Thane is one of the upcoming metropolitan cities in Maharashtra, and shares its borders with Mumbai and Navi Mumbai districts. Over the past 15 years, the city has emerged into one of the most important locations for high quality real estate and commercial activity. A number of startups and new businesses especially in the financial domain have set up their offices in Thane due to the affordable prices for leasing commercial property. A large number of people who work in Mumbai have also invested in real estate here, due to its great connectivity with Mumbai and better infrastructure. 

SMFG India Credit is a leading personal finance company in Thane. We strive to provide our customers with the best solutions so that they can realise their aspirations – no matter how big or small with ease. Read further to know more about our personal loan in Thane.

Interest Rates and Charges for Personal Loan in Thane

  • Get personal loans at attractive interest rates starting from 13%. Please note that we will consider your eligibility as per our policy as applicable at the time of loan application
  • We charge a minimal processing fee between 0 to 6% of the loan amount.

Eligibility Criteria for a Personal Loan in Thane

  • Residents of India may apply
  • Minimum monthly salary of INR 20,000
  • Applicants should be between 21 – 65 years of age
  • Applicant must have a stable income source (employment at a firm or self-employed business)
  • CIBIL score of 750 or above
  • Applicants must have the required documentation
  • Applicants receiving cash salaries will not be considered
  • Salaried applicants must be employed at their current job for a minimum of 1 year and self-employed applicants must have business existence proof of at least 2 years  

Personal Loan Application Process

Here are the steps to apply for a personal loan at SMFG India Credit:

  1. Provide Basic Details

Provide necessary information like mobile number, PAN, pincode, and your employment type (salaried or self-employed).

  1. Authenticate Your Mobile Number

Verify your mobile number by entering the 6-digit OTP sent to your device.

  1. Submit Additional Information

Share more details such as email address, date of birth, gender, and annual household income. Make sure to verify your email ID as part of the process.

  1. Share Employment Information

Provide your employment information if you're salaried.

  1. Provide Bank Statement

Please submit your bank statement via Net Banking, an Account Aggregator, or by uploading it directly. We will use this information to generate a loan offer (exclusively for salaried individuals).

  1. Verify Your Identity

Use CKYC, Offline Aadhaar XML-based KYC, or DigiLocker to share your address details and take a selfie to complete your identity verification.

  1. Enter Bank Account Details

Submit details of your bank account for verification.

  1. Submit Additional Details

Post-verification, there is an 'Additional Details' section that requires information such as the loan purpose, marital status, mother’s maiden name, and father’s name.

  1. Re-payment Mode and E-NACH

Choose a re-payment mode (debit card or internet banking) and set up E-NACH.

  1. Digitally Sign the Loan Agreement After Review

Sign the loan agreement digitally after a thorough review, completing the process with OTP confirmation.


By following these easy steps, you'll be on track to reaching your financial objectives with SMFG India Credit.

Documents Required for Personal Loan

  1. Your photograph will need to be uploaded when you submit the online application form
  2. Basic documents such as ID proof, address proof, etc. to fulfil KYC needs
  3. Proof of employment proof such as appointment letter for salaried applicants; or business existence proof documents for self-employed applicants
  4. Past 6 months’ bank statements
  5. Most importantly, you will also need to submit proof of income. For salaried applicants, this will be salary slips of the last 3 months, and audited financials for self-employed applicants 

For more details, please check our personal loan documents page

Advantages of SMFG India Credit Personal Loans

These are some of the reasons why one looking for an urgent personal loan in Thane must consider partnering with SMFG India Credit:

  1. We provide a loan amount that best suits your requirement, upto a maximum of INR 30 lakhs*
  2. We offer personal loan interest rates starting from 13% which will be the best possible deal as per your individual profile
  3. Our complete digital process ensures that you get your loan within less than 24 hours (after submission of all information / documents)
  4. We ensure a hassle free experience by keeping our documentation requirements to a minimum
  5. You can opt for a flexible repayment tenure between 12-60 months to plan your EMIs better as per your monthly budget 

Apply today, and give us the opportunity to help you meet your aspirations. Be it a medical emergency, a dream vacation, a wedding, plans to renovate your home, certification courses to upgrade your professional skills or any other requirement – we will have a solution to support your dreams.

*Terms and conditions apply

APPLY NOW  

* 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

Shop No 1, 2 & 3, Gr floor, Prestige Precinct, Next to Nitin Company, Almeida Road, Panchpakdi, Thane (W), Thane - 400 602

Branch Address 2

Office No.1542, 15th Floor, Dev Corpora,Pokhran Road No.1,Eastern Express Highway, Opposite Cadburys, Thane, Maharashtra, Mumbai, Maharashtra 400601, India

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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