विनियमित एनबीएफसी (Regulated NBFC)सभी पात्र नागरिकस्वीकृति गति: Within 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

एसएमएफजी इंडिया क्रेडिट महिला पर्सनल लोन

SMFG India Credit personal loan for women professionals and entrepreneurs up to ₹25 Lakhs.

ऋण राशि सीमा₹50,000 to ₹25,00,000

ब्याज दर (APR)11.49% - 26.00% p.a. (preferential women pricing)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कUp to 3.00% of loan amount + GST

💳उत्पाद विवरण एवं मुख्य लाभ (Product Overview & Benefits)

उत्पाद का संक्षिप्त विवरण

Tailored personal credit product designed to empower women professionals, entrepreneurs, and salaried employees with preferential interest rates and fast-track processing.

प्रमुख लाभ एवं विशेषताएं

• Concessional interest rate spread for women applicants • Loan amount up to ₹25 Lakhs without collateral • Repayment tenure up to 5 years (60 months) • Fast-track processing and doorstep documentation.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Women salaried professionals or self-employed individuals with regular income. Min Age: 21, Max Age: 60. Min Monthly Income: ₹15,000. Min CIBIL: 700.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 6 months with 4% fee + GST.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address: PAN Card, Aadhaar Card • Income Proof: Last 3 months payslips or 2 years ITR • Bank Statement: Last 6 months bank statement.

⚠️क्या कमी है / महत्वपूर्ण चेतावनियां (Honest Disclosures & Hidden Costs)

• Verifiable independent income source required; housewives without income cannot be primary borrowers. • Foreclosure fee of 4% + GST applies after 6 months. • Processing fee deducted upfront from disbursement.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

1. Open SMFG India Credit App > Women Personal Loan. Select amount and e-sign.

2. नए ग्राहक (ऑनलाइन):

1. Visit smfgindiacredit.com > Women Loan. Submit mobile number, PAN, and link bank statement.

3. बैंक शाखा में जाकर:

1. Visit nearest SMFG India Credit branch with payslips or ITR and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

Do women get interest rate discounts?

Yes, SMFG India Credit offers preferential rate concessions for women borrowers.

Can self-employed women apply?

Yes, women running proprietary businesses or consulting practices with verified ITR are eligible.

What is the maximum tenure?

Up to 60 months (5 years).