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
Starting from 1.00%* per month.
No additional collateral security is required.
Blue-Collared/ Low-CIBIL Score Employees are also covered
Loan processing within 48 hours.
Options available from 12 months to 36 months.
Collection of both Physical and Digital documents.
Starting from 1.00%* per month.
No additional collateral security is required.
Blue-Collared/ Low-CIBIL Score Employees are also covered
Loan processing within 48 hours.
Options available from 12 months to 36 months.
Collection of both Physical and Digital documents.
Ratnaafin offers personalized loan solutions designed to meet the unique financial needs of corporate professionals.
Corporate personal loans are typically unsecured, meaning you won’t need to pledge assets as collateral.
Use the loan for various purposes, including education, home renovation, travel, medical expenses, or any other personal needs.
Ratnaafin Supply Chain Finance empowers corporate professionals to achieve their personal and financial goals.
We follow transparent and fair practices, ensuring clarity and integrity throughout the loan process.
Choose us for our reputation as a reliable and trusted financial institution, committed to supporting your business growth and success.
Benefit from a dedicated customer support team ready to assist you throughout the loan application and repayment process.
Eligibility typically includes corporate professionals with a minimum income and a good credit score. Ratnaafin assesses each applicant individually, considering factors like income stability and creditworthiness. This program also includes a special feature where Blue-Collared/ Low-CIBIL Score Employees can also access funding.
Interest rates are competitive; however, the actual rate depends on individual circumstances. Ratnaafin offers competitive rates, and your specific rate will be communicated during the application process.
Ratnaafin ensures a quick approval process. Once your application is complete with all necessary documentation, you can expect prompt disbursal of funds, usually within a short period.
No, Ratnaafin Corporate Personal Loans are typically unsecured, meaning they do not require collateral or guarantors, making the application process more straightforward.
There are no restrictions on how you use the loan. You have the flexibility to use the funds for any personal financial need, from travel expenses to medical bills and more.
Ratnaafin's policy on prepayment may vary, but typically, there are no penalties for early repayment. You can pay off the loan ahead of schedule without incurring extra charges.