S. Ramkumar (Ramji),

Fondly called as Ramji, he has 15 Years of Experience in Banking and has occupied Senior Positions in the top two private banks. Ramji has successfully launched and spearheaded various products in Banks with the last few years specialising in Mortgages and Restructuring. Handled big restructuring programs successfully over the years.


S. Ramkumar (Ramji)

“You need to assess yourself on a yearly basis and see how far you have gone and what you still need to work on”

What Our Clients say


Lotus Associates paved the way for us by offering a complete and a comprehensive Restructuring Program. Their Services and promptness in delivering what they commit speaks volumes of their commitment. Best Wishes to Ramji and Team.


Director, Leo Primecomp Pvt Ltd.

When we approached Lotus Associates for our consolidation of Debts, we never expected that the Solution to all our problems would be addressed under one roof. They understood our challenges and created a platform to smoothly conduct our business on a day to day basis without any hassles now. We strongly recommend Lotus Associates for any Restructuring Program, be rest assured you are in Safe Hands.

Anandha Ganesan

Hi tech Polymers.

Here is one firm which listens to you patiently and hand holds you throughout the process. A mild mannered human being and an expert in his core area of operations is what is Ramji and his team Lotus Associates is all about. Great Going and Wish them all Success.


Managing Director, HKM Papers Pvt Ltd.

For all our Financial Needs we have a one stop shop – Lotus Associates. Ramji is one of the most efficient and very committed individual that I have come across with very clear clarity on his approach towards any situation. We wish him and his Team very well and would definitely recommend them blindfolded.


Yasin Impex