All Types of Loans - Ranajifinance
Ranajifinance — Loan Services

All Types of Loans
Under One Roof

Personal, Home, Business, Vehicle, Gold, Education, OD/CC and all Government Scheme Loans — get expert guidance and fast approval from Ranajifinance.

PL

Personal Loan

Instant Approval

A Personal Loan is an unsecured loan that can be used for any personal financial need — medical emergency, travel, wedding, home renovation, or debt consolidation. At Ranajifinance, we help you get the best personal loan rates from top banks and NBFCs with minimal documentation and fast disbursal.

Loan Amount
₹50K – ₹50L
Interest Rate
10.5% p.a.
Tenure
1 – 5 Years
Processing
24 – 48 Hrs
No collateral or security required
Minimal documentation process
Flexible repayment tenure
Use for any personal purpose
Salaried & self-employed eligible
Competitive interest rates
Documents Required
Aadhaar Card
PAN Card
3 Month Bank Statement
Salary Slips / ITR
Address Proof
Passport Photo
Apply for Personal Loan
BL

Business Loan

For Enterprises

A Business Loan helps entrepreneurs and business owners fund working capital, purchase equipment, expand operations, or manage cash flow gaps. Whether you run a small shop, a manufacturing unit, or a service business, Ranajifinance connects you with the best business loan offers from leading banks.

Loan Amount
₹1L – ₹2 Cr
Interest Rate
12% p.a. onwards
Tenure
1 – 7 Years
Processing
48 – 72 Hrs
Unsecured & secured options available
Suitable for SMEs, MSMEs, startups
Working capital & term loan options
Quick approval from 30+ banks
Overdraft facility available
Customized repayment schedule
Documents Required
Aadhaar & PAN Card
6 Month Bank Statement
ITR 2 Years
Business Proof / GST
Balance Sheet
Address Proof
Apply for Business Loan
HL

Home Loan

Lowest Rates

A Home Loan helps you purchase your dream home, construct a new house, renovate an existing property, or transfer an existing home loan at a better rate. Ranajifinance offers home loans at the most competitive interest rates from top banks and housing finance companies across India.

Loan Amount
₹5L – ₹5 Cr
Interest Rate
8.5% p.a. onwards
Tenure
Up to 30 Years
Processing
5 – 7 Days
Purchase, construction & renovation
Up to 90% of property value funded
Balance transfer facility available
Tax benefit under Section 80C & 24B
Salaried & self-employed eligible
Longest tenure — up to 30 years
Documents Required
Aadhaar & PAN Card
6 Month Bank Statement
ITR / Salary Slips
Property Documents
Sale Agreement
Passport Photos
Apply for Home Loan
LAP

Loan Against Property

High Loan Value

Loan Against Property (LAP) allows you to unlock the value of your residential or commercial property to meet large financial needs — business expansion, medical expenses, education, or debt consolidation. It offers higher loan amounts at lower interest rates compared to personal loans.

Loan Amount
₹10L – ₹10 Cr
Interest Rate
9.5% p.a. onwards
Tenure
Up to 15 Years
LTV Ratio
Up to 70%
Residential & commercial property accepted
Lower interest than personal loans
Continue using your property
Loan up to 70% of market value
Used for any financial purpose
Flexible repayment options
Documents Required
Aadhaar & PAN Card
12 Month Bank Statement
Property Title Deed
Property Valuation Report
ITR 2 Years
NOC if applicable
Apply for LAP
Used Car

Used Car Loan

Pre-Owned Vehicles

A Used Car Loan helps you finance the purchase of a pre-owned or second-hand vehicle at affordable EMIs. Ranajifinance assists you in getting fast approval from multiple lenders with the best rates for any certified pre-owned car, regardless of brand or model.

Loan Amount
₹1L – ₹25L
Interest Rate
13% p.a. onwards
Tenure
1 – 5 Years
Financing
Up to 85% value
Finance any make or model
Quick approval within 48 hours
Up to 85% of vehicle value funded
Flexible EMI options
Minimal documentation
Vehicle up to 10 years old eligible
Documents Required
Aadhaar & PAN Card
3 Month Bank Statement
Salary Slips / ITR
RC Book (Seller's)
Sale Agreement
Insurance Papers
Apply for Used Car Loan
New Car

New Car Loan

Best Rates

Drive home your dream new car with an affordable New Car Loan from Ranajifinance. We partner with leading banks and NBFCs to offer you the lowest interest rates, fastest approval, and highest financing on new vehicles — all brands and models covered.

