Ram Fincorp was founded in 1984 as a Delhi-based lending house, at a time when a personal loan meant a conversation across a desk, a set of physical documents, and a manager who signed off on the file personally. That branch-level judgment — look at the applicant's actual repayment capacity, not just a score — is still how the company underwrites today.
Today Ram Fincorp operates as an RBI-registered non-banking financial company (NBFC), disbursing in the range of ₹500–1,000 crore annually across salaried, self-employed, top-up, and debt-consolidation personal loans, with a staff of 250-plus handling applications, verification, and servicing.
The company was founded by Bharat Soni and Ram Karan Soni, who established the lending practice that the current underwriting model is built on.
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