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

Meerut is a rapidly growing city in the northern Indian state of Uttar Pradesh, known for its industrial and agricultural sectors. With the increasing cost of living, personal loans in Meerut have become a popular choice for people in need of funds for various personal reasons. These loans are easy to obtain, with minimal documentation requirements, and can be used for expenses such as home renovation, education, or medical bills. SMFG India Credit provides individuals in Meerut with flexible and customized personal loan options to suit their unique financial requirements.

Documents Required For Personal Loan In Meerut

SMFG India Credit requires minimal personal loan paperwork to avail a personal loan in Meerut. Following are the required documents:

  1. Passport-size photographs.
  2. PAN Card, Aadhar Card, Driving Licence, and Passport.
  3. For salaried employees, last two months’ salary slips, and previous 2 months’ income proof if you’re self-employed.
  4. For salaried employees, last 3 months’ account statements of your salary account or current account in case you’re self-employed.
  5. Form 16 and income tax returns proof.
  6. For self-employed individuals: proof of business registration and copy of income tax PAN card.

Eligibility Criteria For Personal Loan In Meerut

The borrower needs to meet the following basic criteria to qualify for a personal loan in Meerut with SMFG India Credit:

  1. The applicant must be a resident Indian. 
  2. The applicant must be between the ages of 21 and 60 at the time of application.
  3. The candidate must have a steady source of income, either from a job or through self-employment, with a monthly income of at least INR 20,000.
  4. The borrower must have a credit score of 750 or higher.
  5. A minimum of one year of experience, with at least six months in the current business, is required. 
  6. You must be a salaried employee of a private limited company, a public sector enterprise, or self-employed with a minimum turnover in accordance with the applicable policy.

How To Apply For A Personal Loan In Meerut?

Here’s how you can apply for a personal loan from SMFG India Credit:

  1. Use this link for loan application initiation.
  2. Input essential details like mobile number, PAN, pincode, and your employment type, i.e., whether you are salaried or self-employed.
  3. Authenticate your mobile with the OTP sent and complete the required verification of your email ID.
  4. Supply additional information including email address, date of birth, gender, income, and work history.
  5. Analyse the loan terms which will include the loan amount, repayment plans, and any fees. Once you are satisfied, confirm acceptance. Consider the option you will be given to go for an increased loan amount.
  6. Provide the relevant employment data if you are working on a salary basis.
  7. Proceed to identity and address verification through recognised digital methods such as CKYC, OKYC, and DigiLocker.
  8. Submit your bank account details which will undergo verification. Fill in the necessary details such as the loan purpose in the 'Additional Details' section after successful verification.
  9. Opt for a payment mode, and proceed to set up eNACH.
  10. Examine, sign digitally, and authenticate the loan agreement with an OTP.

These easy-to-follow steps propel you toward achieving your ambitions with a personal loan from SMFG India Credit.

The Benefits Of A Personal Loan From SMFG India Credit

Some features that are beneficial while considering personal loans in Meerut:

  1. Affordable Personal Loan Interest Rates: Personal Loan interest rates at SMFG India Credit start from about 11.99% per annum.
  2. Comfortable Repayment Tenures: SMFG India Credit offers comfortable repayment tenures ranging up to even 60 months.
  3. Online And Offline Application: You can apply for personal loans in Meerut through online websites and offline branches. 
  4. Minimal Documentation: Apart from identity verification, income proof, and address proof documents, you need not submit any reports for taking up a personal loan.

Different Types of Calculators:

SMFG India Credit offers two personal loan calculators that can assist you in achieving your financial objectives. The personal loan eligibility calculator provides an estimate of the amount you may qualify for, while the personal loan EMI calculator calculates your future monthly payment, enabling you to budget your expenses. The calculators provide this information quickly and are free to use repeatedly.

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


Third Floor, U & V Tower, Plot No:-179, CCS University Road, Mangal Pandey Nagar, Meerut, Uttar Pradesh – 250004

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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