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WHY CHOOSE US

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

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. in need of immediate finance to increase their operational and working capital capacities.

  • 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

  • Equipment Purchase

  • Acquiring another business

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 our home loans, 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 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, 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.

  • 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, 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.

  • Off books funding for Corporates

  • On books funding for Corporates

  • Dealer Finance Program

  • 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

  • To Meet Working Capital gaps

  • Enhanced Cash Flow

  • Strengthening Supplier Relationships

  • Expansion and Growth

  • MSMEs or Corporates with Investment Grade (BBB & Above External Rating)

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. 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

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. in need of immediate finance to increase their operational and working capital capacities.

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

  • Equipment Purchase

  • Acquiring another business

Overview

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.

Key Policy Criteria
  • 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)

Key Benefits
  • 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

Documentation

To apply for our home loans, 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

Best Suited For

Our home loans 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.

Overview

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

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, we ensure a seamless and efficient borrowing experience.

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

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.

Solution We Offer
  • Off books funding for Corporates

  • On books funding for Corporates

  • Dealer Finance Program

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
  • To Meet Working Capital gaps

  • Enhanced Cash Flow

  • Strengthening Supplier Relationships

  • Expansion and Growth

  • MSMEs or Corporates with Investment Grade (BBB & Above External Rating)

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. 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.

Documentation
  • 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

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.

Solution 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

Why Choose Us
  • 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

Documentation
  • KYC Documents of applicant

  • Last 6 Months Salary Slips

  • Residence Ownership Proof (Aadhaar, Electricity Bill)

  • Application Form

FUEL YOUR BUSINESS GROWTH IN JUST 4 SIMPLE STEPS

1

CHECK
ELIGIBILITY

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

2

CONFIRM THE
LOAN AMOUNT

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

3

UPLOAD YOUR
DOCUMENTS

Speed up approval process. Get closer to your loan goals.

4

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
1800 309 8013

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    OUR HAPPY ENTREPRENEURS

    FREQUENTLY ASKED QUESTIONS

    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.

    WE ARE HERE TO HELP EVERY BUSINESS
    OWNER UNTAP THE POTENTIAL OF THEIR BUSINESS

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