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

Dehradun, the capital city of Uttarakhand in northern India, is renowned for its picturesque landscapes and pleasant climate. Nestled in the foothills of the Himalayas, the city is surrounded by lush greenery and is a gateway to several prominent hill stations.

In the picturesque city of Dehradun, businesses often seek financial assistance through business loans to fuel their growth and address diverse needs. From expanding operations and enhancing infrastructure to managing day-to-day expenses and embracing technological advancements, these loans play a crucial role. Whether for marketing endeavours or coping with unforeseen challenges, businesses leverage loans to navigate the dynamic landscape of Dehradun's economy, ensuring sustainability and seizing opportunities for prosperity in this vibrant city.

Features And Benefits Of Business Loans In Dehradun:

A business loan in Dehradun comes with several features and benefits tailored to support the unique needs of local entrepreneurs:

Financial Assistance:

Entrepreneurs in Dehradun can easily access funding of up to INR 75 lakhs* for their small businesses, with approval typically granted within 72 hours*.

Streamlined Documentation:

The loan application process is simplified for Dehradun's entrepreneurs, with clear eligibility criteria and minimal paperwork requirements.

Digital Convenience:

Business owners in Dehradun can efficiently manage their loan accounts through user-friendly online platforms and mobile apps, ensuring accessibility across various devices and locations.

Loan Variety:

Dehradun's business community can explore diverse loan options, including pre-approved offers, flexible repayment terms, and the possibility of loan top-ups for personalized financial solutions.

Quick Approval:

The swift loan approval process, often completed within 72 hours*, enables entrepreneurs in Dehradun to seize timely opportunities and foster the growth of their enterprises.

Eligibility Criteria For Business Loans In Dehradun:

  • Eligible Applicants: Individuals eligible to apply for a business loan in Dehradun include self-employed individuals, business proprietors, partners, or directors of established enterprises.
  • Nationality: Applicants need to be Indian citizens.
  • Age Range: Candidates should fall within the age bracket of 22 to 65 years.
  • Business Turnover: The business should exhibit a minimum annual turnover of INR 10 lakhs.
  • Financial Stability: A profit after taxes of INR 2 lakhs per annum is a requirement, indicating financial stability.
  • Business Experience: The business should have been operational for a minimum of 3 years, showcasing stability, experience, and consistent income over the past 2 years.
  • Creditworthiness: Applicants should possess a CIBIL score of 750 or higher.

Documents Required For Business Loan In Dehradun:

Here is a summary of the essential list of documents required for your convenience:

Document Type


Identity Proof

Valid identity proof and PAN Card

Address Proof

Passport, Voter ID Card, Ration card, or Driving License

Bank Statements

Bank Statements for the past 6 months

Income Documents

Most recent two years' Income Tax Returns (ITR), along with the income computation, balance sheet, and profit and loss account for those same two years, following the necessary certification by a Chartered Accountant.

Proof of Continuation

ITR/Trade license/Establishment/Sales Tax Certificate

Other Documents

Sole Proprietorship Declaration or the Partnership Deed, copy of the Memorandum and Articles of Association, authenticated by the company director, and Board resolution.

Interest Rates For A Business Loan In Dehradun :

SMFG India Credit tailors business loans in Dehradun by assessing applicants' credit scores, business turnovers, and financial backgrounds and offering competitive interest rates.



Interest Rate

The interest rates, determined by factors like location, net income, business stability, collateral, and existing monthly obligations, are the lowest and most competitive.

Loan Amount

Up to INR 75 lakhs*

Loan Tenure

Up to 48 months*

Lowest EMI Per Month

Starts at INR 1,341 for a 48-month period

Cheque Dishonoured Charges

INR 300

Proceeding Fees

Up to 6.5% of the Loan Amount

Customer Type

Proprietor / LLP/ Pvt Ltd / Partnership / Public Ltd

Late Payment Charges

2% plus GST charged monthly (24% per annum) on the overdue amount calculated on day-to-day basis.

How To Apply For Business Loans In Dehradun:

To start the process of applying for a business loan in Dehradun with SMFG India Credit, follow these straightforward steps:

Step 1. Online Application: Begin by visiting the official SMFG India Credit website and clicking on the "Apply Now" button in the business loan section.

Step 2. Application Form: Fill in the required details accurately in the online application form, providing essential information about your business, financials, and personal details.

Step 3. Document Submission: Upload necessary documents, including recent photographs, valid identity proof (PAN card or driving license), valid address proof (electricity bill or passport), bank statements, GST or ITR documents, income proofs, and proof of business existence (Certificate of Incorporation).

Step 4. Verification Process: After submission, SMFG India Credit's executive team will verify the details and authenticate your application.

Step 5. Customised Loan Offer: Upon successful verification, receive a personalised loan plan outlining terms, interest rates, and repayment options tailored to your business.

Step 6. Loan Disbursement: After approval, the loan amount will be disbursed to your designated bank account.

SMFG India Credit ensures a smooth and efficient business loan application process in Dehradun, providing timely financial support for your business expansion.


In conclusion, choosing SMFG India Credit for your business loan needs in Dehradun is a decision backed by transparency, efficiency, and financial empowerment. With competitive interest rates, personalised loan offerings, and a swift approval process, SMFG India Credit stands as a reliable partner in fostering your business growth. Seamlessly managing your finances through user-friendly digital access adds an extra layer of convenience. Trust SMFG India Credit for a hassle-free and supportive journey towards achieving your business aspirations in Dehradun. Apply now!

*T&C Apply

Apply for Business Loan

* 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.

Contact Us


2nd Floor, 59/3, Rajpur Road, Dehradun, Uttarakhand - 248 001

Note: Call on (Toll free number) 1800 103 6001 for more information.Timings: 9:30 AM to 6:30 PM (except 1st Saturday and Sundays and public holidays).


How is my eligibility for a business loan in Dehradun determined?

The assessment of your eligibility for a business loan in Dehradun considers factors like location, income, bank balance, debt-to-income ratio, and credit history. Maintaining a credit score of 750 or higher and settling outstanding debts improves your eligibility.

What advantages come with applying for an online business loan in Dehradun?

SMFG India Credit provides competitive interest rates on business loans up to INR 75 lakhs*, ensuring cost-effective capital for local businesses in Dehradun. Transparent eligibility criteria and a simplified documentation process ensure prompt financial assistance tailored to your business's needs.

How can I secure a reduced interest rate on my Dehradun business loan?

Debt refinancing can help lower loan interest rates and alleviate financial pressures. If your business's financial health has improved since obtaining the initial high-interest loans, consolidating debts into a single loan may result in a reduced interest rate, simplifying repayments and improving financial stability.

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