Personal Loan
Get Funds for Any Personal Need
SM Finance's personal loans are designed to help you meet any financial requirement — medical emergencies, travel, education, home renovation, or wedding expenses. With minimal documentation and quick approval, we make borrowing simple and stress-free.
Our network of 30+ lenders ensures you get the best interest rates and flexible repayment options tailored to your income and repayment capacity.
Key Features & Benefits
- Loan amount from ₹50,000 to ₹25 Lakhs
- Interest rates starting from 10.5% p.a.
- Repayment tenure: 12 to 60 months
- No collateral or security required
- 100% digital process — no branch visit
- Instant in-principle approval in minutes
- Funds disbursed within 24-48 hours
- Flexible EMI options to match your income
Eligibility Criteria
- Age: 21 to 60 years
- Salaried employees with minimum ₹20,000/month income
- Self-employed with stable income for 2+ years
- Minimum CIBIL score of 650
- Indian resident with valid KYC documents