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


Patiala, the princely state of Punjab is full of color and vibrancy. It is a rich city thriving on major agricultural crops like wheat, maize, paddy, barley, and sugarcane. The Patiala textile industry is also popular for ‘Phulkari’, a treasured embroidery style of India. SMFG India Credit offers personal loans in Patiala to eligible applicants up to INR 25 lakhs* at attractive interest rates.  You can consider taking a  personal loan for any reason. It could be to meet emergencies, renovate a home,  or even fund a family event. SMFG India Credit personal loans offer customers the benefits of quick processing, instant decisioning, and minimal documentation. SMFG India Credit’s collateral-free personal loans come with complete transparency.

SMFG India Credit Personal Loan in Patiala offers Special Benefits:

  1. Personal loan in Patiala up to INR 25,00,000 depending on the applicant’s eligibility
  2. Attractive personal loan interest rates start as low as 11.99% per annum
  3. Flexible repayment tenure between 12 months to 60 months
  4. Minimal documentation

Easy Documents Required for a Personal Loan:

At SMFG India Credit, personal loan requirements are simple and easy to understand. A SMFG India Credit personal loan can be applied for online. Online application is easy and extremely convenient. If you are applying online, it is advisable to keep the scanned copies of the personal loan documentation handy for uploading. You will need to arrange the following documents:

  • PAN 
  • Address proof
  • Bank statements of 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. Income tax returns / form 16

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  

Simple Eligibility Criteria for Availing Personal Loans:

  • For a SMFG India Credit personal loan in Patiala, you need to be between 21 to 60 years of age.
  • Your monthly salary should be at least INR 20,000
  • You need to be working in the current organization for at least a minimum of 6 months and have an overall work experience of at least 1 year.
  • Cash salary applicants will not be accepted.
  • As a self-employed individual, you need to have a specific minimum yearly profit (after-tax).
  • Your CIBIL score must be 750 or higher. If you never had any credit transactions in the past and as a result, your CIBIL score is “NH” or “-1”, you can still apply for a personal loan from SMFG India Credit.

Instant Personal Loan:

SMFG India Credit is happy to provide quick loans. On submission of your forms, the processing is done within minutes, subject to approval. 

Personal Loan Online at your Convenience:  

Online application begins with self-explanatory steps like clicking on the ‘Apply Now’ button, followed by filling up the application form. Then you need to enter details like the amount and tenure. Next, you need to upload the listed documents. And then finally submit the transaction for processing. Upon internal verification, there could be further documentation that could be asked from you. Your application will be subjected to various checks including eligibility, the authenticity of the information, and document verification. Once the final approval is done, the personal loan amount would be credited to your account. If you decide to apply offline, then you can visit the Patiala branch of SMFG India Credit. Our SMFG India Credit care representatives there will take you through the seamless offline personal loan process.

Types of Personal Loan Calculators: 

SMFG India Credit offers 2 personal loan calculators. These loan calculators are extremely helpful in planning your loan affordability and eligibility.

1) Personal Loan Eligibility Calculator: Personal loan eligibility calculator gives an estimate of the loan amount that you could be eligible for based on some basic details you enter. Once you get an idea of that amount, you can plan your finances better.

2) Personal Loan EMI Calculator: Personal loan EMI calculator gives you your future monthly outflow. This helps you in planning your personal fixed expenses. 

*Terms and Conditions apply

Apply for Personal Loan

Contact Us


SCO NO 139, Ground Floor, Chhoti Baradari, Patiala – 147001

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).

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