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

Currently in India, there still are plenty of rural and interior cities that are yet to enjoy the privilege of personal loans. One such city is Bhiwadi, located 85 kms from the Alwar city in Rajasthan. Bhiwadi falls under the National Capital Region (NCR). The planned city is currently making enhancements in all aspects and is slowly emerging as an industrial and residential area. Some of its flourishing industries include pharmaceuticals, printing, cable, electronics, and steel.

Since the city is developing at a breakneck pace, many families are now looking for opportunities of growth in terms of earning capacity and lifestyle enhancements. This is easily possible through a personal loan in Bhiwadi. With tons of attractive features, let’s take a glance at the benefits.

Personal Loan In Bhiwadi - Details

A personal loan can significantly change someone’s life and help create a big difference. Regardless of your financial needs, there is so much you can do with a personal loan. Organising a wedding in the family, college admission, or a family vacation; an instant personal loan is a long shot.

Eligibility Criteria for Personal Loan In Bhiwadi

Personal loan eligibility can be summed up as follows:

  1. The applicant should be salaried or self-employed.
  2. He/she must be working in a private or public organisation.
  3. The borrower needs to be a resident Indian
  4. One must have a good CIBIL score, i.e., 750 or above.
  5. The minimum overall work experience required for a personal loan is 1 year, out of which 6 months should be in the current company.
  6. The age limit should lie between 21 and 60 years.

Features of Applying For a Personal Loan In Bhiwadi 

Before applying for a personal loan, one must understand the features and benefits of accessing a loan:

  • The loan amount can range anywhere between INR 50,000 to INR 25 lakh.
  • It requires the least amount of paperwork.
  • You can pay EMI installments easily.
  • You can enjoy quick approval on the loan application.
  • Its hassle-free processing benefit can save time and effort.

Understanding the Interest Rates of a Personal Loan In Bhiwadi In 2023

The interest rates at SMFG India Credit for an instant personal loan for 2023 look like this:

  • The interest rates applicable begin from 11.99% per annum.
  • There is a processing fee of 0-6% of the loan amount.
  • The repayment tenure is stretched across 60 months. 
  • Pre-payment charges can go up to 7%. After 3 years, it is 0%.

Applying for a Personal Loan In Bhiwadi? Take Along These Documents

The mandatory documents required for an easy personal loan in Bhiwadi are: 

  • Identity Proof: An identity proof can be your passport, driving license, PAN Card, etc.
  • Income Proof: Salary slip of the past three months with company logo is essential.
  • Address Proof: Address proof must be as per the electricity bill, passport, telephone bill, and ID card.
  • Age Proof: Your birth certificate, passport, or PAN card, i.e., any document with your DOB printed on it, will work.
  • Job Continuity Proof: An appointment letter or relieving letter works well.


Out of so many options that you might have, you can opt for a personal loan via SMFG India Credit. Although there are several reasons why it is a great choice to make, the primary one is our interest rates. Our instant personal loan interest rates are comparatively reasonable to other banks. You can click here to check them out.

Salaried professionals as well as self-employed individuals can avail a loan up to INR 25 lakh. The relationship managers will walk you through the eligibility criteria and help you calculate the EMI through the personal loan EMI calculator, which will assist you in keeping track of the monthly repayments.

Now, people in cities like Bhiwadi can opt for an instant personal loan through SMFG India Credit, too!

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, C-6 & C-19, RIICO Industrial Area, RIICO Chowk, Bhiwadi, Alwar, Rajasthan - 301019

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).

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