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

Nestled in the vibrant surroundings of Kerala, Thrissur is a city renowned for its rich cultural heritage, bustling markets, and burgeoning industrial sector. In this ever-changing world, the need for financial support is crucial for local entrepreneurs and businesses striving to thrive. Let us guide you through the world of business loans in Thrissur, providing you with the knowledge and insights needed to make informed decisions concerning your financial requirements. We aim to equip you with a comprehensive understanding of the business loan landscape in Thrissur, empowering you to take charge of your financial future.

Features And Benefits Of Business Loans In Thrissur:

100% Online Application:

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

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 Thrissur offered by SMFG India Credit offer flexible repayment terms, allowing businesses to align payment schedules with cash flow.

Financial Backing :

You can secure swift and easily accessible financing of up to INR 75 lakhs* for small businesses. This 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 Thrissur:

  • 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.
  • Business Turnover: The minimum annual turnover of the business must be
  • 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 Thrissur, the applicant must have a credit score of 750 or above.

Further eligibility for the loan can be calculated here.

Documents For Business Loan In Thrissur:

To avail of a business loan in Thrissur, 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 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 Thrissur:

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



Interest Rate

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

Delayed EMI Payment Interest

24% per annum on outstanding balances that are overdue, calculated on a day-to-day basis.

How To Apply For A Business Loan In Thrissur:

Step 1: visit 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. An SMFG India Credit representative may contact you for additional details.


When you find yourself in need of financial support, turn to SMFG India Credit as your ultimate destination for fulfilling your business loan requirements in Thrissur. Our services are meticulously crafted for swift and seamless fund disbursement, catering to a diverse range of financial needs. Estimate your EMI using our online EMI calculator ensuring transparency in your repayment schedule. SMFG India Credit provides business loans in Thrissur, providing fast, adaptable, and trustworthy financial solutions. Apply for a business loan with us today!

*T&C Apply

Apply for Business Loan

Contact Us


1st Floor, Presidency Shopping Complex, Off MG Road, Poothole, Thrissur - 680004, Kerala

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).


How is my business loan in Thrissur eligibility calculated?

Your eligibility for a business loan in Thrissur 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 Thrissur?

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 Thrissur?

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.

* Terms and conditions apply
** Subject to foreclosure charges. Terms and conditions applicable.

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