Avail Instant Personal Loans ✓ Loan up to 50 Lakhs ✓ Quick Disbursal ✓ Minimum Documentation! Apply Now

A SmartCoin Personal Loan is a simple and cost-effective solution to meet any planned or unplanned financial obligations. You can use this loan at your discretion as there are no end-use restrictions.

Be it to fund your travel plans, home renovation or even for debt consolidation, the SmartCoin Personal Loan is an affordable choice.

Apply for a SmartCoin Personal Loan of up to Rs. ₹1 Lakh today at Bajaj Markets.

SmartCoin Personal Loan Details

Interest Rate

2%-2.50% per month

Processing Fee

Based on applicant's profile

Loan Amount Range

Up to ₹1 Lakhs

Maximum Loan tenure

9 Months

Disbursal Time

5 to 10 minutes

Disclaimer: Rates and terms mentioned are subject to change at the lender’s discretion.

SmartCoin Personal loan EMI Calculator

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SmartCoin Personal Loan Interest Rates

SmartCoin’s loan interest rates can range anywhere from 2% to 2.5% per month. Personal loan interest rates are usually decided on a case-to-case basis by factoring in several factors such as:

  • Income levels

  • Credit score

  • Loan amount

  • Age

  • Employment status

SmartCoin Personal Loan Eligibility Criteria

Here are the key personal loan eligibility criteria that you will need to meet in order to qualify for a SmartCoin Personal Loan:

  • Applicants must be salaried individuals

  • Applicants must be between the age of 24 and 45

  • Applicants must earn a monthly income should be above ₹20,000


Please note: Even self-employed individuals can apply for the loan, they must be between 24 and 45 years and have a monthly income above Rs. 25000

SmartCoin Personal Loan Documents Required

Here’s what you need to get started with your SmartCoin Personal Loan application process.

  • ID proof - Aadhaar card or PAN card. 
  • Current address proof - Aadhaar card or Utility bills like gas, electricity etc. 

Features and Benefits of the SmartCoin Personal Loan

Loan Amount

Loan Amount

You can get a personal loan of anywhere from ₹1,000 to ₹1 Lakh.
Quick Processing

Quick Processing

Thanks to an end-to-end digital process, SmartCoin Personal Loan applications are processed very quickly. Once your application is approved and verified, your loan amount is transferred to your bank account within no time.
Flexible Repayment Tenure

Flexible Repayment Tenures

SmartCoin allows you to repay your personal loan over a flexible repayment period, ranging from 2 to 9 months.
Minimal Documentation

Minimal Documentation

You only need a proof of identity to get started with your SmartCoin Personal Loan application.
No Collateral Required

No Collateral Required

SmartCoin Personal Loans are collateral-free, this means that you need not submit any security or collateral documents to get this loan.
Personalised Offers

Personalised Offers

SmartCoin offers personalised loans, based on your financial goals and needs.

Know How SmartCoin Personal Loans Can Help You

A SmartCoin Personal Loan can help you meet your liquidity needs without any hassles. These loans can get disbursed in as little as 5 to 10 minutes and you only need your identity documents to get started.


This makes SmartCoin a viable lender, helping you meet any planned or unplanned financial obligations. From medical emergencies to debt consolidation, here’s how a SmartCoin Personal Loan can help with:

1. Vacation Plans

Lack of funds need not come in the way of your travel plans. Whether you’re celebrating your birthday, wedding anniversary, graduation or just looking to take a much-needed break, finance your dream vacation with ease.

2. Wedding Plans

As the cost of weddings continues to climb steadily, it is difficult for young couples to plan a day of their dreams. Many dip into their savings or emergency funds to handle wedding expenses. This may not be a financially prudent decision. Instead, you can opt for a personal loan that you can repay at your convenience.

3. Emergency Expenses

Many are often caught completely unprepared during emergencies. In this situation, a SmartCoin Personal Loan can prove helpful, as you can avail a collateral-free personal loan with a quick processing timeline.

4. Home Remodelling

Homeowners can take a personal loan to help pay for home upgradation or complete necessary repairs. Unlike with a home loan or a home renovation loan, you need not pledge your home as a collateral in order to get this loan.

Read More

How to Apply for SmartCoin Personal Loan?

You can apply for a SmartCoin Personal Loan on Bajaj Markets by following these simple steps:

  • Click on the ‘Apply Now’ option on this page.

  • Enter required personal details such as age, name, income, etc and check for an offer.

  • Choose ‘SmartCoin’ from the list of lending partners.

  • Enter your preferred loan amount and repayment tenure.

  • Enter the loan amount and repayment tenure of your preference.

  • Once the verification process is completed, your application will be approved and the loan amount will be transferred to your bank account.

Apply for a Personbal Loan Now

Comparison of SmartCoin’s Personal Loan Interest Rates with Partner Lenders

Here’s a table showing the interest rates offered by partner lenders on Bajaj Markets to help you compare.

Partner Lenders

Interest Rate

Bajaj Finance Limited

13.5% Onwards

Axis Bank

10.49% Onwards

PaySense Partners

14% Onwards


14% Onwards


30% Onwards


15% Onwards

SMFG India Credit

12% Onwards

Muthoot Finance

14.50% Onwards

Prefr Partners

21% Onwards

YES Bank

10.99% Onwards


24% Onwards

IIFL Finance

18% Onwards


21% Onwards


1.5% p.m. Onwards

L&T Financial Services

11% p.a. Onwards


15.95% p.a. onwards

Disclaimer: Interest rates mentioned above are subject to change at the financial institution’s discretion.

SmartCoin Personal Loan Customer Care Details

You can connect with SmartCoin’s dedicated customer care team in case of any queries. Here’s how you can contact them:

  • Send an email to: help@smartcoin.co.in

  • Call on: +91-9148 380504

FAQs on the SmartCoin Personal Loan

The minimum loan amount that you can borrow from SmartCoin is ₹1,000.

You need a minimum income of ₹20,000 to qualify for a SmartCoin Personal Loan.

The SmartCoin Personal Loan comes with no end-use restrictions. This means that you can use your loan amount as you please to meet any financial obligation.

Once approved, your loan amount will be disbursed in five to ten minutes.

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