Our Home Loan Policy primarily caters to small business owners. It also Caters to salaried employees working with small and medium-sized firms and companies. Whether you’re purchasing a new property (ready or under construction), buying a resale property, looking to take over an existing loan, or seeking top-up options, our policy is designed to meet your needs.

• Segment: Business Owners Salaried Employees.

• Transactions: Purchase (Under Construction/Ready), Resale, Takeover, Top-ups

• Loan Amount: Up to Rs 75 Lakhs

• Vintage: 3 years

• CIBIL Score: Above 675

• Geography: Gujarat, Maharashtra, Madhya Pradesh, Rajasthan (within 50 kms from RCPL Branch)

• Flexible eligibility criteria

• Liquid income approach for small MSME vendors

• Industry-best Loan-to-Value (LTV) ratio

• Empathetic approach for individuals at the bottom of the pyramid

To Apply for Home Loan in India, please ensure you have the following documents:

• KYCs

  • Proof of identity

  • Proof of address

• Vintage Proof

  • Employment certificate or Business registration documents

• Income Documents

  • Bank statements of last 12 Months

  • ITR of Last 2 Years

• Property Documents

  • Sale agreement

  • Property title deed

  • Encumbrance certificate

Our home loans in India are ideal for:

• Small Business Owners: With at least 3 years in business.

• Salaried Individuals:With a minimum of 2 years of employment history.

• Residents in Gujarat, Maharashtra, Madhya Pradesh, and Rajasthan: Particularly within 50 kilometers of an RCPL Branch.

Ratnaafin’s Working Capital Demand Loan is a strategic financial solution tailored to meet the immediate operational needs of businesses. It is designed to provide vital funding to cover day-to-day expenses, manage cash flow, and seize growth opportunities.

In the dynamic world of business, having ready access to working capital is essential for day-to-day operations, growth, and seizing opportunities as they arise. Ratnaafin understands the significance of working demand and offers a specialized financial product, the “Ratnaafin Working Capital Demand Loan,” designed to meet the unique financial needs of businesses

• KYC Documents of All the promoters & Owners.

• Financial Statements (3 years B/S and ITR, 12 months GST Return, 12 Months Bank Statement of all banks)

• Ownership Proof (Certificate of Incorporation/Partnership Deed)

• Business Plan (Business idea, goals, revenue projections, etc.)

• Purchasing Inventory

• Covering Payroll and Overhead Costs

• Expanding and Scaling Up Business

• Mitigating Cash Flow Gaps

RATNAAFIN Machinery Loan is a comprehensive financial solution that enables businesses to acquire essential equipment and machinery. With RATNAAFIN’s Machinery Finance in Gujarat, businesses can access the funds necessary to purchase equipment for diverse sectors, including manufacturing, healthcare, construction, and more.

We offer competitive interest rates, flexible loan amounts, and convenient repayment options tailored to the specific needs of each business. Whether it’s machinery, vehicles, IT hardware, or medical equipment, we also provide customized financing solutions to help businesses optimize their operations. With quick loan processing and expert guidance throughout the process, we ensure a seamless and efficient borrowing experience for Heavy Machinery Financing.

• KYC Documents of All the promoters & Owners.

• Financial Statements (3 years B/S and ITR, 12 months GST Return, 12 Months Bank Statement of all banks)

• Ownership Proof (Certificate of Incorporation/Partnership Deed)

• Business Plan (Business idea, goals, revenue projections, etc.)

• Performa Invoice/quotation of Machinery

• Manufacturing Unit

• Healthcare Institutions

• Construction Business

• Agricultural enterprises

Whatever type of property you own—residential, commercial, or special use—it can be used as collateral for a loan when you need money. Financial issues related to business growth, working capital, capital expenditure, partnership, and inorganic growth can be easily resolved if you own any property. By mortgaging your property, you can quickly obtain a mortgage loan. One of the most efficient ways to raise money is with a RATNAAFIN Loan against property. The loan term is flexible, amount is large, and the interest rate is low. You can also take advantage of our alluring deals to easily satisfy your financial needs

• KYC Documents of All the promoters & Owners.

• Financial Statements (3 years B/S and ITR, 12 months GST Return, 12 Months Bank Statement of all banks)

• Property Documents (For Mortgage purpose)

• Ownership Proof (Certificate of Incorporation/Partnership Deed)

• Business Plan (Business idea, goals, revenue projections, etc.)

• Business Expansion

• Equipment Purchase

• Debt Consolidation

• Business Improvement

Supply chain finance is an innovative funding solution designed to enhance the working capital of businesses by optimizing cash flows and improving profitability. This short-term, collateral-free working capital facility benefits both small and medium-sized buyers and suppliers. It facilitates a seamless financial transaction that optimizes the supply chain, ensuring that Both parties involved—suppliers and buyers gain maximum efficiency and enhanced profitability.

