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

Kochi, an important city on the west coast of India is popularly called the ‘Queen of the Arabian Sea’. Kochi has been the spice trading center of our country for years. Kochi is the financial, commercial, and industrial capital of Kerala. You also get to enjoy excellent coffee in Kochi. SMFG India Credit is happy to be present in Kochi, offering its services. SMFG India Credit’s personal loan in Kochi provides multiple benefits like ease in processing, quick approvals, simple documentation, and many more. These benefits make a personal loan in Kochi a very convenient experience for you. Our personal loans are collateral-free and we offer complete transparency.

SMFG India Credit Personal Loan in Kochi offers Special Benefits:

  1. Personal loan in Kochi up to INR 25,00,000 
  2. Attractive personal loan interest rate starting as low as 11.99% per annum
  3. Flexible repayment tenure that is between 12 months to 60 months

Documents Required for Personal Loan:

SMFG India Credit’s personal loan documentation in Kochi is simple and easy to understand. You can apply for a SMFG India Credit personal loan online or offline. If you are applying online, you can keep the scanned copies of the documents handy for uploading. You need the following documents:

  1. PAN and Identity proof 
  2. Address proof
  3. Bank statements for the past 6 months

As a salaried individual, you need to also submit the following documents:

  1. Salary slips for the last three months 
  2. Office address proof

As a self-employed individual, you need to also submit the following documents:

  1. Income proof / financial statements
  2. Proof of income and expenditure document
  3. Proof of business existence
  4. Please note that depending on your profile and our policy, additional documents may be requested.

Simple Eligibility Criteria for Personal Loan:

For a SMFG India Credit personal loan, you need to be between 21 to 60 years of age. Your monthly salary should be at least INR 20,000. Also, you need to be working in the current organization for at least 6 months, with a minimum work experience of 1 year. As a self employed individual, you need to have a specific minimum yearly profit after tax as per the laid-out procedure. If you have a history of credit transactions, you must have a CIBIL score of 750 or higher to be eligible for a personal loan. Those with no credit history can also apply.

Instant Personal Loan:

On submission of your forms, the processing is done at a quick speed along with verification checks and loan agreement execution. The required funds are credited to your registered bank account shortly after final approval. 
Personal Loan Online at your Convenience:  

SMFG India Credit proudly provides an easy online application procedure. The online application is hassle-free and makes the processing of SMFG India Credit personal loans enjoyable. If you choose to apply online, then you have to click on the ‘Apply Now' button. First, you then need to fill up the application form. Then you need to enter details like the amount and tenure. Next, you need to upload the listed documents as per applicability. And then finally submit the transaction for processing. After checking your eligibility and information, there could be further documentation that could be asked from you. Once the final approval is done, the approved funds are transferred into your bank account. If you decide to apply offline, then you can visit the nearest branch of SMFG India Credit. Our SMFG India Credit care representatives there will take you through the seamless offline personal loan application process.

Types of Personal Loan Calculators:

SMFG India Credit offers 2 personal loan calculators. These personal loan calculators are extremely helpful to you inefficient financial planning.

  1. Personal Loan Eligibility Calculator: Personal loan eligibility calculator gives an estimate of the loan amount that you may be eligible for. Once you get an idea of that amount, you can plan your loan better.
  2. Personal Loan EMI Calculator: Personal loan EMI calculator gives you your future monthly outflow. This helps you in planning your monthly budget. 

You can get the EMI and eligibility details in just a few seconds after keying in some basic details on the calculators. 

Apply for Personal Loan

Page also available inहिन्दी - Hindi

* 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


Second Floor, Door No.42/3406, Civli Land Road, Palarivattom, Cochin, Kerala - 682024

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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