Terms & Conditions

1. Loan Services

Loans are available for personal, business, and salary-based needs.

Interest rates vary based on loan type and repayment period.

Repayments must be made as per the agreed schedule to avoid penalties.

Late payments may attract additional fees or legal action.

Loan approval is subject to credit assessment and collateral (if required).

We buy gold jewelry, including chains, watches, and rings.

The gold must be authentic and verified before purchase.

Pricing is based on current market rates and item condition.

Once sold, transactions are final, and no returns or refunds will be accepted.

We buy and sell luxurious houses and land.

Sellers can receive 40% of the total property value upfront, with the balance spread over two years.

Payment terms and conditions are subject to agreement and legal documentation.

Properties must have valid ownership documents before transactions.

Buyers and sellers must comply with all regulatory and legal requirements.

Ramani Micro-Credit reserves the right to update terms and conditions at any time.

All transactions are subject to verification and approval.

Fraudulent activities will result in legal action.