Ram Fincorp Avis 96

Chor company emi time se payment krne pr bhi bounce charge laga diye .

Ram Fincorp or R K bansal is absolutely fraud. Inspite of clearing all my dues on time, they incorrectly auto debited 8500 (1700×5times) without any consent and information. Dont take any loan from this company.

Charges to high and also harres totally fake app

Its really swallowing barrower blood by adding high rate of interest. we are taking loan to solve my trouble but because of this app again problems are increasing more and more. high penalty, if loan approve 35000 you will get credited 26,800 and you have to pay 41000 after 29 days. if you late one day 600 rupees will add. these people are like drinking my blood.

One of the worst app i reqest to goverment ban this froud application

Absolutely worst experience with RamFincorp. The level of over-interest charges they impose is shocking and feels completely exploitative. What they show initially and what you end up being asked to pay later are totally different. There is no transparency, and the charges keep increasing without any proper justification.

Their customer care is even more pathetic. Instead of resolving concerns professionally, the representatives speak in a rude and abusive manner, showing zero respect for customers who are already stressed about repayments. Getting a clear response or solution from them is almost impossible.

For anyone currently suffering due to their excessive charges — do NOT rush to make payments just based on verbal or WhatsApp commitments. They will promise reductions, but once you pay, you may struggle endlessly to get your NOC. The safest approach is to wait until the reduced settlement amount is clearly updated on your official online login payment screen. If you hold your ground, they eventually reduce the charges on the app itself. Only then proceed with the payment, close the loan properly, and secure your NOC.

Learn from others’ painful experiences and deal with them very cautiously.

I had a very bad experience with Ram Fincorp. This company looks like an easy loan provider, but the reality is completely different. They deduct large processing fees and give you much less money than the loan amount you applied for. After that, they demand an extremely high repayment amount within a very short time.

The interest rates and charges are extremely high and not clearly explained at the time of applying. It feels very misleading. Customer support is almost non-existent. When you try to contact them, there is no proper response.

Another big issue is the constant calls and pressure for repayment even before the due date. This creates unnecessary stress for customers.

I strongly advise people to stay away from this app. There are much safer and more transparent lenders available. Taking a loan from this company can create more financial problems instead of solving them.

Website not working

RBI should take against ram fincorp and wiveof all given loan amount taken by customers it's good punishment for fraud ram fincorp

Yeh screenshot ek typical loan scam ya illegal lending app ka lag raha hai, jo India mein bahut common ho gaya hai. Main details break down karke bata raha hoon:Charged/ Katne wala amount:Processing fee + GST → ₹2,006 (yeh directly deduct ho raha hai)
Approved loan amount: ₹17,000
Final disbursal (aapke account mein aane wala): ₹14,994 (17000 - 2006 = 14994)

Processing fee ke naam par ₹2,006 kat raha hai (including GST). Yeh almost 12% ke around processing fee ban raha hai (2006 / 17000 ≈ 11.8%), jo legitimate banks/NBFCs mein bahut zyada hota hai (usually 1-3% tak hi hota hai small loans pe).Total charges aur interest:Aapko 32 days baad repay karna hai: ₹22,610
Jo amount aapko milega: ₹14,994
Total wapas karna padega: ₹22,610
Isme extra pay karna pad raha hai: ₹22,610 - ₹14,994 = ₹7,616 (yeh interest + any hidden charges hai)

Effective taur pe, sirf 32 din ke liye ~₹7,616 extra charge — yeh 50%+ effective interest 1 mahine mein ban raha hai, jo annualized ~300-400% ke aaspaas hota hai. Yeh RBI ke rules se bahut zyada hai (legal personal loans mein max ~30-40% p.a. hota hai regulated lenders ke liye).Yeh scam kyun lag raha hai:Legitimate banks/NBFCs (jaise HDFC, Bajaj, Axis etc.) kabhi upfront processing fee nahi maangte bina loan disburse kiye, aur woh bhi itna high nahi hota.
Processing fee usually loan amount se deduct hoti hai, lekin sirf genuine approval ke baad, aur RBI-registered entity se.
Aise "instant approved" messages, high fee deduction, aur short-term mein itna high repayment → yeh illegal loan apps ya fake lending scams ka classic sign hai.
Bahut se cases mein log fee pay karte hain, phir loan nahi milta, ya milne ke baad harassment shuru ho jata hai (contacts, photos access karke blackmail).

Advice: Ispe "Continue" mat click karo, koi payment mat karo, aur app ya website se dur raho. Agar already koi details share kiye hain to bank account monitor karo aur cyber crime cell (1930 pe call ya cybercrime.gov.in pe report) ko inform kar do.Agar yeh kisi specific app ka hai to app ka naam batao to aur check kar sakta hoon. Safe raho!

Plz close the company any how😭😭 the ar threatening me

Very bad loan service provider. Takes lot of charges and harasses people. Don't go with this services.

When I applied for loan it's showed me rejected and try after 30 days, but I am getting back to back calls telling to do the payment and my account is Singapore bank account and amount is sent to that, when I asked for the proof with the customer support team thru started threating and telling I will call family members which is unfair when customer support team told do the adavance payment which is 4000 I will check with the team and give you the details. Till today I have never received any proof or anything. No proper English language support

No 1 fraud 18000rs given 20days after 30000rs collect,this app carefully use,this type more app,diya credit,TappCredit,Tapp cash,this app 2 time small amount your account credit after 7days collect double amount.

It's good app and trusted one and I have taken it and paid no obsive calls and tested one it's excellent

Payment was done before due date ,but still it is not updated.They are asking again emi amount.It is fraud app.

Don't pay single rupee i will case on these app as soon as possible this company is closed