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

Thiruvananthapuram, the capital of Kerala, is a city that seamlessly intertwines tradition and modernity. Renowned for its cultural richness, it hosts classical arts events and is home to landmarks like the Padmanabhaswamy Temple and the Napier Museum. Beyond its cultural tapestry, the city boasts academic prominence with institutions like the University of Kerala and is a hub for research with the presence of the Indian Space Research Organisation (ISRO). Nestled on the southwest coast, Thiruvananthapuram also offers the serenity of beautiful beaches like Kovalam, making it a compelling blend of heritage, academia, and natural beauty.

Thiruvananthapuram offers a conducive environment for diverse business activities. Entrepreneurs in this vibrant city may seek business loans to fuel growth, enhance operational capabilities, invest in technology, and navigate the dynamic market landscape. Whether for startups, expansions, or addressing immediate financial needs, business loans play a pivotal role in sustaining and advancing enterprises in Thiruvananthapuram's flourishing business ecosystem.

Features And Benefits Of Business Loans In Trivandrum:

Flexible Repayment Options:

Business loans in Trivandrum provide entrepreneurs with the convenience of choosing repayment plans spanning up to 48 months*, ensuring financial ease.

Transparency in Transactions:

Enjoy the freedom to prepay loans without additional charges, fostering financial flexibility for early repayment.

Generous Funding Support:

Access financing up to INR 75 lakhs*, catering to diverse business needs in Trivandrum.

Competitive Interest Rates:

Benefit from attractive interest rates, ensuring a cost-effective source of capital to boost business profitability.

Swift Approval Process:

Recognizing the importance of timely opportunities, small business loans receive approval within 72 hours*.

Simplified Documentation:

Transparent eligibility criteria and minimal paperwork streamline the application process, ensuring a hassle-free experience.

Collateral-Free Approval:

Obtain business loans without pledging personal or business assets, reducing financial risks and enabling stress-free business expansion.

Eligibility Criteria For Business Loans In Trivandrum:

  • Eligibility Criteria: Business loans in Trivandrum are accessible to self-employed individuals, proprietors, partners, or directors of established businesses.
  • Nationality Requirement: Applicants must be Indian residents.
  • Age Range: Candidates should be within the age bracket of 22 to 65 years.
  • Business Performance: The business must exhibit a minimum annual turnover of INR 10 lakhs.
  • Financial Stability: A profit after taxes of INR 2 lakhs per annum is required, emphasising financial robustness.
  • Operational Experience: A minimum of 3 years of operation is necessary, demonstrating stability, experience, and consistent income over the past 2 years.
  • Creditworthiness: Applicants should possess a CIBIL score of 750 or above.

Documents Required For Business Loan In Trivandrum:

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



Recent photograph

A recent passport-sized photograph of the applicant

Valid Identity Proof

Acceptable options include PAN card or Driving Licence

Valid Address Proof

Options include documents like an electricity bill or Passport

Bank statements

Statements reflecting your business's financial transactions

GST or ITR documents

Proof of your business's Goods and Services Tax (GST) registration or Income Tax Returns

Income proofs

Documents that validate your business's income

Proof of Business existence

Documents like Certificate of Incorporation that establish your business's existence

Interest Rates For A Business Loan In Trivandrum:

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



Interest Rate

The lowest and most 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 Business Loans In Trivandrum:

To apply for a business loan in Trivandrum with SMFG India Credit, follow these straightforward steps:

Step 1. Navigate to SMFG India Credit's Official Website: Start by visiting the official website of SMFG India Credit. Navigate to the "Apply Now" section on the page for business loans.

Step 2. Access the Application Form: Once on the designated page, locate and access the business loan application form. This may involve clicking on a specific link or button.

Step 3. Complete the Application Form: Fill in the required details accurately in the online application form. Ensure that all mandatory fields are completed, and provide the necessary information as requested.

Step 4. Upload documents: Attach the necessary documents as specified in the application form. These documents typically include business-related financial statements, identification proofs, and any other documents required for verification.

Step 5. Verification Process: The SMFG India Credit executive team will initiate a comprehensive verification process. This involves validating the information provided in the application and verifying the authenticity of the uploaded documents.

Step 6. Customised Loan Offer: If your application meets the eligibility criteria, you will receive a tailored loan offer outlining the specific terms and conditions of the loan. Review this offer carefully to understand the repayment terms, interest rates, and other relevant details.

Step 7. Loan Disbursement: Upon successful verification and approval by SMFG India Credit, the approved loan amount will be disbursed. The funds will be credited to the bank account you have designated in your application.

By adhering to these steps, you can smoothly complete the business loan application process with SMFG India Credit in Trivandrum.


Empower your business in Trivandrum with SMFG India Credit – your trusted financial partner. Access up to INR 75 lakh* at competitive interest rates, ensuring financial flexibility. Our user-friendly interface streamlines the application process, prioritising your convenience. Seize this opportunity to propel your business forward. Click here to initiate your business loan application and accelerate your growth journey with SMFG India Credit.

*T&C Apply

Apply for Business Loan

Contact Us


Second floor:“ Sitara Tower”, TC No 81/2863, Manorama Road, Near Aristo Junction, Opposite Desabhimani Building, Thampanoor, Trivandrum 695001, 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 do I know if I am eligible to apply for a business loan in Trivandrum?

Business loan eligibility is checked by lenders based on factors such as your CIBIL score, past credit history, tax returns and level of credit utilisation. Complying with these aspects is important because it reflects your creditworthiness.

What are the benefits of opting for an online business loan in Trivandrum?

Availing a business loan through SMFG India Credit offers several advantages:

  • Collateral-free loans.
  • Favourable repayment terms.
  • Seamless online application process.
  • Expedited approval, typically within 72 hours*.
  • Transparent eligibility criteria.
  • Pre-approved options and user-friendly online account management tools.

How can I secure a lower interest rate for my business loan in Trivandrum?

To attain a lower interest rate, consider these tactics: maintain a robust CIBIL score (at least 750), choose reputable lenders, keep a low debt-to-income ratio, involve a co-signer or guarantor for enhanced credibility, and ensure timely repayment to prevent overdue accounts.

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

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