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 Gujarat

The wealthiest state of India, Gujarat, is well known for its vibrancy, culture, and heritage. Presently, this state is witnessing rapid growth with new industrialisation initiatives. It is a very tourist-friendly state, offering a treat with beautiful landmarks, temples, and palaces.

The state is a melting pot of traditions, celebrated through festivals like Navratri and the International Kite Festival. The state is an industrial powerhouse, housing key industries such as petrochemicals and textiles. Its vibrant cities, like Ahmedabad, Vadodara, and Surat, blend modernity with tradition, making Gujarat a go-to destination for both business and tourism. In the midst of this dynamic environment, personal loans in Gujarat emerge as a financial ally for individuals navigating the pathways of their dreams and ambitions. Let's explore the features, eligibility criteria, documentation requirements, and application process to avail personal loans in Gujarat with ease.

Features And Benefits Of Personal Loan In Gujarat

Online Application Process

SMFG India Credit believes in simplifying things for you. Our 100% paperless loan application process makes it easy for you to apply from anywhere at any time.

Collateral-free Loans

Parting with your assets, even temporarily, can be a bit stressful. As personal loans are unsecured, you no longer have to worry about offering collateral for security.


Your data's confidentiality and integrity are paramount to SMFG India Credit, with stringent measures in place to maintain its safety consistently.

Competitive Rates of Interest

Our personal loan interest rates begin at a comfortable 11.99%* per annum, allowing you to set your EMIs stress-free.

Speedy Loan Payout

Quick loan disbursal within 24 hours* or 1 working day* of approval.

Flexible Repayment Schedule

Tailor your repayment schedule anytime between 2 and 60 months without stressing your finances.

Eligibility Criteria For Instant Personal Loan In Gujarat

  • Age Requirement: Applicants should fall in the age range of 21-60 years (salaried) or 22-60 years (self-employed).
  • Nationality: Indian residents are eligible for this loan.
  • Work Experience:

    For Salaried Individuals: One year of work experience, including a minimum of 6 months with the current employer.

    For Self-Employed Individuals: Requires at least three years of operational experience.

  • Minimum Monthly Income:

    For Salaried: A monthly salary of INR 20,000.

    For Self-employed: Minimum income is determined by considering annual sales and post-tax profits.

Documents Required To Apply For A Personal Loan In Gujarat

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

Document Type

Salaried Personnel

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 photograph, 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 certificate,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

How To Apply For A Personal Loan In Gujrat

Applying for a loan is no longer a complicated procedure. Follow these simple steps to apply for a personal loan in Gujrat

Step 1: Open the portal for personal loan applications. Add your contact details.

Step 2: Provide important details such as DOB, qualification, address, etc. Do remember to avoid making any mistakes while filling out the form.

Step 3: Select ‘salaried’ or ‘self-employed’ as your current work status.

Step 4: Add details about your bank account.

Step 5: Upload digital copies of your documents, such as ID proof, income proof, bank statements, etc.

Step 6: Click ‘submit’, after which your details will be sent to customer service.

Step 7: An associate will contact you to guide you further.

Step 8: Once the lending institution is satisfied with the details provided, the loan amount will be credited as soon as possible.

Apply for Personal Loan

Contact Us

Branch Address 1

A-302, A-303, A-304, A-305, A-306 & B-306, Third Floor, Amrapali Lakeview, Opp. Vastrapur Lake, Vastrapur, Ahmedabad, Gujarat 380015

Branch Address 2

First & Second Floor, Above Ishvariya Amul Parlour, Near HDFC Bank, Ishvariya Main Road, Rajkot - 360006, Gujarat

Branch Address 3

Office No. 319,320,321,322, The city Center, 3rd Floor, Raiya Road, Rajkot - 360007, Gujarat

Note: Call on (Toll free number) 1800 103 6001 for more information.Timings: 9:00 AM to 7:00 PM (except Sundays and public holidays).