Kundan Finance

Kundan Finance : Lite offers a fast, easy, and tension-free borrowing experience, ensuring instant loan disbursal at your fingertips. We not only provide quickest possible disbursals but also offer low-interest rates. Your loan amount will be credited to your bank account within 30 minutes through us—your trusted RBI-registered NBFC.

Kundan Finance: Lite is a loan facilitation platform powered by Ram Fincorp.

At Kundan Finance : Lite, we offer affordable interest rates with a minimal risk profile. Our commitment is to ensure that our borrowers do not face any unnecessary financial burden due to hefty interest rates.

As the world moves towards digital banking, many financial products—especially personal loans—still require physical interactions. To bridge this gap, we have developed a full-stack digital solution, enabling a completely online personal loan process. No more waiting in long queues—now, you can apply for a personal loan anytime, anywhere!

Our Mission

We aim to build a one-of-a-kind, effortless loan platform that makes borrowing simple, quick, and affordable. Our goal is to provide customers with instant access to funds without complexities, ensuring a seamless experience every step of the way.

LOAN MODEL

Kundan Finance: Lite provides personal loans ranging from INR 5,000 to INR 2,00,000 based on your requirement

Loan Amount: - 5,000 to 2,00,000

Interest Rate: - Up to 35% per annum

APR: 35% MAX

Age: - 21 to 55 years

Late payment fee - as applicable (Charged only, if repayment is delayed)

Processing Fee: - Up to 5%

Loan tenure: - 90 days to 365 days

Pre-closure charges – As applicable

Sample Loan Calculation

Loan amount: ₹ 30,000 at interest rate of 30% p.a.

Loan Duration: 3 Months

Total personal loan interest = ₹ 2,250

Processing fees (PF) + GST = ₹ 500 + ₹ 90 = ₹ 590

Total Deductibles (PF + GST): ₹ 590

In-Hand Amount: Loan Amount - Total Deductibles = ₹ 30,000 - 590 = ₹ 29,410

Total repayable Amount (Loan Amount + Interest): ₹ 32,250

Monthly EMI Repayable (Loan Amount + Interest / No of EMI's): ₹ 10,750

PF + GST are deducted upfront during the loan disbursal.

Note : This example provides an estimated breakdown of the loan structure. Actual figures may vary based on individual eligibility and terms.

Advantages of Kundan Finance : Lite

Customised Personal Loan – Tailored loan solutions to meet your needs.

Secure Data System – Advanced encryption ensures data security.

Instant Approval & Disbursal – Quick processing with minimal wait time.

Transparent Process – No hidden charges, clear terms.

Flexible Repayment Options – Easy repayment plans for convenience.

Minimal Documentation – Hassle-free application with simple paperwork.

Eligibility & Required Documents

✔ Eligibility:

Individuals with a minimum monthly income of ₹15,000.

Indian residents/citizens aged 21 years and above.

✔ Required Documents:

PAN Card & Aadhaar Card

Salary Slips (Last 3 months)

Bank Statement (Salary Account – 3/6 months)

Address Proof

Security & Privacy Policy

We prioritise the security of our customers' information with a highly secure and encrypted system.

Read our Privacy Policy here: https://www.kundanfinance.com/privacypolicy

Terms & Conditions

Kundan Finance : Lite is a unit of R.K. Bansal Finance Private Limited (NBFC), registered with the RBI.

For detailed Terms & Conditions, visit: https://www.kundanfinance.com/conditions

Contact Information

📞 Contact Number: +91 9899985495

📧 Email: info@kundanfinance.com

🌐 Website:https://www.kundanfinance.com/

🏢 Registered & Corporate Office:

4338, Padam Singh Road, Karol Bagh, New Delhi - 110005