A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 2013, having a certificate of Registration from the Reserve Bank of India, engaged in the business of loans and advances, acquisition of shares, stock, bonds, hire-purchase insurance business or chit-fund business, but does not include any institution whose principal business is that of agriculture, industrial activity, purchase or sale of any goods (other than securities) or providing any services and sale/purchase/construction of immovable property.

Ramaiah Capital Private Limited has a certificate of Registration issued by the Reserve Bank of India (RBI)* as Non-banking Financial Company( Non Deposit taking) and hence comes under the purview of RBI regulations

• Option 1- Visit ramaiahcapital.com and Click on “Apply Now” button and submit application and upload documents online.
• Option 2- Contact us at info@ramaihcapital.com or call 080- 23519708/09 - our representative will reach out to you.
• Option 3- You can also visit our office and we shall help you in the required process.
• Option 4- You can down load the application form from our website www.ramaiahcapital.com fill up the same enclose documents required and submit to our office or call our representative to collect it.

• Salaried persons aged between 21 and 60 years professionals and self -employed people up to 70 years.
• Minimum credit bureau score of 600
• Minimum monthly salary of Rs 20,000.
• Confirmed employee in service for minimum of one year
• Meeting the Company rating criteria
• Serviceable- Location Bangalore.

• Application form
• Photographs
• Proof of Identity.
• Proof of Address
• Proof of business/profession for non salaried
• Proof of Income
• Bank account statement of last six months
• Salary slip for last three months

12 Months to 60 months depending on your repaying capacity.

Rate of interest rate depends on credit score and borrowers financial profile. Interest rates and charges are clearly made known to borrowers in a transparent manner

t depends of applicants Income and Fixed obligation to income ratio (FOIR) ( which includes your existing liabilities). Higher income and lower debt obligation will improve the quantum of loan made available

You can get from Rs. 20 thousand to Rs 5 lakhs.

It is absolutely safe. All your sensitive information, which are personal, financial or related to employment are encrypted. We will not share your information with any marketing agencies or tele-callers who will call to sell you other products. Our systems have been designed such that most of the steps are automated.

It typically takes approximately 24 to 48 hours from time of application submission with all required documents for the funds to be transferred into your account. However loan disbursals might take longer depending on receipt of documents, your response time etc.

No , however if you provide a guarantor your credit rating will improve and you have chances of getting lower rate of interest.

We obtain NACH Mandates/PDC , Post NACH Activation auto debit from account will happen.

There are 4 recognized credit information companies that will track your credit scores. If you do not pay repay or delay your payment, we will report it to these agencies which will lower credit score and getting credit facility from Financial Institutions will become difficult. In short, please do not borrow money if you think you cannot pay your EMIs on time and restrict your borrowing to your ability to repay

Yes, you can pre close the loan however pre closure charges will be applicable.

Please contact us at info@ramaiahcapital.com or call us at 080 23519708/09

Any customer or member of public can approach the Grievance redressal officer / the principal Nodal officer of the company under the RBIs Integrated Ombudsman Scheme 2021 whose contact details are provided below for resolution of any complaints/grievances against the Company.

A.Sridhara Murthy
Chief Executive officer
Ramaiah Capital Private limited
No 4/A,”Reshma” 80 feet Road, Ashwathnagar
Bangalore 560094
Tel: 080 23529714
E mail: smurthy@ramaiahcapital.com
Email: complaints@ramaihcapital.com

If the complaint / dispute is not redressed within a period of one month, the customer may appeal to the Officer-in-Charge of the Reserve Bank of India whose contact details are provided below.

Smt. Jayasree Gopalan
Chief General Manager & RBI ombudsman
C/o Reserve Bank of India
Bengaluru -560 001
STD Code: 080
Tel. No. 22277660/22180221
Email: crpc@rbi.org.in