Ramesham is a new-age NBFC — trusted for four decades — offering personal and business loans with instant decisions, transparent pricing, and zero hidden charges.
Choose your loan
Approved in minutesOur loans
Whether it's a personal milestone or your next business move, choose the path that fits.
Calculate your EMIFund what matters — weddings, education, medical needs, or that big purchase — with quick approval and repayment that flexes to your life.
Fuel your growth — working capital, expansion, or equipment — with financing designed around your business cycle, not against it.
Why Ramesham
State-of-the-art digital processing means decisions in minutes, not days.
Loans designed around your goals — personal milestones or business growth.
Fair, competitive rates with every charge disclosed upfront. No surprises, ever.
Apply, track, and manage — securely, from anywhere, at any time.
How it works
Share a few details in minutes — no paperwork, no branch visit.
A quick, secure KYC and eligibility check.
Receive a transparent offer with clear terms and charges.
Money disbursed straight to your bank account.
Trust & governance
As a Non-Banking Finance Company registered with the Reserve Bank of India (COR No. B-14.00368), we hold ourselves to the highest standards of transparency and fair practice — the same integrity we've carried since 1984.
Fair Practices Code
Available in 9 languages
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Every fee, disclosed
ViewPolicies & Codes
Interest rate & pricing policy
ViewDigital Lending Partners
Our LSPs, per RBI norms
ViewGrievance Redressal
We respond, fast
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How we resolve concerns
ViewOur mission
For four decades, Ramesham has stood for trust in Indian finance. Today, we're bringing that same integrity to digital lending — bridging the gap between opportunity and affordability for the 1.4 billion people of India.
We envision a future where access to credit is equitable and simple: where a personal dream or a business ambition is never held back by paperwork or hidden costs. Powered by technology and grounded in transparency, we make credit accessible — the moment you need it.
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Apply now and get a decision in minutes — transparent terms, no hidden charges.