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Get access to personal loans at attractive interest rates from 12% p.a. on Bajaj Markets.
Last updated on: Jul 09, 2026
SMFG India Credit, formerly known as Fullerton India, is a leading NBFC in India. On Bajaj Markets, you can get a SMFG India Credit Personal Loan of up to ₹25 Lakhs and repay it in easy EMIs over flexible repayment tenures of 60 months.
Whether you are planning a wedding, organising travel, handling a medical emergency, or consolidating existing debt, an SMFG India Credit Personal Loan can support your financial needs.
Here are the key highlights of the SMFG India Credit Personal Loan to understand the interest rates, loan amount, and repayment tenure on offer.
| Particulars | Details |
|---|---|
Interest Rate |
Starting at 12% p.a. |
Maximum Tenure |
60 months |
Minimum Loan Amount |
₹50,000 |
Maximum Loan Amount |
₹25 Lakhs |
*Disclaimer: The mentioned details are subject to change at the lender's discretion.
Borrow up to ₹25 Lakhs with attractive interest rates starting from 12% p.a. annually.
SMFG India Credit Personal Loans include a few standard charges apart from the interest. Take a look at the details of these fees below:
| Particulars | Details |
|---|---|
Processing fee |
0% - 6% of the loan amount |
Prepayment Charges |
0% to 7%* of the outstanding principal |
Late Payment Charges |
Up to 2% per month of the overdue amount calculated on day to day basis plus applicable taxes |
There are certain foreclosure charges too applied if you choose to repay your loan early. Here is a breakdown of SMFG India Credit Personal Loan foreclosure charges:
| Foreclosure Charges (Basis of fully paid total EMIs) | Interest rate levied |
|---|---|
0 to 6 EMIs |
Foreclosure Not Allowed |
7 to 17 EMIs |
7.00% |
18 to 23 EMIs |
5.00% |
24 to 35 EMIs |
3.00% |
36 or more EMIs |
0.00% |
*Disclaimer: The mentioned charges are subject to change at the lender's discretion.
Here are the key eligibility criteria required to apply for this loan:
Age: 21-60 years
Employment Type: Salaried employee in a private limited company or public sector undertaking
Monthly income:
At least ₹25,000 if you reside in Mumbai/Delhi
₹20,000 if residing elsewhere in India.
Work experience:
1 year at least
6 months experience in the current company if salaried
CIBIL score: 750+
To complete your SMFG India Credit Personal Loan application, make sure to have these documents ready in addition to fulfilling the eligibility terms:
Duly filled and signed application form
Proof of identity - Aadhaar Card/ PAN Card/Voter ID
Proof of address - Passport/Driving License/Utility bills
Proof of age
Salary slips for the last three months
Bank statement for the last six months
Income tax returns or form 16
Applying for a SMFG India Credit Personal Loan online on Bajaj Markets is very simple. Follow these steps and get your loan instantly:
Fill in your personal and employment details
From the list of loan offers, select ‘SMFG India Credit’ to move ahead
Upload the scanned copies of all the required documents
Submit your application and post the approval and verification check; you will get money in your account in 24 hours
At Bajaj Markets, you can apply for a loan amount of up to ₹25 Lakhs. The loan amount eligibility depends on your age, net monthly income, credit score etc.
Get interest rates tailored to your requirements, starting from ₹25 Lakhs. The applicable rate may vary based on factors such as your profile and lender policies.
You can apply for a SMFG India Credit Personal Loan online with minimal documentation. All you need to do is upload soft copies of the documents required from the comfort of your home.
As instant is the approval process, the swifter is the disbursal process. Post the approval of your application and verification of all the documents and details,
you can get the money in your bank account in a matter of hours.
Get all the key SMFG India Credit customer care details, including the customer care number, email ID, and personal loan helpline options, outlined below for easy access:
| Contact Method | Details | Availability |
|---|---|---|
SMFG India Credit Personal Loan Helpline
|
Call the SMFG India Credit customer care number: 1800-103-6001 for any queries related to your personal loan, application status, or repayment support. |
24x7 availability |
SMFG India Credit Email Support |
Write to namaste@smfgindia.com for complaints, service requests, or detailed assistance regarding your loan account. |
24x7 support (responses during business hours) |
Online Grievance / Contact Form |
Visit the SMFG India Credit ‘Contact Us’ section to submit your query by entering your name, mobile number, and issue details. A representative will reach out to assist you. |
24x7 submission (response as per support timelines) |
Note: The contact details mentioned above may be updated by SMFG India Credit from time to time. For the most accurate and latest information, please visit the official SMFG India Credit website or contact their support team directly.
Reviewer
Ans: To get a SMFG India Credit Personal Loan, you can visit the Bajaj Markets website and fill out an application form. You will need to provide relevant documents and meet the eligibility criteria. Once your application is processed and approved, the loan amount will be disbursed to your account.
Ans: To be eligible for an SMFG India Credit Personal Loan, applicants must be 21–60 years old, earn a minimum specified income, have relevant work experience, maintain a credit score of 750 or above, and meet employment or business criteria as per policy.
Ans: You can repay your SMFG India Credit personal loan through various modes, such as auto-debit, post-dated cheques, or online payments. You can set up the auto-debit facility from your bank account to ensure timely repayment. You can also pay using the SMFG India Credit website or mobile app.
Ans: To track your SMFG India Credit Personal Loan status, you can visit their website and login to your account. Alternatively, you can call their customer service number and give your application details to get an update.
Ans: Yes, self-employed individuals may be eligible, subject to meeting the lender’s income, business stability, and policy-related criteria.
Ans: The repayment tenure starts at 12 months and goes up to 60 months.
Ans: The time taken for SMFG India Credit Personal Loan approval varies and can depend on several factors, such as the completeness of the application, documentation, and verification process. Typically, it can take anywhere from a few hours to a few days for loan approval and disbursal.
Ans: Yes, SMFG India Credit checks CIBIL scores as a part of their loan approval process. The CIBIL score is an important factor that determines your creditworthiness and helps Fullerton assess the risk associated with lending.
Ans: You cannot make any part prepayments towards your personal loan from SMFG India Credit. However, you can foreclose your loan after you have paid at least 6 EMIs of your loan.
Ans: Salaried and self-employed individuals between 21 and 60 years of age are eligible to apply. A CIBIL score of 750 or above and a steady income are key criteria for approval.
Ans: Yes, SMFG India Credit is a Reserve Bank of India (RBI)-registered Non-Banking Financial Company (NBFC) and operates in accordance with applicable RBI regulations.
Ans: The interest rate starts at 12% p.a., but the final rate depends on factors like your credit score, income, loan amount, and tenure.
Ans: You can clear your loan by paying all outstanding dues, including any applicable foreclosure or prepayment charges. Contact customer support or log in to the SMFG India Credit portal to initiate the closure process.
Ans: The SMFG India Credit customer care toll-free number for loan queries is 1800 103 6001. Representatives assist with personal, business, or other loan accounts between 9:00 AM and 7:00 PM, Monday through Saturday. Note that this helpline is closed on Sundays, public holidays, and fourth Saturdays.
Ans: SMFG India Credit follows a structured process—raise complaints via SMFG India Credit customer care support, escalate to CCRC, then GRO/PNO, and approach the RBI Ombudsman if unresolved within 30 days.
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