Trust in Excellence
An RBI Registered NBFC You Can Count On

Fueling Business Growth. Empowering small enterprises with flexible funding options and personalized support.

Why Choose Us

We understand that making the right financial choices is essential for your business growth. Here's why you should choose us.

Instant Eligibility Check
In 2 Minutes
In 2 Minutes

Get quick and easy access to instant loan eligibility check. Find out if you qualify for a loan in just a few minutes. Simple, convenient, and hassle-free.

Attractive Interest Rates
Starting @1% * per month
Starting @1% * per month

Unlock attractive interest rates for your loans. Enjoy competitive rates that help you save money and make your dreams more affordable.

Quick Loan Approval
Within 48 hours
Within 48 hours

Get your funds in no time with our streamlined application process. Say goodbye to waiting and hello to quick financial solutions.

6 unique products
To meet any Business Needs
To meet any Business Needs

Versatile solutions for all businesses: 6 unique products tailored to meet every need.

Ready to unlock the potential for your dreams?

Our Products

RATNAAFIN Business loan is for micro, small and medium enterprise and can be availed with or without security. Our adaptable loan options are all well thought and researched so that every business is supported in achieving their desired heights, whether it be only your capital requirements or working capital demands towards some significant business expansions.

Business loan is to help small businesses and self-employed, including merchants (all types of shops), manufacturers (small manufacturing industries, mills), and service providers (hotel industry, garages) etc. Know More

  • 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.)
  • Business Expansion
  • Marketing & Advertising
  • New Product Development
  • Acquiring another business

Ratnaafin’s Working 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 Demand Loan,” designed to meet the unique financial needs of businesses. Know More

  • 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, 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

, Know More

  • 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. Know More

  • 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, offered by Ratnaafin, is a financial solution that enhances the efficiency and liquidity of supply chains. It serves as a critical bridge between buyers, suppliers, and financial institutions.

Ratnaafin’s Supply Chain Finance is a transformative financial tool that optimizes supply chain operations, improves cash flow for all stakeholders, and reduces financial risks. It fosters collaboration and transparency while empowering both buyers and suppliers to thrive in today’s competitive business environment. This financial solution is at the forefront of empowering businesses to adapt and succeed in a dynamic marketplace. Know More

  • KYC Documents of All the promoters & Owners
  • Last 3 years Statutory Audit report along with ITR & COI
  • Provisional Financial of last year and current year with all schedules
  • Latest Sanction letter of all banks and NBFCs
  • Last 12 months GSTR3B returns
  • Last 12 months all bank account statement
  • Last 12 months ledger of vendors / dealers
  • Working Capital Optimization
  • Enhanced Cash Flow
  • Strengthening Supplier Relationships
  • Expansion and Growth

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.

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. Know more

For CommercialFor Residential
KYC of firm / company & Partners / DirectorsKYC of individual and property owner
Last 3 years audit report and ITR with COI of firm / companyLast 2 years ITR with COI
Last 12 months all bank statement and GST returnLast 12 months all bank statement
Copy of Last 3 months electricity billCopy of Last 3 months electricity bill
Copy of Solar QuotationCopy 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
  • KYC Documents of applicant.
  • Last 6 Months Salary Slips
  • Residence Ownership Proof (Adhaar, Electricity Bill)
  • Application Form
  • Holidays
  • Marriage
  • Household expenses
  • Medical Emergency

Overview

RATNAAFIN Business loan is for micro, small and medium enterprise and can be availed with or without security. Our adaptable loan options are all well thought and researched so that every business is supported in achieving their desired heights, whether it be only your capital requirements or working capital demands towards some significant business expansions.

