General information


Personal information

Code Verified

Current Residence Address Details

If the permanent address is different from the current address.

Office Details

Office Address



KYC Documents:-
  • PAN Card
  • Aadhar Card
  • Residence proof
Job Continuity Proof Anyone from the following:-
  • Current Job Appointment letter (if it is less then 1 year)
  • Experience Certificate (including your previous job certificate or appointment and relieving letter)
  • Latest passport size photo
Income Proof:-
  • Last 2 months salary slip
  • FORM-16 (Last 2 years)
  • Last 6 months bank statement where the salary has been credited
  • Last 12 month personal loan statement (In case of balance transfer)

Terms & Conditions

  1. Stamp duty at actual as per applicable law.
  2. Interest rate of sub. (subject to change as per terms and conditions /agreement) as per lender (monthly reducing)
  3. Processing charge of the borrower will be according to the lender.
  4. Govt. tax and levy as per applicable government laws would be charge on all fees and charges.
  5. Cheque/SI/ECS return charges (without prejudice to the civil and criminal rights and remedies of the bank for the dishonor)  As per lender
  6. Default interest / late payment charge: as per lender
  7. Legal repossession and incidental charges: At actual
  8. Duplicate amortization/ repayment schedule: as per lender
  9. Cheque /Si/ESI swapping charges: As per lender
  10. Details of security  As per lender
  11. Taxes at actual, applicable presently or in future.
  12. Date on which annual outstanding balance statement will be issued:31st may
  13. Loan cancellation charges:  As per lender Interest would be charged for the interim period between the date of disbursement and date of loan cancellation
  14. Gap interest will be recovered from disbursement amount where the number of the days between account credit date (i.e. of the disbursement amount ) and first EMI date is more that 30/31 days

You're probably eligible for a Loan if you are

  • At Least 23 Years Old

  • Less Than 65 Years Old

  • Salary must be in your account

  • Minimum salary required Rs.15000/Month credit in bank

  • Minimum job experience / stability 6 months

SMFG India Credit Personal Loan Apply Online

The advent of digitalization has benefitted almost all sectors of the economy. But the one who attained huge heights is the banking sector. Banking has now reached another level where all its workings have improved than what they use to be in earlier times. Now customers don't have to visit banks and indulge themselves in huge paper works. Instead, they can avail themselves of such services through mobile banking by staying within the comforts of their house. 

Real Finserv, one of India's leading financial service providers, has brought the option of digital personal loans to its customers so that they can meet immediate cash needs right by staying at their homes. 

In a digital personal loan, every step for the process of the loan is carried on digitally. The customer applies for a loan, submits documents, verifies, and process a loan using a virtual platform. Also, customers do not have to pledge any asset as collateral security in favour of the bank. So it is beneficial for those who don't have assets to pledge. Is a Digital Partner Of SMFG India Credit.

We provide the following features on digital personal loan to our customers:

Features of SMFG India Credit personal loan

SMFG India Credit personal loan has the following features.

  • Easy online processing and instant approval if eligibility requirements and documentation are complete.
  • Amount of loan up to Rs. 25 lakhs can be availed.
  • Repayment tenure ranges between 24 to 60 months.
  • Within 72 hours of approval, the money is credited to the account of the customer.
  • The interest rate of a minimum of 12% p.a. is charged, and further, a processing fee of 3% can also be added.

Eligibility for SMFG India Credit Personal Loan 

The following eligibility criteria should be met for availing of SMFG India Credit Personal Loan.

  • The customer should belong to the age group of 23 years to 60 years.
  • For salaried individuals, the monthly salary should be at least Rs. 20,000 for customers living in a non-metro city and at least Rs. 25,000 for customers living in Mumbai and Delhi.
  • For self-employed individuals, a minimum annual profit after tax would be considered.

Documents required ( For Salaried Professionals )

  • Application form with customer's recent photograph.
  • Identity Proof: PAN card, driving license, voter ID card, passport, etc.
  • Address Proof: Ration card, driving license, passport, bank passbook, electricity bill, , etc.
  • Age proof: PAN Card, passport, or any other certificate from a statutory authority.
  • Bank statement for last 6 months or salary slip of Last 3 months.
  • Form 16

Documents required ( For Self Employed Non-Professionals)

  • Identity Proof: PAN card, driving license, voter ID card, passport, etc.
  • Address Proof: Ration card, driving license, passport, bank passbook, electricity bill, , etc.
  • Age proof: PAN Card, passport, or any other certificate from a statutory authority.
  • Pan card firm/ Company
  • MOA/ Partnership deed
    • 2 Years complete tax audit report
    • Latest 6 months current /OD/CC statement
  • Registration of GST
  • Current 12 months GST return
  • Loan Detail ( If Any );

Real Finserv is the one-stop solution for all the customers seeking financial help. We prioritize customer satisfaction by rendering good quality service along with convenience. The customers who want to apply for a SMFG India Credit personal loan must approach us for its online application. Our specialists will help you in the best possible way.

Eligibility Criteria for SMFG India Credit Personal Loan

  • The applicant must be a resident citizen of India.
  • Should either be an employee of a private limited company or public sector undertaking or be gainfully self-employed.
  • Must be between 21 and 60 years of age Further, the minimum income of the applicant should be:
  • For Salaried Professionals:
    • 25,000/Month: if residing in Mumbai or Delhi
    • 20,000/Month: if residing in the rest of India 
  • A personal loan help you pay for marriage, higher education, home renovation, and emergencies expenses You can avail SMFG India Credit personal loan easily and quickly through Real Finserv's digital platform. 
  • Medical Emergencies - Lack of financial assistance can limit your ability to access quality healthcare. Avail a personal loan at the earliest by furnishing the required documents.
  • Debt Consolidation - Get rid of the circle of debt by consolidating different debts into a single personal loan. The incurred on repaying the loan will be considerably lower than repaying multiple loans.
  • Higher Education - Give wings to your dreams of higher education by availing of a personal loan to meet all your educational requirements right from course fees, travelling expenses, hostel fees etc. 
  • Wedding Expenses - You can take a personal loan to cover the expenses for your dream wedding
  • Home Renovation - Avail a personal loan and undertake renovations/repairs to enhance the value of your home. Opt for a loan at competitive rates of interest and flexible repayment tenor.  

Why choose Real Finserv for a Personal Loan? 

Real Finserv is one of the leading financial service providers across India. We are offering financial services to both individuals and business organizations for the last 16 years. 

  • We offer quick application and disbursal of various loans through the digital platform.
  • We have a diversified product portfolio for our customers.
  • We offer loans with low-interest rates.
  • Our proficient experts provide our customers with the required paperwork assistance and support.
  • We integrate knowledge, passion, and technology to offer the best deals to our customers.

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