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 30 minutes* 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

Here are the steps to apply for a personal loan with SMFG India Credit:

  1. You can start your application here.
  2. Enter your mobile number, PAN, pincode, and specify whether you are salaried or self-employed.
  3. Use the OTP to verify your mobile and ensure your email ID is verified.
  4. Provide your email address, date of birth, gender, and details about your income.
  5. Review the loan's terms that have been customised for you, especially the amount and repayment terms. When you are satisfied, confirm your acceptance. Consider the option provided to choose a higher loan amount.
  6. Enter employment details if you are a salaried employee.
  7. Complete online verifications for your identity and address. This can be accomplished through well-known methods of CKYC, OKYC, or DigiLocker.
  8. Add your banking information for us to verify. Once done, head to the ‘Additional Details’ section where you need to provide details such as the loan purpose and marital status.
  9. Opt for payment via debit card or internet banking, before completing the eNACH setup.
  10. Sign the agreement digitally after a thorough review and validate it with an OTP.

These simple steps from SMFG India Credit will guide you closer to your financial ambitions.

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

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

Branch Address 4

First Floor, FF- 1 Zodiac Avenue, Opp. Municipal Commissioner's Bunglows, Nr. Law Garden, Ellisbridge, Ahmedabad -380006, 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).