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


Residents of Delhi enjoy an extraordinary lifestyle given their access to a large number of high-end and world-class facilities in the city. It is the national capital of the country which is home to many of the world’s top companies and industries. Therefore, it can be assumed that Delhi is a haven for all the job seekers, entrepreneurs and businesspersons. If you need monetary assistance for your business, and are looking for a business loan in Delhi, we at SMFG India Credit offer our services and the opportunity to be your financial partner.

  • At SMFG India Credit, we provide collateral free funds to small and mid-sized businesses up to Rs. 75 Lakhs* with tenures up to 48 months*.
  • Business loans more than Rs. 75 Lakhs* will need to be secured against property. Please visit our LAP for SMEs page to know more.
  • The funds can be used to meet business requirements such as working capital, start-up cost, marketing expense, office expansion, purchase of inventory or equipment, and any other relevant needs.

Documents & Eligibility

Below provided is a list of documents to apply for a small business loan in Delhi:

  • To evaluate your financial position, we need bank statements for the last 6 months.
  • A valid copy of the PAN card and identity proof is mandatory for an individual, firm, or company.
  • For proof of business existence and continuation, you can submit the Trade license/ITR/Sales tax certificate/proof of establishment.
  • You can submit your Passport/Driving license/Ration Card/Voter ID card as address proof.
  • Some other documents include the certified copy of the Partnership Deed or Sole proprietorship declaration, and / or certified true copy of the Memorandum & Articles of Association if applicable. The latter should be certified by the company Director and the Board resolution.
  • We will also need income documents including the balance sheet, the latest Income Tax Return with the computation of income, and Profit and Loss Account for the last 2 years. The financial statements require a CA certification.

Below-listed is the eligibility criteria for an unsecured business loan in Delhi:

  • We offer a business loan for self-employed individuals, private limited companies, proprietors, and partnership forms working in the manufacturing, trading, or services sector.
  • The minimum age limit is 22 years for individual applicants. These applicants should be less than 65 years of age at the time of the loan’s maturity.
  • Individual applicants must exhibit at least 3 years of experience in the current business. The minimum number of years in business experience should be at least 5 years.

Minimum Income

The enterprises that seek the funds should have a minimum annual turnover of Rs. 10 lakhs. The enterprises must also have a proven track record of profits at least for the last 2 years. Also, the enterprises should have a minimal annual income (ITR) of at least Rs. 2 lakh per annum.

SMFG India Credit Business Loan Interest Rates

The rate of interest is minimal. We determine the applicable interest rate based on your location, business stability, net income, annual turnover and profit, current financial position, business vintage, existing monthly obligations, and other factors. With the details such as the loan tenure, amount, and interest rate, you can understand the monthly instalments to pay with the help of the business loan EMI calculator on our website. This financial tool is accessible free-of-cost and offers accurate results.

How to Apply for a Business Loan in Delhi?

You can rely on us as a trusted business loan provider in Delhi that offers you a flexible amount of funds and tenure for repayment. Apply for Business Loan with us is easy. You can drop an online application by scrolling on the top-hand right side of the webpage. Click ‘Apply now’ and complete the loan application steps. You will have to upload the soft-copy of the necessary documents, so keep them handy.

  • We are also just a call away on email ( ) and a toll-free number (1800 103 6001) for any queries.
  • You can also visit us at your nearest SMFG India Credit branch to apply for the loan.
  • You may carry the original and copy of the required documents and your recent passport-sized photograph to make the loan application in our branch.
  • We will be happy to explain to you the business loan deals in detail and help you with the loan application procedure.

*T&C Apply

* 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


Second & Third Floor, WZ 115A, Meenakshi Garden, Near Subhash Nagar Metro Station, Tilak Nagar, New Delhi 110018

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).

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