विनियमित एनबीएफसी (Regulated NBFC)वेतनभोगी कर्मचारी (Salaried)स्वीकृति गति: Within 24 to 48 hours.सत्यापित: 2026-09-28 (180-दिवसीय SLA)

एसएमएफजी इंडिया क्रेडिट पर्सनल लोन

SMFG India Credit personal loan up to ₹30 Lakhs with extensive Tier 2/3 branch network.

ऋण राशि सीमा₹50,000 to ₹30,00,000

ब्याज दर (APR)11.99% - 28.00% p.a. (risk-grade fixed)

पुनर्भुगतान अवधि12 to 60 months

प्रोसेसिंग शुल्कUp to 3.50% of loan amount + GST

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

उत्पाद का संक्षिप्त विवरण

SMFG India Credit (formerly Fullerton India) offers unsecured personal loans for salaried employees and self-employed individuals across Tier-1, Tier-2, and Tier-3 locations.

प्रमुख लाभ एवं विशेषताएं

• High loan quantum up to ₹30 Lakhs without pledging assets • Deep presence across semi-urban and rural areas • Fast digital processing via SMFG India Credit app • Doorstep document pickup service available.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें एवं आय आवश्यकताएं

Salaried corporate employees with minimum 1 year total work experience. Min Age: 21, Max Age: 60. Min Net Monthly Salary: ₹20,000 (Metro) / ₹15,000 (Non-metro). Min CIBIL: 700.

प्रीपेमेंट एवं फोरक्लोजर नियम (Prepayment & Foreclosure)

Prepayment allowed after 6 months; foreclosure fee of 4% to 5% + GST applies.

📂आवश्यक दस्तावेज (Required Documents)

• Identity & Address Proof: PAN Card, Aadhaar Card • Employment Proof: Employee ID card, appointment letter • Financial Proof: Last 3 months payslips, latest Form 16 • Bank Statement: Last 6 months bank statement showing salary credits.

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

• Foreclosure lock-in of 6 full months. • Steep foreclosure fee of up to 5% + GST on outstanding principal. • High interest rates up to 28% for lower credit score brackets. • Mandatory salary credit verification.

🚀आवेदन के चरण (How to Apply)

1. मौजूदा बैंक ग्राहक:

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

2. नए ग्राहक (ऑनलाइन):

1. Visit smfgindiacredit.com > Personal Loans. Submit mobile number, PAN, and link bank statement via Account Aggregator.

3. बैंक शाखा में जाकर:

1. Visit nearest SMFG India Credit branch with 3 months salary slips, Form 16, and bank statements.

आधिकारिक बैंक पोर्टल पर जाएं आधिकारिक KFS दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What is the maximum loan limit in SMFG India Credit?

Up to ₹30 Lakhs depending on your net monthly salary and credit score.

What is the foreclosure charge?

4% to 5% plus GST on the principal outstanding after the initial 6-month lock-in period.

Can borrowers from non-metro cities apply?

Yes, SMFG India Credit specializes in catering to Tier-2, Tier-3, and rural borrowers.