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

We have exclusively created features to suit your lifestyle. We understand you and strive to ensure that as our elite client, all your goals are fulfilled at the fastest with maximum ease. Partner with us today, and enjoy a range of benefits designed exclusively for elite finance.

Features And Benefits


Instant Online Approval

Check your loan eligibility, fill a simple form online, upload documents and get instant approval!


Special Preference

Special preferences await you at every step of availing your loan.


Doorstep Services

Though you can access everything online, opt for our doorstep service for documents pickup / delivery.


Best-in-class Interest Rates

Attractive interest rates start as low as 11.99% onwards*


Money disbursed in 72 hours

Get the requested funds in your bank account within 72 hours* after loan approval.

*Terms and Conditions Apply

Eligibility Criteria for Elite Customers

If you are earning a minimum of ₹ 75,000 per month, you fall under the category ‘Elite’ as per our policy. As an elite customer, you can get a minimum loan amount of ₹ 8 lakhs and a maximum loan amount of ₹ 25 lakhs. To be eligible for a personal loan, you should be under 60 years of age and have a good CIBIL score of at least 750. Furthermore, if you are salaried, you should be working in the current position for at least the last six months.

Personal Loan Interest Rates for Elite Customers

At SMFG India Credit, as an elite customer, you can get personal loan with the interest rates as low as 11.99% per annum. The actual interest rate charged depends upon your credit score, existing relationship with us, the total loan amount and tenure, and the nature of your work. A loan processing fee of up to 3% of the loan amount may also be applied.

Personal Loan Interest Rate In India - Dec 2023

Personal Loan Interest Rate

11.99% to 36%

Processing Fee

Up to 3% of loan amount

Loan Tenure

Up to 60 months

Lowest EMI Per Lakh

₹2,275 for 60 months

Prepayment Charges

0% to 7%*

To know more, please see our personal loan interest rates, fees and charges page.

Documents Required for Elite Customers

Documents required for personal loans include:

  • KYC documents such as driving license, Aadhaar card, and voter ID card
  • Last 2 months’ salary slips (for salaried) or income proof (in you have an independent practice)
  • Last 3 months’ bank account statements of your salary account (for salaried) or current account (in you have an independent practice)

For more details, check our documentation for personal loans page.

Personal Loan for Elite

Submit your application in minutes!

Apply now


Who comes under Elite Customer?

As per current policy, any customer with a monthly income of at least ₹75,000 is categorized as an elite customer.

How much time it will take to get the Loan Amount?

If all the documents are available, the loan for our elite customers is disbursed within 72 hours of the loan application being filed.

What if my monthly salary is less than 75,000? Am I not Eligible to Take Loan?

At SMFG India Credit, we offer personal loans starting at 11.99% to any resident Indian over the age of 21 at the time of loan application and a maximum of 65 years at the time of loan maturity; and with a monthly income of at least ₹20,000 (₹25,000 for residents of Mumbai and Delhi). Click on the Apply Now button on this page, if you would like to apply for a personal loan.

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

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