Loan Amount
₹2L – ₹1 Cr
Interest Rate
7.5% p.a. onwards
Tenure
1 – 7 Years
Financing
Up to 100%
Finance up to 100% of ex-showroom price
All car brands & models covered
Instant in-principle approval
No prepayment charges (select banks)
Flexible EMI & tenure options
Salaried & self-employed eligible
Documents Required
Aadhaar & PAN Card
3 Month Bank Statement
Salary Slips / ITR
Address Proof
Proforma Invoice
Passport Photos
Apply for New Car Loan
IL

Instant Loan

Same Day Disbursal

An Instant Loan provides rapid financial assistance for urgent needs — medical emergencies, urgent travel, or unexpected expenses. Ranajifinance ensures quick eligibility check, minimal documentation, and same-day or next-day disbursal directly to your bank account.

Loan Amount
₹10K – ₹10L
Interest Rate
15% p.a. onwards
Tenure
3 – 24 Months
Disbursal
Same Day
Same day or next day disbursal
Minimal documentation
No collateral required
Available for urgent needs
100% digital process
CIBIL score check not mandatory
Documents Required
Aadhaar Card
PAN Card
3 Month Bank Statement
Selfie / Photo
Apply for Instant Loan
EL

Education Loan

For Students

An Education Loan helps students fund higher education — whether in India or abroad. Ranajifinance provides education loans for undergraduate, postgraduate, professional, and technical courses at competitive rates, ensuring no financial barrier stops your child's dream education.

Loan Amount
Up to ₹1.5 Cr
Interest Rate
9% p.a. onwards
Repayment
After course + 1yr
Coverage
India & Abroad
Covers tuition + living + equipment costs
Moratorium period during study
Tax benefit under Section 80E
India & international universities
Repayment starts after completion
Govt subsidy schemes available
Documents Required
Student & Co-applicant ID
Admission Letter
Fee Structure
Parent's Bank Statement
Mark Sheets / Certificates
Address Proof
Apply for Education Loan
GL

Gold Loan

Fastest Disbursal

A Gold Loan lets you pledge your gold jewellery or coins as collateral to get immediate funds. It is one of the fastest and easiest loans available — no income proof required, minimal formalities, and disbursal within hours. Ideal for short-term financial needs.

Loan Amount
₹10K – ₹50L
Interest Rate
9% p.a. onwards
Tenure
3 – 36 Months
Disbursal
Within Hours
No income proof required
Loan in just a few hours
Up to 75% of gold value
Safe & secure gold storage
Any purpose — no restriction
Bullet repayment option
Documents Required
Aadhaar Card
PAN Card
Gold Jewellery / Coins
Address Proof
Passport Photo
Apply for Gold Loan
OD / CC

OD / CC Loan

Revolving Credit

Overdraft (OD) and Cash Credit (CC) are revolving credit facilities for businesses to manage short-term working capital requirements. You pay interest only on the amount used. Ranajifinance helps businesses secure OD/CC limits from top banks quickly and efficiently.

Credit Limit
₹5L – ₹5 Cr
Interest Rate
Only on used amount
Type
Revolving Facility
Renewal
Annual Basis
Pay interest only on utilized amount
Withdraw & repay as needed
Ideal for working capital needs
Secured & unsecured options
Renewed annually by bank
Best for seasonal businesses
Documents Required
Aadhaar & PAN Card
12 Month Bank Statement
ITR 3 Years
Business Registration
Balance Sheet
Stock Statement (if CC)
Apply for OD / CC Loan
GSL

Government Scheme Loans

Subsidized Rates

Government Scheme Loans are specially designed loan programs by the Government of India to support entrepreneurs, small businesses, farmers, women, and economically weaker sections. These include PM Mudra Loan, PMEGP, Stand-Up India, MSME Loans, PM SVANidhi, and more — with subsidized rates and easy eligibility.

Loan Amount
₹10K – ₹2 Cr
Interest Rate
Subsidized / Low
Tenure
3 – 7 Years
Guarantee
Govt Backed
PM Mudra Loan (Shishu / Kishore / Tarun)
PMEGP — up to ₹50L subsidy
Stand-Up India for SC/ST & Women
MSME & Startup India loans
PM SVANidhi for street vendors
KCC (Kisan Credit Card) for farmers
Documents Required
Aadhaar & PAN Card
Business Proof / Udyam
Bank Statement
Project Report (for PMEGP)
Address & Caste Proof
Passport Photos
Apply for Govt Scheme Loan

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