Personal Loan in Kolkata

Bengal boasts of being the third best state in the country in terms of ease of doing business. This is mainly because Kolkata has great resources such as a convenient location, and an affordable cost of living. This leads to umpteen number of business opportunities. SMFG India Credit offers Personal loans in Kolkata with many benefits like minimal documentation and processing time and attractive interest rates.

A SMFG India Credit Personal Loan adds value to your financial decisions by offering the best solution. Some of the benefits are attractive personal loan interest rates, flexible repayment tenures, end to end digital processing, and many more. SMFG India Credit Personal Loan aims at meeting your financial requirements including urgent and unexpected expenses and medical contingencies. SMFG India Credit offers up to Rs. 25,00,000* at attractive interest rates starting from as low as 11.99%.

Benefits of Personal Loan in Kolkata

SMFG India Credit Personal Loans offers a personal loan in Kolkata with the following benefits:

1. Instant Approval: SMFG India Credit Personal Loan offers instant personal loan online. When you apply online, you will be instantly given a decision based on which your application will be processed further. We make sure that our approvals are quick and that the required loan amount is disbursed to your bank account within a few hours of loan approval.
2. Easy Eligibility: SMFG India Credit Personal Loan is offered to salaried individuals as well as self-employed individuals between 21 to 60 years of age. Salaried individuals must be earning Rs. 20,000 per month. Whereas, eligibility of self-employed is assessed based on minimum yearly profit after tax set depending on the kind of profession or industry.
3. Repayment Tenure: You can easily repay your loan within tenures from 12 months to 60 months. This can be done through cheques or an automated ECS facility.
4. Simple Documentation:
   SMFG India Credit needs basic personal loan documents which include the following
   • Proof of identity (PAN Card)
   • Proof of address (like Aadhaar card or any other valid address proof)
   • Salary slips for the last three months (for salaried)
   • Bank statement for the last six months
   • Income tax returns or form 16
   • Proof of Income / financial statements (for self-employed)   
5. Loan Amount: We offer collateral free or unsecured loans upto Rs 25,00,000.
6. Ease of Application: You can apply for a personal loan online from the safety and comfort of your home.

How to Apply for a SMFG India Credit Personal Loan in Kolkata?

You can apply for a personal loan online in 4 steps:

1. Start by clicking on the ‘Apply Now’ button. 
2. Fill up the form with all the details and specify the amount and tenure. 
3. Upload the requested documents
4. Click on “Submit”  

You will be informed of your eligibility based on the information provided in the form. If yes, your application will be processed further. After successful verification of all the information and documents, your loan gets approved and the funds will be credited to your account within a few hours*. 

Alternatively, we also welcome you to visit any of our branches in Kolkata - our representatives will be happy to guide you through the application process.

Personal Loan Eligibility Calculator

Personal loan eligibility depends on your disposable income as well as your net obligations, credit history & score, etc. Other factors are your age, repayment capacity, etc. Use our personal loan eligibility calculator today to get an estimate of the maximum loan amount you can apply for.

Personal Loan EMI Calculator

SMFG India Credit’s personal loan EMI calculator can provide you with a near complete clarity on your monthly outflow. You can enter basic details like loan amount, repayment tenure, and rate of interest to estimate your monthly EMI amount.

Apply today and take one more step towards happiness.

Apply for Personal Loan   Calculate Your EMI