In a supply chain finance setup, three key parties are involved:

• Supplier: The entity providing goods to the buyer.

• Buyer: The entity purchasing goods from the supplier.

• Financer: The entity offering financial solutions to the supplier and buyer.

• Anchor: A corporate entity that facilitates supply chain finance for its vendors or dealers by arranging financing from a financer.

• Supplier: Also known as a vendor, this is the business entity supplying goods to the buyer.

• Buyer: The business entity purchasing goods from the supplier/vendor.

• Dealer: A buyer who procures goods from the distributor or manufacturer.

• Usance: The allowable period between the date of disbursement and its repayment, essentially the credit period provided by the financer (e.g., a 60-day usance period means the repayment is due on 60th day from the date of disbursement).

We provide a range of supply chain finance solutions  at Ratnaafin, the Supply Chain Finance Company in India, tailored to meet the unique needs of your business:

• Vendor Finance: Enhances cash flows for vendors by providing early payment solutions.

• Dealer Finance: Facilitate smooth operations for dealers with efficient financing options.

• Purchase Invoice Discounting: Offers immediate funds by discounting purchase invoices.

• Sale Invoice Discounting: Provide quick access to funds by discounting sale invoices.

While document requirements can differ between entities, some of the most commonly requested documents include:

• Last 3 years of audited financial statements.

• Last 1 year of bank statements and GST returns.

• Latest working capital loan sanction letters.

Our supply chain finance solutions are ideal for:

• Anchor Corporates:

  • Avail cash discounts on early payments to suppliers.

  • Ensure payment discipline and reduce payment risk by making timely payments to MSMEs.

  • Allow extended credit periods without any worry.

  • Maintain supply chain stability and reliability.

• Vendors/Dealers:

  • Improve cash flows with upfront payments.

  • Access competitive pricing by leveraging the anchor’s credit.

  • Obtain collateral-free working capital loans.

  • Enhance operational efficiency and boost top-line growth.

At Ratnaafin, we provide the best supply chain finance solutions to businesses in India. Our unmatched financial solutions drive business success and help optimize financial operations for greater profitability. We pride ourselves on being among the best supply chain finance providers, committed to helping businesses navigate the complexities of supply chain finance in India.

Solar loans are a type of financial product designed to help individuals and businesses finance the purchase and installation of solar panel systems for their homes or properties. These loans are specifically tailored for solar energy projects and are intended to make solar power more accessible to consumers by providing funding options that align with the long-term cost savings associated with solar energy.

As a leading solar finance company in India, Ratnaafin is committed to driving solar energy adoption, and our Rooftop Solar Loan aligns with this mission. We provide competitive interest rates, flexible repayment terms, and support to help clients navigate the transition to solar power seamlessly. By choosing our Rooftop Solar Loan, you’re not only investing in a sustainable future but also making a sound financial choice. Join us in the journey towards a greener, more sustainable world with Ratnaafin’s Rooftop Solar Loan.

• For Commercial

  • KYC of firm / company & Partners / Directors

  • Last 3 years audit report and ITR with COI of firm / company

  • Last 12 months all bank statement and GST return

  • Copy of Last 3 months electricity bill

  • Copy of Solar Quotation

• For Residential

  • KYC of individual and property owner

  • Last 2 years ITR with COI

  • Last 12 months all bank statement

  • Copy of Last 3 months electricity bill

  • Copy of Solar Quotation

• Residential properties to reduce energy costs

• Commercial and Industrial Enterprises

• Agricultural Ventures

• Solar Energy Contractors

Ratnaafin Corporate Personal Loan Program is a financial solution specially crafted for corporate professionals. It offers tailored financing with competitive interest rates, flexibility, and quick approvals. This program empowers individuals to achieve their personal financial goals, from education to home improvements, all with the trust and reliability of Ratnaafin. Unlock the potential for financial growth with Ratnaafin Corporate Personal Loan Program.

• Corporate backed personal loan program for employees

• Personal Loan in monthly EMI format

• Very competitive interest rate

• Timely repayment by employees due to NBFC as lender

• Employee Retention

• Low income / blue collar employees are covered

• Employer is the First lender for any employee’s personal needs

• Problem of recovery of employee advances

• Only large corporates having pre-approved personal loan program with bank

• Very high interest rate for mid and small corporate employees

• Low-income profile employees not covered by Banks/ FIs

• Problem of Employee Retention

• Employee not getting required amount of loan as per HR Policy

• KYC Documents of applicant

• Last 6 Months Salary Slips

• Residence Ownership Proof (Aadhaar, Electricity Bill)

• Application Form