Business loan is to help small businesses and self-employed, including merchants (all types of shops), manufacturers (small manufacturing industries, mills), and service providers (hotel industry, garages) etc. Know More

Documentation
  • 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.)
Best Suited for
  • Business Expansion
  • Marketing & Advertising
  • New Product Development
  • Acquiring another business

Overview

Ratnaafin’s Working 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 Demand Loan,” designed to meet the unique financial needs of businesses. Know More

Documentation
  • 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.
Best Suited for
  • Purchasing Inventory
  • Covering Payroll and Overhead Costs
  • Expanding and Scaling Up Business
  • Mitigating Cash Flow Gaps

Overview

RATNAAFIN Machinery Loan is a comprehensive financial solution that enables businesses to acquire essential equipment and machinery. With RATNAAFIN’s Machinery Finance, 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

, Know More

Documentation
  • 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
Best Suited for
  • Manufacturing Unit
  • Healthcare Institutions
  • Construction Business
  • Agricultural enterprises

Overview

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. Know More

Documentation
  • 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.)
Best Suited for
  • Business Expansion
  • Equipment Purchase
  • Debt Consolidation
  • Business Improvement

Overview

Supply chain finance, offered by Ratnaafin, is a financial solution that enhances the efficiency and liquidity of supply chains. It serves as a critical bridge between buyers, suppliers, and financial institutions.

Ratnaafin’s Supply Chain Finance is a transformative financial tool that optimizes supply chain operations, improves cash flow for all stakeholders, and reduces financial risks. It fosters collaboration and transparency while empowering both buyers and suppliers to thrive in today’s competitive business environment. This financial solution is at the forefront of empowering businesses to adapt and succeed in a dynamic marketplace. Know More

Documentation
  • KYC Documents of All the promoters & Owners
  • Last 3 years Statutory Audit report along with ITR & COI
  • Provisional Financial of last year and current year with all schedules
  • Latest Sanction letter of all banks and NBFCs
  • Last 12 months GSTR3B returns
  • Last 12 months all bank account statement
  • Last 12 months ledger of vendors / dealers
Best Suited for
  • Working Capital Optimization
  • Enhanced Cash Flow
  • Strengthening Supplier Relationships
  • Expansion and Growth

Overview

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.

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. Know more

Documentation
For CommercialFor Residential
KYC of firm / company & Partners / DirectorsKYC of individual and property owner
Last 3 years audit report and ITR with COI of firm / companyLast 2 years ITR with COI
Last 12 months all bank statement and GST returnLast 12 months all bank statement
Copy of Last 3 months electricity billCopy of Last 3 months electricity bill
Copy of Solar QuotationCopy of Solar Quotation
Best Suited for
  • Residential properties to reduce energy costs
  • Commercial and Industrial Enterprises
  • Agricultural Ventures
  • Solar Energy Contractors

Overview

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.

Solutions We offer
  • 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
Documentation
  • KYC Documents of applicant.
  • Last 6 Months Salary Slips
  • Residence Ownership Proof (Adhaar, Electricity Bill)
  • Application Form
Best Suited for
  • Holidays
  • Marriage
  • Household expenses
  • Medical Emergency

Fuel Your Business Growth In Just 4 Simple Steps

01

Check Eligibility

Determine your loan eligibility in just seconds and discover your borrowing potential.
02

Confirm the loan amount

Confirm loan amount instantly with our fast, easy, and secure process.
03

Upload your documents

Upload docs securely. Speed up approval process. Get closer to your loan goals.
04

Loan disbursal

Loan disbursal: Quick funds transfer. Achieve your goals sooner.
01

Check Eligibility

Determine your loan eligibility in just seconds and discover your borrowing potential.
02

Confirm the loan amount

Confirm loan amount instantly with our fast, easy, and secure process.
03

Upload your documents

Upload docs securely. Speed up approval process. Get closer to your loan goals.
04

Loan disbursal

Loan disbursal: Quick funds transfer. Achieve your goals sooner.

We'd love to hear from you.

We're happy to assist you with any query, request or complaint you may have. Kindly fill out the form by selecting your query type. Our team will get in touch with you to get it resolved at the earliest.

info@ratnaafin.com

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    Our Happy Entrepreneurs

    Financial Insights Hub

    Frequently Asked Questions

    Get clarity on funding options and make informed decisions for your ventures. Explore now!

    You can apply for a loan at Ratnaafin Capital by simply click on "Check eligibility now" and filling out the online application form.

    Generally, you will need your ID proof, address proof, income documents, bank statements, and passport-size photographs.

    The eligibility criteria vary depending on the type of loan. Generally, factors like credit history, income, and age are considered.

    Once we receive all the required documents, the processing time is typically 2-5 business days. However, it may vary.

    Yes, you can apply online through our website. Alternatively, you can visit our nearest branch for in-person assistance.

    Ready to unlock the potential for your dreams?