi
- HQ country
- India
- HQ region
- Asia
Offices3 records
Markets served
Ram Fincorp business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations
Revenue model
- Interest Income: Revenue generated from interest charged on personal loans disbursed. Loans range from ₹5,000 to ₹2 Lakhs with interest rates up to 36% per annum.
- Processing Fees: Upfront processing fees charged on loan disbursal, up to 5% of loan amount plus applicable GST. Fees are deducted during loan disbursal.
- Late Payment Fees: Penalty fees charged when borrowers delay EMI repayments beyond the due date.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Instant Personal Loan - up to ₹2 Lakhs |
| Transaction based/ take rate | Pay-as-you-go | Low CIBIL Score Personal Loans |
| Transaction based/ take rate | Pay-as-you-go | Aadhaar Card Loans - ₹5,000 to ₹1,00,000 |
| Transaction based/ take rate | Pay-as-you-go | Salaried Employee Loans - by salary bracket |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Ram Fincorp product offering
Product offeringCore offering
Ram Fincorp (a brand of Kundanmal Technology Private Limited) operates as a digital Lending Service Provider (LSP) facilitating instant personal loans ranging from ₹5,000 to ₹2 Lakhs through its RBI-registered NBFC partner R.K. Bansal Finance Pvt. Ltd. The platform offers a 100% paperless, Aadhaar-based e-KYC digital lending experience with instant approval and same-day disbursal, targeting salaried employees, self-employed individuals, and borrowers with low or no CIBIL score across India.
Product overview
Ram Fincorp operates as a digital-first NBFC (Non-Banking Financial Company) offering instant personal loans through a fully paperless online process. The company acts as a Lending Service Provider (LSP) for R.K. Bansal Finance Pvt. Ltd. (RBI-registered NBFC). The core product portfolio includes: Instant Personal Loan Online (up to ₹2 Lakhs) as the flagship offering, Credit Score Personal Loans (covering scores 600-850+), Loan on Aadhaar Card (₹5,000-₹100,000), Personal Loan for Salaried Employees, and Loan Against Property (secured lending entry). Supporting tools include an EMI Calculator and Partner Program (DSA) for distribution. All products are processed digitally with minimal documentation and fast disbursal.
Differentiator
Problem solved
Functional benefit
Products and services
- Instant Personal Loan
Quantifiable outcome
- 157,000+ loans disbursed
- +2 more outcomes
Companies that use Ram Fincorp
Customer profileNamed customers5 records
Segments4 records
Ideal customer profiles1 record
Ram Fincorp technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Ram Fincorp partnerships and signals
Strategic signalScale indicators4 records
Recent moves6 records
Expansion highlights6 records
Ram Fincorp competitors and assessment
Company assessmentDirect peers
- KreditBee: India-based digital lending platform offering instant personal loans to salaried and self-employed individuals via a mobile app, with a similar subprime-friendly underwriting approach and partner-NBFC funding model.
- MoneyView: Indian consumer lending app providing personal loans, home loans, and credit lines to salaried individuals using a fully digital, paperless process — directly comparable in product, target customer, and digital distribution to Ram Fincorp.
- CASHe: Digital lending platform targeting young salaried professionals with short-tenure personal loans. Already listed as a sourcing partner for Ram Fincorp, it is a direct competitor in the same underserved-salaried segment.
- mPokket: India-focused digital lender providing small-ticket instant loans to salaried employees and students, with a comparable low-ticket, Aadhaar-driven KYC model and similar reliance on NBFC partners for credit and funding.
- Fibe (formerly EarlySalary): Digital lending platform offering salary advances and personal loans to Indian professionals via a mobile-first experience, overlapping directly with Ram Fincorp's salaried segment and short-tenure loan structure.
- LazyPay (PaySense): BNPL and personal credit provider for Indian consumers, operating digital-first with NBFC backing — directly comparable in target segment and instant-approval consumer credit product to Ram Fincorp.
- MoneyTap: Personal line-of-credit product for Indian salaried customers, funded through NBFC partners, with similar instant-approval digital experience targeting consumers underserved by banks.
Emerging players
- NIRA Finance: Smaller Indian digital lender focused on personal loans to salaried and self-employed borrowers with limited credit history — a comparable subprime-targeting niche player with similar NBFC-funded model.
Broad incumbents
- Bajaj Finserv: Large established Indian NBFC offering personal loans, consumer durable loans, and LAP across India with extensive digital and branch distribution. Listed as a Ram Fincorp sourcing partner, but operates as a broad incumbent in the same lending space.
- Dhani (IndusInd's consumer finance arm / Dhani Services): Large Indian digital consumer finance platform offering personal loans, healthcare financing, and credit cards via app — a broader incumbent competing with Ram Fincorp across multiple consumer credit verticals.
Market position
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Ram Fincorp social profiles
Digital presenceRam Fincorp financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ram Fincorp leadership team
Management profileNumber of profiles
Profiles2 records
Ram Fincorp funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ram Fincorp M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ram Fincorp
What does Ram Fincorp do?
Ram Fincorp (a brand of Kundanmal Technology Private Limited) operates as a digital Lending Service Provider (LSP) facilitating instant personal loans ranging from ₹5,000 to ₹2 Lakhs through its RBI-registered NBFC partner R.K. Bansal Finance Pvt. Ltd. The platform offers a 100% paperless, Aadhaar-based e-KYC digital lending experience with instant approval and same-day disbursal, targeting salaried employees, self-employed individuals, and borrowers with low or no CIBIL score across India.
Is Ram Fincorp a public or private company?
Ram Fincorp is a private company. It is classified as unknown and is currently operating.
When was Ram Fincorp founded?
Ram Fincorp was founded in 1984. It employs 101 to 250 people.
Where is Ram Fincorp based?
Ram Fincorp is headquartered in Delhi, India, in the Asia region.
How does Ram Fincorp make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are processing Fees and late Payment Fees.
Who are Ram Fincorp's main competitors?
Direct peers on record are KreditBee, MoneyView, CASHe, mPokket, Fibe (formerly EarlySalary), LazyPay (PaySense) and MoneyTap. NIRA Finance is listed as an emerging player. Broad incumbents are Bajaj Finserv and Dhani (IndusInd's consumer finance arm / Dhani Services).
Does Ram Fincorp have an API?
No public API is recorded for Ram Fincorp.
What industry is Ram Fincorp in?
Ram Fincorp's product category is Consumer Lending. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSAKAGAJ, SME Lending Platforms & Embedded SME Credit. Its NAICS code is 5222 and its SIC code is 6153.