About Us

Ratnaafin is a tech enabled company that provides one stop financial solutions for individuals & MSME's.

Creating an efficient & valuable platform for financial and lending purposes

Ratnaafin is an NBFC into Lending, Insurance Broking, Financial Advisory & other related services that committed to making strong clientele every day and providing smart solutions to the right people. In just three years, Ratnaafin has established nine branches with a base of more than 2500 clients. The company has a committed and specialized team that helps you avail of all kinds of loan services hassle-free.

We work in various sectors, from agricultural finance, small ventures, to corporate loans, and provide worthy expertise to guide and advise our clients on the various lending options.

A transparent and strong base of channel partners has been the major drive force of our success. We aim to deal with various clientele resolving their debt requirements. Ratnaafin is a one-stop company for all debt, loan, and financial guidance and demands.

Our Vision

Our vision is to attain global standards and become a world-class financial solutions enterprise - guided by its purpose to move towards a greater degree of refinement.

Our Mission

Our mission is to build an A-class team and a technology platform that delivers unrivalled services and a whole new hassle-free experience in the field of financial services for our clients.

Providing Growth

Growth is never by mere chance and so a concrete growth strategy becomes a crucial cog when it comes to personal as well as business dynamics. Without growth, the opportunities will get stagnate. Our experts at Ratnaafin have the best interest of aiding our client’s desire to grow, to reinvent their lives business and offer them the opportunities they deserve. With a versatile supply of strategic growth models, we drive our clients towards the best resources, the right contacts, market opportunities and personal aspirations. We have the finest network of professionals and industry experts as our growth partners. With help of them, we guide, individuals and companies achieve their grand vision by setting up a growth strategy in sync with their life stage requirements and creating a balanced system for their effective growth.

Who we are

A complete financial advisory firm with the core target of creating a significant platform to provide growth and value to individuals, enterprises and financial institutions that need proficient access to financial services. With the right contacts and a strong network, we are a one-stop solution that customises and designs a suitable plan that fulfils our clients’ debt and funding requirements at their fingertips.

Core Expertise

Ratnaafin stands as the epitome of expertise that provides its clients world-class trustworthy services. With due diligence, thorough market research and analytical skills of our dedicated professionals, our experts have deepened to embrace financial services.

Company Profile

At Ratnaafin, we maintain the highest standards of client service and professionalism. We provide world-class loans, insurance and financing solutions that help individuals and organizations succeed in the market across the globe.

To ensure effective results for our clients, our experienced professionals have partnered up with the best industry experts. We have conceptualized and implemented the right blend of innovative and cohesive work methodology to offer a holistic range of products and services to help our clients enjoy a pleasant journey while reaching their goals.

Our Team

We firmly believe that our employees are vital assets of our organization. We take pride in our team of exceptionally skilled and qualified team of professionals that have excellent delivery capabilities across various industrial sectors. Our expertise, commitment and innovational vision are the pillars behind our ability to construct the finest level of client care, monetary incentive and long-term gains for every stakeholder. We aim to be the best elevate one another and those we serve. It’s our shared vision, unique perspectives, experiences and abilities that aid us.

Business Directors

Dhaval Patel


Malav Desai


Nilesh Sanghvi


Nishad Shah


Senior Advisors

Ramesh Agrawal

Senior Advisor to Board

Raj Sunil

Senior Advisor to Board

Leadership Team

Anang Pandya

Business Head

Dhwanit Timaniya

Business Head - SME

Kunal Patel

Business Head - Retail

Kunjal Patel

Business Head - Retail

Devanshi karia

Credit Head - Project Finance

Yash Patel

Credit Head - Project Finance

Jeenal Desai

Credit Head - Project Finance

Mihir Dave

Credit Head - Project Finance

Ravi Bhambhani

Business Head - NBFC

Preeti Chaudhary

Product Head - NBFC

Krunal Soni

Underwriting Head - NBFC

Bhavesh Patel

Operations Head - NBFC

Manisha Patel

Principal Officer

Parth Patel

Business Head - General Insurance

Rajdeep Rashtrapal

Regional Head - General Insurance

Anuj Gandhi

Regional Head - General Insurance

Maulik Shah

Regional Head - Corporate Accounts

Hari Tiwari

Area Head - Agency (Mumbai)

Naresh Singh

Area Head - Agency (Telangana)

Chirag Trivedi

State Head - Life Insurance

Birju Patel

Area Head -Cross Sell (Life Insurance)

Sunil Panchal

Business Partner (UK)

Kunal Shah

VP - Finance & Accounts

Sheetal Thadani

VP - Branding & Process

Ashok Gayakwad

DVP - HR & Admin

Harshil Shah

Company Secretary

Nikesh Patel

Regional Head - BIU

Dipen Desai

Regional Head - Contact Centre

Deepak Asnani

Regional Head - Alternate channel

Our Core Values

At the core of our endeavours, we place significant emphasis on cultivating values and sustaining a long term relationship with our clients, employees, partners and communities that are the pillars of our organization. We believe that infusing our corporate strategies with great values is crucial for ensuring effective solutions for the unique requirements of our diverse clientele. It is our core values that has helped us transform into a dynamic financial advisory company.




Client Centric

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