Fullerton India Credit Co. Ltd. is Now SMFG India Credit Co. Ltd.

Calculate Personal Loan EMI

12 Months60 Months

Assuming annual interest rate of 11.99

Calculated EMI*   33,210  Apply For Loan

Loans Upto ` 25 Lakh*

Quick Disbursal

Minimal Documentation

Flexible Tenure

Personal Loan of Rs. 10 Lakh

Personal Loans are that form of financial assistance that you can avail of in case of any unexpected expense which goes over and above your normal expenses. Personal loans are taken by our customers for reasons such as financing wedding expenses, much-desired travel/trip, to pay for the child’s education, any medical emergency, or even for big-ticket purchases of electronic devices, etc., home repairs and even for debt consolidation. 

Benefits of Rs. 10 Lakh Personal Loans:

The Benefits of Personal Loans from SMFG India Credit are:

  • Timely and Accessible – The loan helps our customers to handle periods requiring extra finance with the minimum of stress.
  • Easy Approval for the loans – The process to check personal loan eligibility is very easy and the personal loan eligibility requirements are quite basic and inclusive to a large number of people.
  • Competitive Interest rates – The interest rates are competitive and range between 11.99% - 36.00%. 
  • Flexibility in terms of the loan – You can choose with flexibility - the repayment period or interest rate you prefer, and get a customized loan. The repayment period can vary from 12 months to 60 months. 

Be it financing your child’s higher education, wedding, a business expenditure, or funding emergency medical treatment, SMFG India Credit’s easy and convenient personal loans is the most straightforward way to fulfil your need for short term finance. Now get a personal loan of up to Rs. 10 lakhs from SMFG India Credit at competitive interest rates starting from 11.99%.

SMFG India Credit’s affordable easy monthly instalments make sure that borrowers never miss out on any repayment throughout the designed period. As a matter of fact, you can get an accurate estimate of your monthly installment amount with SMFG India Credit’s easy to use a personal loan EMI calculator. This is a free tool that is available on the SMFG India Credit website.

Rs. 10 Lakh Personal Loan EMI for 1-5 Years Tenure

For Rs 10 lakh personal loan, the EMI amount for 1-year loan tenure at an 11.99% rate of interest per annum is ₹ 88,844. Similarly for two, three, four, and five years loan tenure are ₹47,069, ₹ 33,210, ₹ 26,329, and ₹ 22,239 respectively. You can use the online personal loan calculator to know the EMI amount for loan tenures other than discussed here.

Loan Amount (Rs)

Interest Rate (p.a.)

Tenure (years)

EMI (Rs)

Rs 10 Lakhs












Disclaimer: These are approximate EMI calculations, actual numbers may vary.

Personal Loan Eligibility:

You can check your personal loan eligibility by logging on to the SMFG India Credit personal loan eligibility calculator – wherein you put the details of your city, your monthly income, and your preferred rate of interest and your monthly outgoing EMI’s. This will give you an idea of what kind of loans you will be approved for easily and you can check these details on the personal loan EMI calculator on the site to know the EMI amount before applying.

Personal Loan EMI Calculator:

Our Personal loan EMI calculator can help you for calculating the amount on your 10 lakh personal loan EMI.

We can take an example of a 10 Lakh loan which is a common amount that is much in demand as it is sufficient to satisfy most requirements.




24 months



32 months



48 months



In the Personal loan EMI calculator, you can keep changing the parameters preferred by you till you hit upon your ideal parameters and request those. The company will try its best to accommodate you depending on your credit history and credit risk posed by you.

Factors Influencing the Rate of Interest at SMFG India Credit:

  • Your credit history
  • Your monthly income
  • The loan amount
  • Your fixed monthly obligations including any outstanding loans

As a rule, the lower your credit risk the lower the interest rate offered to you. By responsibly taking loans and returning them on time you can build a good credit history.

Aadhaar Card and PAN Card:

Giving the details of your Aadhaar card and PAN card further simplifies the process of being approved for and getting the personal loan. Once you are approved for a personal loan the amount is transferred quickly into your personal bank account and is ready to be used by you.

Getting a 10 lakh loan from SMFG India Credit is easy and quick and can be the answer to your short term financial woes. Borrowing responsibly allows you to manage your financial expenses while also raising your credit score.

Page also available inहिन्दी - Hindi

Reasons to buy

You can take our personal loan for a variety of reasons.

Wedding Expenses

Wedding Expenses

Higher Studies

Higher Studies

Exotic Vacations

Exotic Vacations




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