SMFG India Credit Co. Ltd.

About Us

SMFG India Credit Co. Ltd. is a premier non-banking financial company (NBFC) committed to empowering individuals, entrepreneurs, and businesses with a comprehensive range of financial solutions. With a robust presence across India and a strategically located branch in Panaji, Goa, SMFG India Credit has earned a reputation for reliability, innovation, and customer-centric financial services.

Our Panaji office, located within the EDC Complex, Gera Imperium 2 in Patto Centre, combines accessibility, professional infrastructure, and modern amenities to ensure that our clients receive exceptional service and support for all their borrowing and financial needs.

Prime Location and Accessibility

Strategic Placement in Panaji

Our branch is located at Unit 211, EDC Complex, Gera Imperium 2, Patto Centre, Panaji, Goa, placing it at the heart of one of the city’s most prominent commercial hubs. The location provides:

• Central accessibility for local residents, business owners, and visitors.

• Proximity to landmark offices such as Kamat Towers for easy identification.

• A commercial hub environment with a mix of offices, eateries, and services for a convenient visit.

Connectivity and Transport

• Well-connected by major road networks, ensuring smooth transit.

• Local buses and taxis are readily available.

• Ample on-site parking for customers visiting by private vehicle.

• Wheelchair-accessible entrances and office areas for inclusive accessibility.

Comprehensive Financial Services

At SMFG India Credit, our product portfolio caters to diverse financial needs — from personal requirements to business growth, rural financing, and vehicle purchases.

Personal Loans

Designed for salaried and self-employed individuals, these loans cover:

• Weddings and family events

• Medical emergencies

• Home renovations

• Debt consolidation
  Features: Minimal documentation, online paperless application, and competitive interest rates.

Business Loans

Tailored for SMEs to support:

• Working capital requirements

• Business expansion

• Unsecured loans up to ₹75 lakhs for eligible applicants

Loans Against Property (LAP)

• Leverage residential or commercial property for high-value loans

• Attractive interest rates with flexible repayment terms

Home Loans

Offered via SMFG Grihashakti, enabling:

• Home purchases

• Construction or improvement projects

• Long-term financing with structured repayment options

Commercial Vehicle Loans

• Financing solutions for businesses to purchase commercial vehicles

• Flexible repayment options to support business growth

Two-Wheeler Loans

• Accessible loans for both men and women to purchase two-wheelers

• Includes Gramshakti initiative for rural and semi-urban customers

Rural Finance

Focused on promoting rural development through:

• Rural housing finance

• Micro-enterprise loans for small-scale businesses and farmers

Digital and Online Services

SMFG India Credit emphasizes technology-driven convenience to enhance the customer experience. Key digital offerings include:

• Paperless Applications: Apply for personal loans online without visiting the branch.

• Online EMI Payments: Simple repayment via secure portals.

• Eligibility Calculators: Free tools for estimating loan eligibility and EMI amounts.

• Digital Account Management: Access loan statements, repayment schedules, and account information online.

These digital solutions complement the in-branch experience, making financial management seamless and accessible.

Office Facilities and Professional Environment

Our Panaji branch is housed in the well-regarded Gera Imperium 2 complex, providing a professional and welcoming environment for all customers.

Interior and Amenities

• Spacious consultation areas for private and comfortable client interactions

• Well-maintained interiors reflecting professionalism and efficiency

• Dedicated customer service zones for application processing and guidance

Operational Convenience

• Regular office hours to accommodate diverse schedules

• Adequate parking for ease of access

• Accessibility features including wheelchair-friendly entrances

The combination of modern facilities, attentive staff, and strategic location ensures that every visit is efficient, comfortable, and secure.

Customer-Centric Approach

SMFG India Credit places the customer at the center of all operations. Our team of knowledgeable representatives provides:

• Personalized guidance on selecting the right financial product

• Support in documentation and loan application processes

• Expert advice on repayment planning and financial management

By combining expertise, transparency, and responsiveness, we ensure that each client receives a tailored and stress-free borrowing experience.

Commitment to Financial Inclusion

As a responsible NBFC, SMFG India Credit is dedicated to financial empowerment across urban and rural communities. Through initiatives like Gramshakti, rural finance schemes, and accessible personal and business loans, the company seeks to:

• Promote economic growth and entrepreneurship

• Facilitate access to essential credit facilities

• Bridge financial gaps for underserved populations

Our Panaji branch plays a crucial role in implementing these initiatives locally, supporting both individual and business aspirations.

Why Choose SMFG India Credit?

Key Advantages:

• Comprehensive range of financial products for individuals, SMEs, and rural clients

• Digital-first solutions for seamless applications and account management

• Strategic location in the Patto Centre, Panaji

• Modern office with professional and accessible facilities

• Experienced and responsive staff dedicated to client satisfaction

• Paperless, quick, and convenient loan processing

At SMFG India Credit, we combine financial expertise, accessibility, and personalized service to empower our clients and help them achieve their goals.