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

Given the condition of traffic in most major Indian cities these days and the trouble of public transport, owning a two wheeler can be very empowering and practical. Hence the reason why two wheelers loans have been mushrooming across the country, giving access to borrowers the comfort of affordable monthly EMIs.

SMFG India Credit is a reputed Non-Banking Financial Institution in India that has been offering two wheeler loans to Indian citizens in the last few years. We firmly believe that owning your own transportation gives you a sense of freedom to travel, anywhere, anytime.

But before you go ahead with your loan request, you first need to check your two wheeler loan eligibility. This step is important as you need to ensure that basic parameters are met which establishes that you have the repayment capacity as a credible borrower and the chances of rejection of the loan are minimised.

Here are a few of SMFG India Credit’s  general two wheeler loan eligibility criteria:

  • You must be at least 18 years of age at the time of loan application and a maximum of 65 years before the loan matures
  • You must be a resident of India, residing in the same address for a minimum period of 1 year
  • You must be an employee at a private limited company, an MNC, a public sector enterprise for a minimum of 1 year. For self-employed professionals, IT Returns for 1 consecutive year have to be produced
  • You must a good CIBIL score
  • You must have a permanent telephone number
  • You must have all the relevant KYC documents

Once you are confirmed on the meeting all the required criteria for eligibility, make sure that you check your EMI range using our free online two wheeler loan EMI calculator.

At SMFG India Credit, we are committed to enabling every Indian citizen achieve their dreams and aspirations. However, due to technical issues, at the moment , we only offer two wheeler loans in select locations. Please call our customer care team (1800 103 6001) to check this before you make a formal loan application.

Documents Required for Two Wheeler Loan

When applying for your two wheeler loan with SMFG India Credit, you will have to submit a few documents. For your convenience, we have reduced the number to a compact set which is pretty straightforward and can help with instant processing.

Here are the documents required for two wheeler loan to be processed.

  • Two wheeler loan application form duly filled and signed
  • All KYC documents to verify the following:
    • Proof of identity – PAN card, voter’s ID, passport, driving license  
    • Proof of address – Utility bills, passport, rental agreement  
    • Proof of age  
  • Passport size photographs 

Additional Documents For Salaried Persons:

  • The latest salary slips for 3 months for Government Employees. In the absence of Salary Slips only a salary certificate will be acceptable with deductions.
  • For Partnerships / Proprietary Firms / Pvt. Ltd. Companies - Salary Certificates will be accepted clearly outlining deductions, Name and Designation of the Authorised Signatory
  • Latest Form 16

Additional Documents Self-Employed:

  • Copy of the latest  income tax returns

SMFG India Credit will review all submitted documents as the loan processing starts. Remember to have photocopies handy for collection and the originals for verification. . We will sanction your loan after complete verification of details provided in your two wheeler loan application.

How To Apply for Two Wheeler Loan

Applying for your two wheeler loan at SMFG India Credit is a convenient, quick and hassle-free process. You can get the bulk of the work done online.

Follow these easy steps:

  1. Visit the SMFG India Credit website and navigate to the two wheeler loan page.
  2. Click on the either the orange ‘Apply Now’ button located on the top right hand corner of the page or opt for the green ‘Apply Now’ button located in the bottom centre of the page
  3. You will be directed to a page which asks you to select from a range of loan products
  4. Choose the option – Two Wheeler Loan
  5. You will be asked to declare if you are a ‘Salaried’ or a ‘Self-Employed’ individual
  6. Fill in your Personal and Employment details post making your mode of employment declaration
  7. Complete the process by clicking on the orange ‘Apply Now’ button located at the right hand corner, near the bottom of the page
  8. This registers your interest in applying for a SMFG India Credit two wheeler loan
  9. You will receive a call from the relevant loan department to discuss more on the options available to you such as loan amount, interest rates, loan repayment tenure and applicable terms and conditions. Depending on your discussion and requirement, your application will be taken forward.

If you have any questions or queries, you can reach out to us by emailing us at   . Alternatively, you can call  our toll free number 1800 103 6001 or visit your nearest SMFG India Credit branch.

Bike Loan EMI Calculator

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1800 103 6001 Timings: 9:00 AM to 7:00 PM (Monday to Saturday excluding public holidays & fourth Saturday of every month).