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?

To apply for a personal loan online, please follow these steps 

  1. Click on the “Apply now” button on this page and click on “Personal Loan”
  2. Enter your mobile number and OTP 
  3. Enter your information and upload documents
  4. Click on “Submit” to finish.
  5. Before applying for a personal loan, we recommend using our personal loan calculators to estimate the maximum loan amount you may be eligible for, and the loan tenure that would be most convenient so that you can repay your monthly EMIs comfortably

Based on the information you have provided in the form, you will be immediately informed if your profile is approved. If yes, your application will be processed further. After passing various checks, your loan will be approved, post which you can get the funds within 24 hours*

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


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: 9:00 AM to 7:00 PM (except Sundays and public holidays).

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