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

As a chartered accountant you are great at offering advice, doing audits and creating solutions based on the financial records of your clients. However, if you want to scale your own operations, you may need extra working capital to extend your office premises, expand your team, and much more.

We understand your needs for quick financing and so we are here to offer customised business loans for chartered accountants. Our digital lending processes along with fast disbursals help you expand or consolidate your practice and business at the right time.

Features And Benefits

Loan upto Rs 75 Lakhs*

Unsecured Business Loans up to 75 Lakhs*

Get loans upto 75 Lakhs* through a smooth process.

Quick, hassle-free loan application

Quick, hassle-free loan application

Our loan application process is very simple and can be initiated online

Flexible Repayment Option

Flexible repayment option

Choose a suitable tenure varying upto 48 months*.

No collateral

No collateral*

Business loans for chartered accountants are available without collateral or guarantors*

Minimum Documentation

Minimum documentation

No lengthy paperwork required! We can also pick up your documents from your doorstep.

*Terms and Conditions apply
Page also available inहिन्दी - Hindi

* Please note that loans are disbursed at the sole discretion of SMFG India Credit. Final approval, loan terms and disbursal process will be subject to SMFG India Credit's policy at the time of loan application. If you are an existing customer and wish to foreclose your loan, please note that foreclosure terms and charges will be applicable as per our policy at the time of loan foreclosure.


Is there any age eligibility criterion for me to apply for a Business Loan

You need to be at least 22 years of age to apply for a Business Loan under the 'Self Employed Business Category'. A relaxation of 2 years will be made if you are a non-professional. You cannot exceed 65 years of age at the time of Loan Maturity.

Are there any eligibility criteria that my business entity should meet for me to apply for a loan?

Yes, the annual turnover of your business should be between 10 Lakhs and 100 Crores*. Further, your business needs to be in continuity for the last 3 years showing positive trends in turnover and profit for the last 2 years. Your Income Tax Returns of the last 2 years should reflect taxable income of above 2 Lakhs per annum.

*Should your turnover be above 30 Crores, please refer to the SME Loans section to understand the solutions that are designed for the SME segment.

What is a Business Installment Loan?

Business Installment Loans are the loans, which are used to meet medium term working capital needs.

How can I repay my Business Loan?

You can repay the loan in equal monthly installments (EMIs). The loan can be repaid through post-dated cheques. You can also repay through an ECS mandate to your bank.

What is an EMI?

EMI or 'Equated Monthly Installment' is the convenient monthly amount that you have to service to pay back the loan availed. The EMI consists of both the principal and interest components.

Do I need to hypothecate my assets or provide any other collateral to avail a Business Loan from SMFG India Credit?

You do not need to hypothecate any assets to avail a Business Loan from SMFG India Credit.

What is the maximum loan amount I can avail?

You can avail up to a maximum of ‌‌75 Lakhs*. The amount would be calculated based on your income and other parameters that the SMFG India Credit Relationship Manager will explain.

Can I foreclose or prepay my loan?

Yes, you can repay your loan at any time during the loan tenure.

Is there any advantage that I can get if I have already availed a loan from SMFG India Credit earlier?

Yes, if you are an existing customer of SMFG India Credit, you will get additional benefits in processing time as well as in the interest rate.

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