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Testimonials

SMC has offices throughout India, so we can reach clients efficiently practically anywhere.
Our personalized service and streamlined documentation gets your product to you faster.

Mr. Arvind Pal

Testimonials
SMC has offices throughout India, so we can reach clients efficiently practically anywhere.
Our personalized service and streamlined documentation gets your product to you faster.
Mr. Arvind Pal
Home > Personal Loan

Personal Loan

Personal loan is an unsecured short and medium term loan granted to Individuals immediate personal need for funds.

“SMC Finance” offers personal loan to salaried individuals with a good credit score and a verified source of income.  This loan product helps individuals to borrow funds to pay for expenses as debt consolidation, medical purposes, purchase of household or electronic goods, medical treatment, children’s education or wedding, home improvement and even travel.  The unsecured loan is offered to salaried individuals from ages 23 to 60 at a fixed rate of interest.

 

FEATURES

  • No security or collateral required to avail of the loan
  • Applicant can club income of co-applicant to enhance eligibility.
  • Receive a Personal Accidental cover
  • Loan upto Rs. 15 Lacs
  • Tenure: 12 to 60 months


 

 

 

BENEFITS

 

  • Speedy approvals
  • Simplified documentation
  • Loan available for various needs
 
 
 
For more information
please write to us at
response@smcfinance.com





 

  • Salaried individuals
  • Professionals (Doctors/ CA/ CS / ICWA)
  • Minimum age of 23 years
  • Maximum age of 60 years at loan maturity
  • Minimum Net Monthly Income – Rs. 15,000
  • Total years in job / profession – 2 Years
  • Years in current residence – 1 Year

 

 

 

Please refer to your sanction letter / welcome letter for details of various charges.

 



 

  • Application Form (click to download)
  • Latest salary slip
  • Last six (6) month’s bank statement
  • Identity proof : PAN
  • Address proof: Passport / electricity bill or driving license
  • Rent Agreement (if applicable)

 

 

The premium for insurance policies will be deducted from the loan amount at the time of disbursal.  Prescribed service tax and applicable surcharge / cess will be charged extra.

How do I pay my EMIs?

Your monthly EMI’s will be deducted from your bank account where salary is credited on a fixed date as per your NACH mandate.

 

Can I make part – prepayment towards my Personal Loan? Will any charge be applicable?

Yes, you can make a part-prepayment towards your Personal Loan. Charges will be levied as per the rates and penalties mentioned in the sanction / welcome letter.

 

Can I foreclose my Personal Loan? Will there be any charge for the foreclosure?

Yes, you can foreclose your Personal Loan. Before we process a foreclosure, all outstanding dues must be cleared.  So we request you to first check for and clear any remaining amount that may be payable towards your Personal Loan by requesting a foreclosure statement.

Once all outstanding dues have been cleared, you need to submit a foreclosure request and we will begin processing your request.

Foreclosure charges will be levied as per the rates and penalties mentioned in your sanction / welcome letter.

 

What tenures are allowed for the Loan?

The Loan tenures are between 12 months to 60 months.

 

Can I Add a Co-applicant?

Yes, a co-applicant can be added in order to get a better credit score and avail of a larger loan amount.



 
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For more information
please write to us at
response@smcfinance.com



Home > Personal Loan    
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Personal Loan




 

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Testimonials

SMC has offices throughout India, so we can reach clients efficiently practically anywhere.
Our personalized service and streamlined documentation gets your product to you faster.

Mr. Arvind Pal

Testimonials
SMC has offices throughout India, so we can reach clients efficiently practically anywhere.
Our personalized service and streamlined documentation gets your product to you faster.
Mr. Arvind Pal
FEATURES



 

 


BENEFITS
 

 


 

 

ELIGIBILITY




 

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SERVICE CHARGES




 

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DOCUMENTATION




 

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TERMS & CONDITIONS




 

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FAQS




 

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