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

Calculate Personal Loan EMI

12 Months60 Months

Assuming annual interest rate of 11.99

Calculated EMI*   6,642  Apply For Loan

Loans Upto ` 25 Lakh*

Quick Disbursal

Minimal Documentation

Flexible Tenure

Personal Loan In Thanjavur

Boasting a rich and culturally diverse heritage, Thanjavur (Tanjore) is a city in Tamil Nadu. The former capital of the Chola dynasty is known as the hub of rice production. This city is known for the Brihadeeswarar Temple, the Aranthangi Mahal, and the Thanjavur Natyanjali Dance Festival. Thanjavur paintings are appreciated for their elaborate detailing, vibrant colours, and use of gold leaf.

In this richly textured setting, the need for financial support becomes integral for individuals seeking to realize personal aspirations. In this article, we'll delve into the features, eligibility criteria, documentation requirements, and application process to apply for a personal loan in Thanjavur.

Features And Benefits Of Personal Loan In Thanjavur

Paperless Application Process

SMFG India Credit offers a seamless loan application process at your convenience. Be it any time of the day, you can apply for a personal loan online and save your precious time.

Prompt Document Verification

Our executives initiate the document verification process immediately after the receipt of the application form.


We take the trust you've placed in us seriously. Rest assured, we will never compromise the confidentiality of your data.

Competitive Rates of Interest

We offer personal loans starting with an interest rate of 11.99%* per annum.

Speedy Loan Payout

Loans are credited to your designated account within 30 minutes* of approval.

Flexible Repayment Schedule

You can customize your repayment schedule anytime from 2 to 60 months without burdening your finances.

Eligibility Criteria For Instant Personal Loan In Thanjavur

  • Age Range: Your age should fall within 21-60 years (for salaried) and 22-60 years (for self-employed).
  • Nationality: Applicants should be resident Indian citizens.
  • Employment Status: To qualify, salaried individuals should have one year of work experience, with at least six months at their current job, and self-employed applicants need three years of operational experience.
  • Minimum Monthly Pay: For salaried: Monthly salary of INR 20,000. For Self-employed: Minimum eligible income is determined based on the annual sales and after-tax profits.

Documents Required To Apply For A Personal Loan In Thanjavur

Here is a list of essential documents you must keep ready before applying for a personal loan:

Document Type

Salaried Personnel

Self-Employed Individuals

Identity Proof

PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID

PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID

Compulsory Documents

Coloured passport-size photograph, Duly filled loan application form

IT returns for the previous two years, IT challans, TDS certificate, Form 26AS

Income Proof

Salary slips for the last three months, Form 16 or IT returns

IT returns for the previous two years, IT challans, TDS certificate, Form 26AS

Proof of Ongoing Employment

Joining letter/Appointment letter from present employer

Utility Bills, Rent Agreement

Residence/Business Proof

Utility bills, Passport, Driver’s License, Voter ID, Rent Agreement, Ration Card, etc.

License, GST number Registration certificate

Interest Rates On Personal Loans In Thanjavur

SMFG India Credit Personal Interest Rates:

Personal Loan Interest Rate

Starting at 11.99% per annum

Processing Fee

0-6% of the total loan amount

Available Loan Amount

Up to INR 25 lakhs* (for salaried) and up to INR 10 lakhs* (for self-employed).

Tenure of Loan

Up to 5 years

Minimum EMI Per Month

INR 1,112 for 5 years or 60 months

Late Payment Charges

2% plus GST charged monthly (24% per annum) on the overdue amount calculated on day-to-day basis.

Prepayment Expenses


Stamp Duty

Depending on the residence of the applicant

Loan Cancellation Charges

INR 1,000

Cheque/ECS/NACH Dishonoured Charges

INR 300

How To Apply For A Personal Loan In Thanjavur?

Start your personal loan application with SMFG India Credit:

  1. Simply click here to start the loan application process.
  2. Give necessary details such as your mobile number, PAN, pincode, and employment status (salaried or self-employed).
  3. Complete the OTP verification for your mobile number and ensure that you verify your email ID.
  4. Proceed to add your email address, birth date, gender, income, and employment history.
  5. Examine the loan offer designed for your needs, including the loan amount, fees, and repayment details. Confirm acceptance if satisfied. We will also provide an option for you to choose a higher loan amount.
  6. Salaried applicants are required to provide their employment details.
  7. Go through digital verification for identity and address via CKYC, OKYC, or DigiLocker.
  8. Provide your bank details. Following verification from us, fill in the ‘Additional Details’ section with your references, marital status, loan purpose, father’s name, as well as mother’s maiden name.
  9. Choose between debit card and internet banking for your payment mode and set up eNACH.
  10. Review, digitally sign, and validate the loan agreement using an OTP.

Secure a personal loan by following these easy steps and move closer to your financial goals.

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

Branch Address 1

First Floor, Lourdhu Complex, No:-25Loorthu Nagar, Pudukottai Road, Thanjavur District

Branch Address 2

Ground & First Floor, Flat 99, VP Garden No.1, Vallam Road, Neelagiri Therkku Thottam Village, Thanjavur Town, Tamil Nadu - 613007

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).


How is my personal loan in Thanjavur eligibility calculated?

An online loan eligibility calculator is a valuable tool to get clarity on your suitability for a personal loan. Lenders consider individual factors such as location, monthly income, good credit score, and current existing financial obligations to determine your creditworthiness.

What are the advantages of applying for an online personal loan in Thanjavur?

Applying online for a personal loan in Thanjavur offers you several benefits, such as ease of application, flexible repayment tenures and minimal paperwork. Our dedicated team of customer service executives is there to assist you in your personal loan journey.

How to get a lower interest rate on my personal loan in Thanjavur?

To secure a lower loan interest rate, consider these strategies: maintain a strong CIBIL score (at least 750), opt for reputable lenders, minimize your debt-to-income ratio, engage a co-signer or guarantor for added credibility, and ensure timely payment of all debts to avoid overdue accounts.

If I change my employer, will it affect my personal loan or EMI?

No, it will not have a negative impact if you are earning more than your previous job. However, lending institutions would suggest a readjustment of your loan terms and interest rates to help you stay on track. Remember to keep your lender informed of new developments to avoid potential issues in the future.