A personal loan is a very common household product nowadays. We see more and more people are enjoying its benefits today. This is mostly due to simplified processes and online application. At SMFG India Credit, we offer a truly convenient and hassle-free experience through our online digital application process, reasonable personal loan interest rates, customised offerings, and the transparency levels we offer to all our customers.
Pune is a city replete with academic institutions and business entities. It is bubbling with youngsters and entrepreneurs. Dreams are floating every single minute in this very radiant city. Unsurprisingly, easy personal loan in Pune is on the rise for umpteen reasons. Most common of these are starting a new business, renting a place for a business venture, clearing debts, exotic holidays, paying for medical emergencies, home renovation, etc.
If you are interested in taking a personal loan for any of such needs, apply online today. We also offer multiple offline modes to help you apply for a personal loan in Pune.
Read on to know more about the required documents and eligibility for a Personal Loan in Pune with SMFG India Credit.
It is highly imperative to look at the nuances and facets of a loan before availing it. The interest rates, duration of the loan, fees, and other charges are some of them. SMFG India Credit offers extremely competitive rates in India.
|
Fee Type |
Applicable Charges |
|
Personal Loan Interest Rate |
13% to 33% |
|
Processing Fee |
Up to 5% of the total loan amount + GST |
|
Loan Tenure |
Up to 60 months |
|
Lowest EMI Per Lakh |
₹ 2,275 for 60 months |
An instant personal loan in Pune can be easily availed online and is highly beneficial as you can check all the details online. Features like interest rates, processing fees, foreclosure charges, etc. are available for you to make a prudent decision. You can also check personal loan eligibility online using our free calculator so as to get an estimate of the loan amount you can be eligible for based solely on your age, location, net monthly income and total monthly obligations. You can then calculate your monthly EMI online using our free EMI calculator and check the EMI you will need to pay for a given interest rate and loan tenure. This will help you plan your monthly finances better and correctly estimate you. If you are applying for personal loan online, you need to keep a copy of all your documents ready. However, if you decide to apply it offline, you can visit your nearest SMFG India Credit branch directly and get the application processed over there.
* 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.
Getting a personal loan with a low CIBIL score in Pune can be difficult but not impossible. Seek lenders with lenient eligibility criteria, though they may charge higher interest rates and impose stricter terms. Adding a co-applicant with a strong credit profile and stable income can enhance your approval chances. It’s advisable to improve your CIBIL score to 750 or above for better terms.
Individuals with a low salary may still qualify for a personal loan in Pune by meeting other criteria like a strong credit score and stable employment. Choosing a smaller loan amount or adding a guarantor/co-applicant with a higher income can also enhance approval chances. For SMFG India Credit, Pune residents should have a minimum salary of INR 20,000 per month.
The processing time can vary by lender. Eligible applicants with complete, up-to-date documentation and strong credit profiles may enjoy quicker approvals.
For residents of Pune, the minimum monthly income required for an SMFG India Credit personal loan is INR 20,000.
Branch Address 1
First Floor, Office No. 101 & 102, Apte Road, Behind Santosh Bakery, Shivajinagar, Pune, Maharashtra - 411005
Branch Address 2
3rd Floor, Western Wing, Office No. 301 & 315, Nyati Corporate Park, CTS No. 1995 and CTS No. 1996B, Nagar Road, Yerwada, Pune - 411006
Branch Address 3
First Floor, Level 1 , Nyati Unitree, West Wing, Samrat Ashok Marg, Yerwada, Pune - 411006, Maharashtra
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).
Which ITR Should I File? Types of ITR Forms
Filing your Income Tax Return (ITR) is a crucial step in maintaining your financial health and…
What Is the 50/30/20 Rule of Budgeting? A Simplified Guide
Managing your salary effectively can be a challenge, especially when bills, lifestyle choices,…
What Is SMA in a CIBIL Report? Understanding Its Impact on Your Credit Score
If you have recently checked your CIBIL report and noticed a term called SMA, you might be…
