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

Rajkot is one of the fastest-growing cities in India and contributes to the economy with its vast network of small and medium enterprises. If you are a resident of this beautiful city, we at SMFG India Credit understand and respect your dreams and goals. We understand that in order to ensure that to achieve your goals – be it in personal life or in business, you would need the right financial partner who can give you the solution that fits you the best. SMFG India Credit is a reputed personal finance company in Rajkot.

If you are looking for urgent funds in order to fulfill a business or personal need, you can apply for a SMFG India Credit personal loan online. Our top range of digital services and competitive interest rates allows us to provide a high level of customization for personal loan finance in Rajkot. Please continue reading to know more.

Benefits of Personal Loan in Rajkot

  1. Loan amounts up to INR 25 lakhs*
  2. 24x7 support via mobile app and web login 
  3. Quick disbursals and instant decisioning
  4. A completely online process within minimal documentation
  5. Flexible repayment tenures between 12 – 60 months

What is the Documentation Required for a Personal loan in Rajkot?

Here are the basic required documents for a personal loan from SMFG India Credit.

  1. PAN Card
  2. Address proof such as Aadhaar card, passport, driving license, etc.
  3. Employment proof – letter of appointment for salaried and business existence proof for self-employed
  4. Income proof – last 3 months salary slips for salaried and ITR / audited financials of the last 2 years for self-employed
  5. Bank statements of the past 6 months

Please note that depending on your individual profile, additional documents may be requested.

Interest Rates for Personal Loan in Rajkot

  • You can get a personal loan from SMFG India Credit at competitive interest rates starting from 11.99%*
  • We also charge a nominal processing fee between 0 – 6% of the loan amount.

To know more, please visit Personal Loan Interest Rate

Eligibility Criteria for Personal Loan in Rajkot

Please see below a basic list of Personal loan eligibility. Please note that your actual eligibility will depend upon a number of other factors including SMFG India Credit’s policy at the time of loan application.

  • Applicants must be between 21 to 60 years of age
  • Only Indian residents may apply
  • We accept both salaried and self-employed applicants
  • Applicants must have a good credit history and a minimum CIBIL Score of 750
  • Salaried applicants must have a minimum monthly salary of INR 20,000 (after all deductions). Self-employed applicants must meet the minimum criteria for annual turnover and yearly profit after tax depending on industry type. 

How to Apply for Personal Loan in Rajkot?

For a pre-approved personal loan online, please follow these steps

  1. Use our personal loan eligibility calculator to estimate the maximum loan amount you may be eligible for
  2. Use our EMI calculator to decide the best loan tenure so that you can comfortably pay your monthly EMIs
  3. Click on the “Apply now” button on this page and click on “Personal Loan”
  4. Enter your mobile number and OTP
  5. You will be directed to our online application form. Please enter your information carefully as directed
  6. Upload documents.
  7. Click on “Submit” to finish.

Instant decisioning will be done based on the information you have provided in the form. Please note that if your application is considered eligible, it will be processed further through multiple verification checks before loan approval may be provided.

Apply today to know more.

*Terms and conditions apply


* 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

Branch Address 1

First & Second Floor, Above Ishvariya Amul Parlour, Near HDFC Bank, Ishvariya Main Road, Rajkot - 360006, Gujarat

Branch Address 2

Office No. 319,320,321,322, The city Center, 3rd Floor, Raiya Road, Rajkot - 360007, Gujarat

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).

Knowledge Center

View All
Financial Hacks for Working Professionals: 5 Smart Ways to Manage Your Money

Financial Hacks for Working Professionals: 5 Smart Ways to Manage Your Money

In a bid to earn more money, thoughts of managing it can often take a back seat. However, money…


Enhancing Credit Scores through Personal Loans: Myth or Reality?

Enhancing Credit Scores through Personal Loans: Myth or Reality?

Does taking out a personal loan hurt your credit score? Or will a personal loan quickly fix your…


Difference between Debt Consolidation and Debt Settlement

Difference between Debt Consolidation and Debt Settlement

Debt consolidation involves combining multiple debts into a single payment, often with a lower…


Strategies for Using Personal Loans in Debt Management

Strategies for Using Personal Loans in Debt Management

Are you feeling overwhelmed with numerous loans and struggling to keep up with payments? Worry…