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

Get Instant Personal Loan for Women

Personal loan for women is designed to fulfil your dreams. SMFG India Credit gives you financial freedom by offering collateral-free personal loans at attractive rates starting at 11.99% per annum. This customized solution takes you closer to fulfilling your dreams by taking care of your financial requirements with a host of benefits and privileges.

Features And Benefits


Instant Online Approval

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

Online Account Access

From application to approval, all our processes are online. Your loan details are always at your fingertips.


Money disbursed in 72 hours*

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


Preferential Interest Rates

We support your every dream, so we ensure that you enjoy preferential interest rates.

No collateral required*

Get your loan without providing any collateral*

*Terms and Conditions Apply

Personal Loan Eligibility

Here are the basic eligibility criteria for a women’s personal loan:

  • The age of the personal loan applicant must be between 21 years and 60 years. 
  • The applicant should either be a salaried employee (working in a private limited company or public sector undertaking) or should be self-employed (with a minimum turnover equivalent to the current policy)
  • If the loan applicant is from Mumbai or Delhi, the minimum salary should be Rs 25,000 per month. However, if the loan applicant is from anywhere else in India, the minimum salary should be Rs 20,000 per month.
  • If the loan applicant is self-employed, then the minimum annual profit after tax (which is determined on the basis of the industry) is considered. 
  • Salaried loan applicants need to have at least 1 year of work experience, with at least 6 months in the current organisation. 
  • Good credit history and score 

Note: Please note that actual eligibility will depend on a number of other factors including SMFG India Credit’s policy at the time of loan application. 

Fees and Charges for Personal Loan for Women

Be it planning a big life event or facing an unexpected expense, SMFG India Credit’s personal loan for women is designed to help you manage your short-term financial needs in a stress-free manner. This is exactly the reason why we have put a lot of thought into making our personal loans affordable by offering them at competitive interest rates. 

We have built relationships of trust throughout our years of serving our customers with transparent and fair processes. We always believe in sharing the personal loan for women fees and charges applicable to our clients upfront.

Personal Loan Documents

  • Personal loan documentation is very easy and hassle free to arrange. Here are some of the basic documents needed:
  • KYC documents (ID and Address proof) like PAN and Aadhaar, driver’s license, etc. 
  • Past 6 months bank statements
  • 3 months salary slips and Form 16 (for salaried applicants). 
  • Income statements and financials (for self employed / business owners) 

You can upload these when you apply for a personal loan online

How to Apply for Personal Loan

You can apply for a personal loan online by filling up the form and uploading the documents. The loan amount would be credited to your bank account within 24 hours of your loan application getting approved, subject to successful verification checks and loan approval. You can track the status of your loan application online.

Page also available inहिन्दी - Hindi

Nari Shakti Personal Loan for Women

Submit your application in minutes!

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How can housewives get a personal loan?

Housewives who have their own small business can apply for a personal loan for self employed. In case they need a larger amount, they can add a working member of their family with a stable income and good credit score as a co-applicant. However, they may not be able to get a personal loan on their own if they do not have a fixed source of income.

What is the minimum and maximum amount of loan housewives can get?

The minimum and maximum amount of loan that housewives can get varies from lender to lender. A lot depends on the earning potential of the guarantor or co-guarantor, their credit profile, past loan repayments that will be taken into consideration when the lender vets the loan application.

What is the minimum income required to get a personal loan for women?

Women applying for a personal loan at SMFG India Credit must have a minimum monthly salary of Rs 25,000 if located in Delhi or Mumbai. For women located in the rest of India, the minimum income requirement is Rs 20,000 per month.

How long does it take to get a personal loan for women approved?

SMFG India Credit requires some time to verify the personal loan application for women and vet the documents submitted. If the application, paperwork, and the creditworthiness of the woman applicant is established, then SMFG India Credit will approve the loan and disburse the funds within 72 hours.

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

12 Months60 Months

Your Calculated EMI*


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