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

Bengal boasts of being the third easiest state in the country to do business due to its rich resources, accessible location, and ease of living. This gives rise to a number of business opportunities. SMFG India Credit offers business loans in Kolkata with an array of benefits like attractive interest rates, minimal documentation, speedy processing time, no collateral, and many more. SMFG India Credit offers collateral-free business loans up to Rs 75 Lakhs* at competitive interest rate for a flexible tenure upto 48 months*.

At SMFG India Credit, we understand that the needs of small business owners and offer customized solutions to help you grow your business Choosing SMFG India Credit as your preferred business loan provider in Kolkata helps you with the right kind of financing and support you need for your business with an online application process and a customized web portal as well as a SMFG India Credit InstaLoan app to help you manage your account online from the comfort of your home.

SMFG India Credit Personal Loan offers Business Loan in West Bengal with the following Benefits:

1. Eligibility: 

SMFG India Credit offers business loans to self-employed individuals, proprietors, private limited companies, and partnership firms from all industries. However, as an individual, you need to be associated with the current business for at least 3 years, with a total of 5 years of business experience. 

Your minimum age should be at least 22 years of age and the maximum age 65 years during the time of maturity. 

Companies who have a minimum annual income of Rs. 200,000 per year are eligible. 

Your eligibility will also depend on additional factors like CIBIL score, tax payment records, stability in bank balances, current credit utilization ratio, your employment details, etc.

SMFG India Credit’s business loan eligibility calculator can provide an estimate of how much loan amount you may be eligible for. You just need to enter basic details like your location, age, net annual profit and your current EMIs. You can vary the rate of interest and tenure to get a clearer picture. 

2. Instant Approval:

You will be given an instant decision based on the information you provide in the application form. We believe in having transparent business loan eligibility criteria and minimal documentation requirements so that you can receive your funds in time. SMFG India Credit provides small business loans within 24 - 72 hours*.

3. Simple Documentation:

SMFG India Credit’s documentation for a business loan includes the following from the applicant. Please note that in the case of business entities having more than 1 director/partner, documents for all required parties will be needed:

  • A completed application form with latest passport size photographs
  • PAN / proof of identity
  • Proof of address
  • Bank statements for the last six months
  • Latest ITR

The following documents are required of the business entity:

  • KYC documents (PAN, address proof)
  • Audited financials of the past 2 years
  • Business existence proof such as trade license / establishment / sales tax certificate. 
  • MSME registration certificate (if applicable)
  • GST certificate (as applicable)

There could be a few more documents required depending on the nature of your business, your requirement, and SMFG India Credit’s policy at the time of loan application.

4. Loan Amount:

SMFG India Credit provides collateral-free loans up to Rs. 75 Lakhs*, depending on your eligibility.

If you need a larger loan amount, you can opt for a loan against property for SME.

5. Business Loan EMI Calculator:

A loan EMI calculator helps you plan your monthly outflow constructively in a few minutes. SMFG India Credit’s business loan EMI calculator is extremely easy to use. You have to simply enter your preferred tenure, rate of interest, and total loan amount to know your monthly EMI amount.

*T&C Apply

Apply for Business Loan

Contact Us

Branch Address 1

Second Floor, 53 A, Rafi Ahmed Kidwai Road, Kolkatta, West Bengal - 700016

Branch Address 2

Fourth Floor, Block B, Apeejay House, 15 Part Street, Kolkata - 700 016, West Bengal

Branch Address 3

2nd Floor, 53A, Rafi Ahmed Kidwai Road, Kolkata - 700016.

Note: Call on (Toll free number) 1800 103 6001 for more information.Timings: 9:00 AM to 7:00 PM (except Sundays and public holidays).

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