Regulated NBFCAll Eligible Borrowersunsecured

SMFG India Credit Personal Loan for Women

एसएमएफजी इंडिया क्रेडिट महिला पर्सनल लोन

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

Max Loan Amount

₹50,000 to ₹25,00,000

Interest Rate

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

Tenure

12 to 60 months

Processing Fee

Up to 3.00% of loan amount + GST

✦ What It Is: Product Architecture & Regulatory Scope

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

What is Missing: Honest MITC Policy Gaps, Hidden Clauses & Extra Charges

Eligo consumer protection notice: Bank brochures, DSA telecallers, and comparison portals rarely disclose these conditions. Read carefully before signing.

• 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.

✦ Key Benefits & Features

• 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.

✦ Prepayment, Part-Payment & Foreclosure Rules

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

✦ Eligibility Requirements

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

Min Age21 Years

Max Age60 Years

Min Monthly Income₹15,000

Min CIBIL Score700+

✦ Documents Required

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

✦ Exact How-To-Apply Process (3 Pathways)

Depending on your current relationship with the bank, select the corresponding application journey:

Pathway A

Existing / Pre-Approved Customers

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

Pathway B

New Online Applicant (Fresh Digital)

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

Pathway C

Branch Walk-In Application

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

Official Sourcing & MITC Verification

180-Day Re-Verification SLA · Last Verified: 2026-09-28

Eligo does not collect personal loan applications, sell user data to DSA telecallers, or receive affiliate commissions. All terms shown are extracted directly from official bank circulars, Most Important Terms and Conditions (MITC), and Key Fact Statements (KFS) under RBI guidelines.

Visit Official Lender Portal (SMFG India Credit Official Portal)View Official MITC / Schedule of Charges RBI Key Fact Statement (KFS) Reference

Frequently Asked Questions on SMFG India Credit Personal Loan for Women

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).