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

Travel refreshes us to reset and gear up for the next step in life. It helps to get to know yourself better, introduce calm in your hectic schedule, empower you to create memories to cherish with family and friends.

Our personal loan for holiday helps you cover all your travel expenses whether you are a solo traveller or planning a family vacation. With our travel loans, visit your dream destination anywhere in the world without having to worry about the immediate finances. The loan can be used to cover all your travel expenses like airfares, hotel fees, purchasing travel gear and other accessories, and even funding a tour package.

Features And Benefits

Instant Online Approval

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

Online Account Access

Online Account Access

Customised portal to help you manage your travel loan anytime, anywhere.

Money Disbursal

Money disbursed in 72 hours*

Get the requested funds in your account within 72 hours* after your holiday loan is approved.

Loan up to `25 Lakhs

Get up to `25 lakhs* with flexible repayment tenures ranging from 12 to 60 months

*Terms and Conditions Apply

Travel Loan Eligibility Criteria

SMFG India Credit offers personal loan for holiday to all resident citizens of India who are between the ages of 21 years and 60 years. You can avail the loan regardless of whether you are a salaried employee or a self-employed person. The minimum monthly income for residents of Mumbai and Delhi is ₹25,000 and ₹20,000 for residents of all other locations. If you are self-employed, a minimum annual profit after tax will be considered instead. Please click here to know more.

Travel Loan Interest Rates

With SMFG India Credit, you can get a personal loan for travel for as low an interest rate as 11.99%* per annum. Remember that the interest rate you are charged depends on your credit score, existing relationship with us, the total loan amount and tenure, and the nature of your occupation. Therefore, ensure that you service all your current debts on time to enjoy a better interest rate. Furthermore,  a processing fee of up to 3% of the loan amount is also levied. Here are some of the key features of our personal loans

Personal Loan Interest Rates  - Dec 2023

Personal Loan Interest Rate

11.99% to 36% per annum

Processing Fee

Up to 3% of the loan amount

Loan Tenure

Up to 60 months

Lowest EMI Per Lakh

₹ 2,275 for 60 months

Prepayment Charges

0% to 7%*


How to Apply for Travel Loan

To apply for a personal loan for travel, all you have to do is to click on the Apply Now button and provide the requested personal, financial and employment details. Based on the loan amount and tenure you opt for, the loan will get instant online approval. Our representative will reach out to you to collect the required personal loan documents, and the loan amount will be disbursed within 24 hours of the verification. Here are the steps for an instant personal loan application with SMFG India Credit:

  • Step 1: Click on Apply Now on the top right of this page. Then, perform OTP verification of your mobile number
  • Step 2: Fill in personal, employment, income and bank details
  • Step 3: Select the loan amount and tenure that you require
  • Step 4: Upload documents as requested
  • Step 5: Submit
  • Step 6: Within a minute, you will be informed if your loan application will be taken up for further processing. If yes, you will be provided with a tracking number.
  • Step 7: Our representative will get in touch with you for any additional information/verification.
  • Step 8: Post verification of all information and documents, you will be provided with an offer. Upon acceptance, your loan will be sanctioned.
  • Step 9: Amount is disbursed to your bank account.

You can also choose to apply for the loan through our  SMFG India Credit Instaloan app, or reach out to any SMFG India Credit branch near you for our representatives to guide you through the application process.

Page also available inहिन्दी - Hindi
12 Months60 Months

Your Calculated EMI*



How do travel loans work?

Travel loan offered by SMFG India Credit is an open-ended, unsecured personal loan that you can use to meet any of your travel-related expenses. You can repay the loan through pre-agreed upon monthly EMI payments within 12 - 60 months. Upon loan approval, the amount will be disbursed into your bank account in Indian Rupees. If you are planning on a foreign destination, you can get in touch with your bank to convert the amount into the required currency.

Am I eligible for a Holiday Loan?

To be eligible for a holiday loan, you must be a resident citizen of India and of at least 21 years of age. Further, you must be gainfully employed with a minimum monthly income of ₹20,000 (₹25,000 for residents of Mumbai and Delhi). If you are self-employed, the annual profit after tax would be considered instead. You should also have the required documentation. Please note that loan sanction is subject to verification of all information provided as well as documents.

What is the tenure of an instant travel loan?

The tenure of an instant travel loan can be between 12 and 60 months.

What are the repayment terms and conditions of the travel loans?

The loan has to be repaid through monthly EMIs. If you miss an EMI payment, an additional interest of 2% per month is charged on the delayed EMI, calculated on a daily basis. You can choose to foreclose the loan after the first six months at nominal charges.

How long does it take to get a travel loan?

Subject to the document verification process, the loan is disbursed within 24-72 hours of instant online approval.

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

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