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

Set in the vibrant landscape of Rajasthan, Jodhpur is a city steeped in history, celebrated for its grand palaces, bustling markets, and burgeoning industrial sector. In this ever-changing business milieu, the need for financial support is pivotal for local entrepreneurs and businesses aspiring to thrive. This article is your guide to the world of business loans in Jodhpur, offering you the knowledge and insights needed to make informed decisions concerning your financial requirements. Our aim is to equip you with a comprehensive understanding of the business loan landscape in Jodhpur, empowering you to take charge of your financial future.

Features And Benefits Of Business Loans In Jodhpur

No Collateral Required

SMFG India Credit's business loans are unsecured, which means that no collateral is required to secure this loan.

Flexible Repayment

Business loans in Jodhpur offer flexible repayment terms, allowing businesses to align payment schedules with cash flow.

Online Application

The application for a business loan can be easily made online through the user-friendly and robust dashboard.

Financial Backing

You can secure swift and easily accessible financing of up to INR 75 lakhs for small businesses which can be obtained within 72 hours* thanks to the transparent eligibility criteria and minimal documentation requirements.

Customized Solutions

You can explore pre-approved offers to meet your capital needs and request a higher loan top-up with a flexible repayment tenure of up to 48 months to match your preferences.

Eligibility Criteria For Business Loans In Jodhpur

Eligibility for the loan can be calculated here.

  • Age: The applicant must be between 22 and 65 years old.
  • Employment Status: The applicant must be a self-employed individual with their own business/ a proprietor, partner, or director of existing businesses.
  • Nationality: The applicant must be a resident Indian.
  • Turnover And Profits Of The Business: The minimum annual turnover of the business must be INR 10 lakhs per annum and have a profit after taxes of INR 2 lakhs per annum.
  • Business Experience: Applicants are required to demonstrate a minimum operational history of 3 years and a track record of consistent income and profits over the last 2 years.
  • Credit Score: To be eligible for a business loan in Jodhpur, the applicant must have a credit score of 750 or above.

Eligibility for the loan can be calculated here.

Documents For Business Loan In Jodhpur

To avail a business loan in Jodhpur, the applicant needs to submit the following required documents:

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 Jodhpur

SMFG Credit tailors business loans in Jodhpur with interest rates that are personalized to individual profiles.



Interest Rate

The most minimum and competitive interest rates will be calculated based on several factors (location, net income, business stability, collateral, and existing monthly obligations)

Loan Amount

Upto INR 75 lakhs*

Loan Tenure

Upto 48 months*

Lowest EMI Per Month

Starting from INR 1,341 for 48 months

Cheque Dishonoured Charges

INR 300

Proceeding Fees

Upto 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 A Business Loan In Jodhpur

Step 1: Go to SMFG India Credit's Apply Now page. Fill in the required details and upload all the necessary documents.

Step 2: Provide the requested personal and financial information in the application form.

Step 3: Upon entering your information, you will be promptly informed if your application will proceed to the next stage.

Step 4: Your loan application will undergo several stages of verification, including document validation and physical address verification.

Step 5: If eligible, a tailored loan offer with the loan amount and applicable interest rate will be provided.

Step 6: Following approval, the loan amount will be disbursed directly to your designated bank account.

Please note that terms and conditions apply, and an SMFG India Credit representative may contact you for additional details.


When you encounter a need for financial support, SMFG India Credit is your ultimate destination for fulfilling your business loan requirements in Jodhpur. Our services are crafted for quick and seamless fund disbursal, catering to a wide range of financial needs. Additionally, our online EMI calculator empowers you to proactively estimate your EMIs, offering transparency in your repayment schedule.

In summary, SMFG India Credit is your dependable ally in acquiring business loans in Jodhpur, providing fast, adaptable, and trustworthy business loans.

*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

Branch Address 1

Ground Floor, Plot No:-57, Gali No:-27, BJS Colony, Jodhpur, Rajasthan - 342001

Branch Address 2

Plot no 6A, First Floor, Ratanara, Jodhpur - 342003

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 business loan in Jodhpur eligibility calculated?

Your business loan eligibility is calculated based on your overall credit history, with a strong credit score of 750 and above ensuring all your financial dues are cleared on time.

What are the advantages of applying for an online business loan in Jodhpur?

SMFG India Credit provides collateral-free business loans with flexible repayment terms and easy online applications. Pre-approved offers and online account management enhance the borrowing experience. Borrowers can secure up to INR 75 lakh swiftly, often within 72 hours*, thanks to transparent eligibility criteria.

How to get a lower interest rate on my business loan in Jodhpur?

Your geographical location, net income, the stability of your business, the presence of collateral, and your current monthly financial obligations all play essential roles in securing a more favorable interest rate for your business loan in Jodhpur.

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