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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.


  • 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

Need A Loan

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  • Speedy approvals
  • Simplified documentation
  • Loan available for various needs


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

Service Charges

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


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

Terms & Conditions

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.

About SMC

Established in 1990, SMC is one of the leading and well-diversified financial services companies in India offering services across brokerage (across the asset classes of equities (cash and derivatives), commodities and currency), investment banking, wealth management, distribution of third party financial products, research, financing, depository services, insurance broking and clearing services and real estate advisory services to corporate, institutional, high net worth individuals and other retail clients.

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serving over
18 Lac
unique clients
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Workforce of
Presence in500+ cities & oversease offices in Dubai
large network of
2,500+ sub-brokers & authorised persons
secure wallet
Cumulative AUM under Mutual Funds 3,000+ crores
*As on 31st March 2018


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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Disclaimer: Investment in securities and commodities market are subject to market risks, read all the related documents carefully before investing. SMC Global Securities Ltd. (CIN : U67120DL1997PLC188881): NSE INB/ INF/INE 230771431, BSE INB/INF 011343937, MSEI INB/INF 260771432, CDSL/NSDL-IN-DP-130-2015, SMC Research Analyst Registration- INH 100001849 I SMC Global Securities Ltd.: NCDEX/MCX (8200)/ NMCE/ICEX-INZ000035839 I SMC Global Securities Ltd.: PMS INP000003435 I SMC Insurance Brokers Pvt. Ltd., IRDAI Regi: No: DB 272/04, License No. 289 Valid from 28-01-2020 to 27-01-2023 I Registered Office: 11/6B, Shanti Chamber, Pusa Road, New Delhi-110005, Tel.: (011) 30111000. For any complaints email –, website:

The Stock Exchange, Mumbai is not in any manner answerable, responsible or liable to any person or persons for any acts of omission or commission, errors, mistakes and/or violation, actual or perceived, by us or our partners, agents, associates etc., of any of the Rules, Regulations, Bye-laws of the Stock Exchange, Mumbai, SEBI Act or any other laws in force from time to time.

The Stock Exchange, Mumbai is not answerable, responsible or liable for any information on this Website or for any services rendered by our employees, our servants, and us.
By submitting your details to SMC, you are authorizing us to send promotional communication through Call/Email/SMS/Whatsapp even though you may be registered under DND.

Insurance is the subject matter of solicitation • All insurance products sold through SMC Insurance Brokers Pvt. Ltd. • Investment Banking Services provided by SMC Capitals Ltd. • Equity PMS and Wealth management services provided by SMC Global Securities Ltd. • IPOs and Mutual Funds distribution services are provided by SMC Global Securities Ltd. • Financing Services provided by Moneywise Financial Services Pvt Ltd. • Commodity broking services provided by SMC Global Securities Ltd. • Real Estate Advisory services are offered through SMC Real Estate Advisors Pvt. Ltd.

Filing Complaints on SCORES- Easy & quick

a. Register on SCORES portal

b. Mandatory details for filing complaints on SCORES:

i. Name, PAN, Address, Mobile Number, Email ID

c. Benefits:

i. Effective Communication

ii. Speedy redressal of the grievances"


Toll-free : 1800-11-0909

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