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

Get Instant Personal Loan for Women

Personal loans for women are 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 customised 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 24 hours* or 1 working day*

Get the requested funds in your bank account within 24 hours* or 1 working day* 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

Eligibility Criteria for Personal Loan for Women

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 65 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.

Documents Required for Personal Loan

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

Interest Rates & Fees and Charges

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.

Interest Rate

11.99%* per annum onwards

Loan Amount

Rs. 50,000 to Rs. 25 Lakhs*

Loan Tenure

Up to 60 months

Lowest EMI Per Lakh

Rs. 2,275 for 60 months

Prepayment Charges

0% to 7%*

No hidden Charges

If you’re considering a personal loan for women, here's good news for you! With interest rates starting at just 11.99%* per annum, you can access funds ranging from Rs. 50,000 to Rs. 25 Lakhs* for your diverse needs. The eligibility age ranges from 21 to 60 years, and a CIBIL score of 750 or more enhances your chances of approval.

What's even better? Experience a hassle-free 100% online, paperless application process, ensuring quick and instant approval. Once approved, the funds will be swiftly transferred to your account within 24 hours* or 1 working day*. No hidden charges, minimal processing fees, and flexible tenures make this personal loan a perfect fit for your financial aspirations. Enjoy the convenience of a transparent, quick, and cost-effective solution to your liquidity problems.

What are the Things to Consider Before Taking a Personal Loan For Women?

Here is a list of things to consider before taking a personal loan as a woman:-

  1. Identify Your Capital Needs: It is important to accurately calculate the precise amount of funds necessary to cover personal expenses, whether it be for significant life events such as a wedding, furthering one's education, or making home renovations.
  2. Analyze Savings and Set Loan Amount: To avoid financial strain, evaluate your savings before taking out a loan. This helps you decide the appropriate loan amount that meets your needs. Make an informed decision about the loan that's right for you.
  3. Research Customised Loan Options: You can explore a range of lenders who offer customised personal loans to help you meet your financial needs as a woman. However, before applying, carefully review the selected lenders' eligibility criteria to ensure you qualify for the loan.
  4. Borrow Wisely to Avoid Lengthy EMIs: When borrowing money, it's crucial to exercise caution and resist the temptation to take out more than what's needed. Over-borrowing can lead to a long cycle of EMIs that can be a heavy burden on your finances and cause undue stress.
  5. Strategic EMI Planning and Credit Score Check: Strategize EMIs, and maintain a 750+ credit score for better loan terms. Thoroughly research lenders to avoid surprise charges and make informed borrowing decisions.

How To Apply For Personal Loan For Women? (Step-by-Step Guide)

When you’re applying for a personal loan for women, you’ll have to follow the following steps in order to make the process as simple as possible:

  1. Enter Phone Number and OTP: Start by entering your phone number. You'll receive a One-Time Password (OTP) for verification. Confirm your identity by entering the OTP securely.
  2. Enter Personal Details: Proceed to input your personal details accurately. Include information such as your name, address, date of birth, and other relevant details as required.
  3. Provide Loan Details: Share specifics about the loan you're seeking. Input the desired loan amount, tenure, and purpose to give the lender a clear understanding of your requirements.
  4. Upload Documents: Complete the process by uploading the necessary documents. Ensure you have proof of income, identification, and address readily available for a smooth application.

If you're looking to apply for a personal loan designed for women, the process is simple and hassle-free. Follow these easy steps to complete your application quickly and efficiently. We've tailored the application experience to make it user-friendly and easy to navigate.

Page also available inहिन्दी - Hindi

Nari Shakti Personal Loan for Women

Submit your application in minutes!

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* Please note that loans are disbursed at the sole discretion of SMFG India Credit. Final approval, loan terms and disbursal process will be subject to SMFG India Credit's policy at the time of loan application. If you are an existing customer and wish to foreclose your loan, please note that foreclosure terms and charges will be applicable as per our policy at the time of loan foreclosure.

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Your Calculated EMI*


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