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 24 hours* or 1 working day* of applying.

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

Delayed EMI Payment Interest

24% per annum on overdue outstanding balance, calculated per day.

Prepayment Expenses


Loan Cancellation Charges

INR 1,000

Cheque/ECS/NACH Dishonoured Charges

INR 300

How To Apply For A Personal Loan In Tirupati?

Begin with your personal loan application by following these steps:

Step 1: Start by accessing the dedicated online portal.

Step 2: Specify your employment status as 'self-employed' or 'salaried.'

Step 3: Enter personal details, including your name, address, qualifications, and date of birth.

Step 4: Provide your banking information as required.

Step 5: Successfully complete your application by uploading the necessary documents.

Step 6: Carefully review your form before submission, after which the internal team will review your application.

Step 7: Conclude any remaining formalities with the assistance of the executive team.

Step 8: Prompt loan disbursement after the verification of documents and eligibility confirmation.

Apply for Personal Loan

Contact Us


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

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).


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.

* Terms and conditions apply
** Subject to foreclosure charges. Terms and conditions applicable.