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

Vadodara is one of the most important industrial cities in India and is home to a number of important refineries. This beautiful city is also known as the “City of Art'' or Kala Nagri. The city hosts a large population of enterprising individuals in various professions. If you are looking for the right kind of financial support to fulfil your dreams, a personal loan in Vadodara Gujarat may just be what you need. 

SMFG India Credit is a reputed personal loan provider in Vadodara, and we specialize in providing customised loans suited for any personal or business need. You can now apply for a personal loan in Vadodara online with SMFG India Credit in just a few steps from the comfort of your home. Scroll further to know about our eligibility criteria, interest rates and more.

SMFG India Credit’s Personal loan Rates

  • You can get a personal loan in Vadodara from SMFG India Credit at interest rates as low as 11.99%. We ensure that as per your individual profile and eligibility, the best possible interest rates are offered to you.
  • A nominal processing fee between 0 – 6% of the loan amount is applicable. This amount will be deducted from the loan amount and the balance will be disbursed to your bank account.

To know more about our fees and charges, please check Personal Loan Interest Rate

Personal Loan Eligibility in Vadodara

Below is a list of our basic eligibility criteria. Please be aware this is not comprehensive, and actual eligibility will depend on a number of factors, including our policy at the time of application.

  • You must have a minimum CIBIL Score of 750 and a good credit history
  • You must be salaried and self-employed
  • You must be between 21 – 60 years of age
  • If you are salaried, you must have been working at your current company for at least 1.5 years, and earn a minimum monthly salary of INR 20,000 
  • If you are Self-employed, you must have had at least 3 years of experience in your current business and your annual income / yearly profit after tax must meet the minimum criteria depending on industry type.
  • You must be an Indian resident to apply 

How to Apply for a Personal Loan in Vadodara, Gujrat?

Complete your application for a personal loan from SMFG India Credit with the following directions:

  1. Follow this link to initiate the loan application.
  2. Enter necessary information like mobile number, PAN, pincode, and employment status.
  3. Complete mobile number verification through a 6-digit OTP and ensure email ID verification.
  4. Furnish more details such as email address, date of birth, and gender, along with annual household income, and history of employment.
  5. Examine the loan offer, tailored to your needs, including the loan amount, fees, and repayment options. Confirm your acceptance once satisfied. We will also give you an option for increasing the loan amount.
  6. If you have a salaried job, provide relevant details about your employment.
  7. Digital identity and address verification is the next step and can be completed via CKYC, OKYC, or DigiLocker.
  8. Provide details about your bank account. Once we have successfully verified the information, you will proceed to the ‘Additional Details’ stage. Information such as the loan’s purpose, your marital status, reference details, etc., are to be added here.
  9. Opt for your preferred mode of payment, debit card or internet banking, and proceed with eNACH setup.
  10. Review and digitally sign the loan agreement, finalising the process with an OTP confirmation.

Achieve your financial objectives by following these easy steps to secure a personal loan from SMFG India Credit.

Documents Required for a Personal loan in Vadodara

Our minimal documentation for personal loan makes SMFG India Credit a preferred personal finance company in Vadodara. Here is what we need:

  1. Your PAN Card – this is mandatory
  2. Your address proof such as Aadhaar card, passport, driving licence, etc. An Aadhaar card which is linked to your mobile number and bank account can make the process even faster.
  3. You will also need to provide proof of employment such as a letter of appointment if you are salaried, or business existence proof if you are self employed
  4. Documents to show proof of stable income proof such as last 3 months salary slips for salaried and ITR / audited financials of the last 2 years for self employed
  5. Bank statements of the last 6 months

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

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


First Floor, TNW Business Centre, Old Padra Road, Manisha Circle, Vadodara - 390015, Gujarat

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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