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

Calculate Personal Loan EMI

12 Months60 Months

Assuming annual interest rate of 11.99

Calculated EMI*   6,642  Apply For Loan

Loans Upto ` 25 Lakh*

Quick Disbursal

Minimal Documentation

Flexible Tenure

Personal Loan In Anand

Anand is a city in Gujarat, located close to Ahmedabad and Vadodara. The famous Amul Dairy has its headquarters in the city, effectively making Anand the ‘milk capital of India.’ It also houses several notable educational institutions and research centers. Both agriculture and industrial activities make up a significant chunk of the city’s economy. With the hustle and bustle of the city, the need to obtain financial assistance has become paramount. Let SMFG India Credit be your trusted partner in this journey. We provide swift personal loans at the tip of your fingertips. Learn more about the benefits and steps to apply for a personal loan in Anand.

Features And Benefits Of Personal Loan In Anand

Paperless Application Process

SMFG India Credit is committed to making things easier for you. Our 100% online paperless loan application procedure is not only rapid and efficient but also provides a seamless experience.

Collateral-free Loans

Apply for unsecured loans easily without worrying about producing collateral, enabling easier access to financial assistance.


SMFG India Credit works hard to protect the privacy and accuracy of your information at all times.

Competitive Interest Rates

We provide affordable interest rates beginning at 11.99%* per annum, allowing you to plan your EMIs with ease.

Quick Loan Repayment

After your loan is approved, loans are credited to your chosen account in less than 30 minutes*.

Adjustable Payback Schedule

Forget worrying about your finances. You can choose a repayment plan for two to sixty months.

Eligibility Criteria For Instant Personal Loan In Anand

Age: Salaried individuals in the age range of 21-60 years and self-employed individuals aged 22-60 years are eligible.

Nationality: Only an Indian citizen is eligible to apply.

Employment Status: You need a minimum of one year of work experience, including at least six months with your current employer. For self-employed individuals, a business history of at least three years is necessary.

Minimum Monthly Pay: A monthly pay of INR 20,000 is the basic requirement for salaried people. If you are self-employed, your qualifying income will be based on annual sales and after-tax profits in line with your industry and field of work.

Documents Required To Apply For A Personal Loan In Anand

Here is a list of essential documents you must keep ready before applying for a personal loan:

Document Type

Salaried Individuals

Self-Employed Individuals

Identity Proof

PAN Card, Aadhaar Card, Driver’s License, Passport, or Voter ID

PAN Card, Aadhaar Card, Driver’s License, Passport, or Voter ID

Compulsory Documents

Coloured passport-size photograph; duly filled loan application form

Coloured passport-size picture; duly filled loan application form

Income Proof

Salary slips for the last three months; form 16 or IT returns

IT returns for the previous two years; IT challans, TDS certificates, or Form 26AS

Proof of Ongoing Employment

Joining letter/Appointment letter from present employer

Utility Bills; Rent Agreement

Residence/Business Proof

Utility bills,Passport,Driver’s License,Voter ID,Rent Agreement,Ration Card, etc.

License, GST number or registration certificate

Interest Rates On Personal Loans In Anand

SMFG India Credit Personal Interest Rates:

Personal Loan Interest Rate

Starting at 11.99%* per annum

Processing Fee

0-6% of the total loan amount

Available Loan Amount

Up to INR 25 lakhs* (for salaried) and up to INR 10 lakhs* (for self-employed)

Tenure of Loan

Up to 5 years

Minimum EMI Per Month

INR 1,112 for 5 years or 60 months

Late Payment Charges

2% plus GST charged monthly (24% per annum) on the overdue amount calculated on day-to-day basis.

Prepayment Expenses


Loan Cancellation Charges

INR 1,000

Cheque/ECS/NACH Dishonoured Charges

INR 300

How To Apply For A Personal Loan In Anand?

Follow these steps to get started with your loan application journey with SMFG India Credit:

  1. Click here to start the loan application process.
  2. Fill in personal details such as your mobile number, PAN, pincode, and employment type.
  3. Authenticate your phone number with the OTP and ensure that your email ID is verified.
  4. Add information like your email address, birth date, gender, and details about your finances and history of employment.
  5. Review the loan's terms, particularly the amount, the repayment schedule, and any fees. Confirm your acceptance upon satisfaction. An option to choose a higher loan amount will also be provided.
  6. Provide employment details if you're receiving a salary.
  7. Complete the digital identity and address verification processes using well-recognised methods such as CKYC, OKYC, or DigiLocker.
  8. Enter the details of your bank account. Once they are verified by us, you need to provide some more information in the ‘Additional Details’ section.
  9. Choose between debit card and internet banking for payment, then finalise setting up eNACH.
  10. Digitally sign the loan agreement after reviewing it and confirm with an OTP.

SMFG India Credit has designed these simple steps to help you advance towards your financial goals.

Apply for Personal Loan

* 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.

Contact Us


First Floor, B S Chamber, Sardar Ganj, Anand - 388001, Gujarat

Note: Call on (Toll free number) 1800 103 6001 for more information.Timings: 9:30 AM to 6:30 PM (except 1st Saturday and Sundays and public holidays).


How is my personal loan in Anand eligibility calculated?

Lenders consider individual factors such as location, monthly income, credit score, and current existing financial obligations to determine your creditworthiness. A loan eligibility calculator is a valuable tool to get clarity on your suitability for a personal loan.

What are the advantages of applying for an online personal loan in Anand?

Applying online for a personal loan offers you several benefits, such as,

  • Availing loan amounts up to INR 25 lakhs*
  • Ease of application
  • Flexible repayment tenures
  • Minimal paperwork
  • Dedicated team of customer service executives
  • Competitive interest rates

How to get a lower interest rate on my personal loan in Anand?

To secure a lower loan interest rate, consider these strategies: maintain a good CIBIL score (at least 750), opt for reputable lenders, minimize your debt-to-income ratio, engage a co-signer or guarantor for added credibility, and ensure timely payment of all debts to avoid overdue accounts.

If I change my employer, will it affect my personal loan or EMI?

Informing your lender regarding new changes is a good practice to maintain transparency at all times. You may be asked to re-evaluate your loan terms and conditions to match your new salary.