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 Tirupati

Tirupati, located in the southeastern part of Andhra Pradesh, is a renowned pilgrimage destination and one of the most visited religious sites in the world. The city is famous for the sacred temple of Sri Venkateswara, also known as the Tirumala Temple or Tirupati Balaji Temple. The town of Tirupati, which serves as the base for pilgrims, has developed into a major center for religious tourism. Devotees from all walks of life and various parts of the country flock to Tirupati to seek the blessings of Lord Venkateswara. Tirupati is also known for its cultural heritage and architectural marvels.

Amidst the spiritual aura and cultural opulence, the need for financial support becomes integral for individuals navigating personal aspirations in this sacred city. Let’s explore personal loans in Tirupati, unraveling the features, eligibility criteria, documentation requirements, and application process.

Features And Benefits Of Personal Loan In Tirupati

Paperless Application Process

A 100% paperless loan application process to save your precious time and energy.

Collateral-free Loans

No more worrying about providing a collateral as security for a personal loan.


SMFG India Credit emphasises on preserving the confidentiality and integrity of your data consistently.

Competitive Rates of Interest

Enjoy financial flexibility with SMFG India Credit, where our personal loan interest rates begin at 11.99%* per annum, providing you the freedom to handle your EMIs comfortably.

Speedy Loan Payout

Loans are disbursed in less than 30 minutes* of loan approval.

Flexible Repayment Schedule

Plan your repayment schedule from 2 to 60 months without stressing your current expenses.

Eligibility Criteria for Instant Personal Loan in Tirupati

  • Age Requirement: The age of the applicant should be between 21 and 60 years. For the self-employed, the lower age limit increases to 22 years. This range ensures applicants have a reasonable amount of time left for loan repayment.
  • Nationality: Must be an Indian resident.
  • Work Experience: For Salaried: 1 year work experience, including at least 6 months with their current employer. For Self-employed: At least three years of business experience.
  • Minimum Monthly Income: For Salaried: A monthly salary of INR 20,000. For Self-employed: Minimum income assessed by considering annual sales and post-tax profits.

Documents Required To Apply For A Personal Loan In Tirupati

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

Coloured passport-size photograph, Duly filled loan application form

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 Tirupati

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


Loan Cancellation Charges

INR 1,000

Cheque/ECS/NACH Dishonoured Charges

INR 300

How To Apply For A Personal Loan In Tirupati?

To start your personal loan application with SMFG India Credit, follow these directions:

  1. Start your loan process by clicking here.
  2. Fill in the form with required details such as your mobile number, PAN, pincode, and employment status.
  3. Authenticate your mobile number with OTP. It is also necessary to verify your email ID.
  4. Enter additional information like your email address, date of birth, gender, and financial and employment background.
  5. Review the personalised loan offer, noting the amount, fees, and repayment schedule. If it suits your needs, confirm your acceptance and consider the option for a higher loan amount.
  6. Provide detailed employment information if you are in a salaried position.
  7. Use well-established methods such as CKYC, OKYC, or DigiLocker to complete identity and address verifications digitally.
  8. Submit your bank details for verification. Once verification is done, proceed to the ‘Additional Details’ section to provide information on references, marital status, loan purpose, father’s name, and mother’s maiden name.
  9. Opt for payment through debit card or internet banking and finalise eNACH setup.
  10. Review the loan agreement carefully, digitally sign it, and confirm with an OTP.

Completing these simple steps to get a personal loan will bring your financial goals within reach.

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

Second Floor Door No-19-18-213  Hathiramji colony, Bairagipatteda, Tirupati, Andhra Pradesh State - 517501

Branch Address 2

# First Floor, Door no: 23-4-152, Sri Krishna Nagar, Revenue Ward No 23, Tirupati, Andhra Pradesh – 517501

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 Tirupati eligibility calculated?

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

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

Experience a hassle-free loan application process at competitive interest rates. Applying for an online personal loan in Tirupati brings advantages such as loans up to INR 25 lakh*, attractive interest rates, a 100% paperless application process, quick disbursal, and extra benefits for existing customers.

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

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?

On the contrary, changing your employer will have a positive impact if your new job offers you higher pay. But do remember to inform your lender regarding new changes to maintain transparency at all times.