Ram Fincorp Reviews 108

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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.

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

High intrest rate, disbursement less amount , high processing fees

This company under the lending partner R K Bansal and Co. is looting people's in broad day light with its superhigh interest rates and people in emergency needs fall trap, this is their business model. RBI should ban it immediately.

This company looted almost 60,000 from me with hidden charges.

App not open link not open penalty charges over due fradu alert plese help me .. auto depit cancelled plese

Very unprofessional I already paid a emi but application show overdue and penalties. I already mail and call customer support representatives but they don't rake call please help me

The agent from this company messaged me on whatsapp and offered settlement and I paid it. When asked for settlement letter he went offline. Now the company is still reporting my debt as being overdue. How is RBI even allowing this company to function?

Scammers cheating me they are charging very high fees just taken 6176rs loan they asking me 20000rs to pay and they auto debiting daily through my bank account so iam talked with my lawyer and going to file complaint on RBI and cyber crime

Nonsense app they all are cheater by giving small amount and taken its three times if you delay one payment..... I totally condemn this app in india. Advicing each indians dont take money from it.....

Ram fincorp is biggest scams in history of India. They are looting innocent middle class indians. I took loan of 15000/- . I got 13000/- in hand after deduction of service fees. And now they are demanding 57000/- . They are charging more than ancient greedy baniyas. RBI should intervene and arrest r.k.bansal for harrassing indians .