Thursday, January 27, 2022



Tenure: 62days to 1year. Interest rates range from 0%-30% depending on the risk profile of the customer and product availed.Example: If the loan amount is ₹40,000 & interest is 22% per annum with tenure of 12 months, processing fee of Rs. 750 will be charged.

The interest for 12 months would come out to be ₹4,925. The EMI per month would be ₹3,744. This would translate to a maximum APR of 23.875%. The total cost of the loan will be ₹5,678. The total amount paid back including everything at the end of the term will be ₹45,678.

SmartCoin personal loan app is India’s trusted loan app that offers loans up to a lakh at attractive interest rates, zero collaterals, and reasonable EMIs.

Present and available in more than 18,000 pin codes in India, SmartCoin has disbursed over 2 million small loans to over 6 million happy users in the country.

We provide premium instant personal loan for both salaried and self-employed individuals. You name it and we have it all! An online loan worth ₹1,000 to ₹1 Lakh with flexible disbursement tenure ranging from 91 to 270 days on our Small Loan App. The funds will be credited directly to your bank account. 100% online. Minimum documentation. Fastest disbursal.

👌Key Features

- Minimum documentation and no collateral required
- 100% digital process
- Instant Loan ranging from ₹4000 to ₹1 Lakh
- Easy & convenient repayment tenure
- No prepayment charges
- Speedy loan disbursement

⭐️Why SmartCoin is different from any other Personal Loan App?

- Over 2 million personal loan were disbursed.
- Over ₹500Cr+ in loan amounts already disbursed across the country
- Online loan approved and disbursed in 10 minutes
- No pre-closure charges.

👍Eligibility Criteria

- ✔Salaried or self-employed individuals
- ✔You must be a resident of India
- ✔No minimum salary requirement
- ✔Must have an Android phone

📑Documents Required

SmartCoin aims to be one of the most user-friendly small cash loan app in India that disburses loans with minimal documentation:
- PAN card
- Aadhar card
- Account details

📲How SmartCoin Works?

Our application process reflects our goal to be the fastest and most secure Instant Loan App in India. All you have to do is:
- Log in to the SmartCoin app
- Upload a few basic details and documents on this loan app. Within 2-3 minutes of getting your application, you'll be notified of your approval status.
- Once your SmartCoin personal loan is approved, simply select the loan amount and get the money transferred to your bank account in 10 minutes.


SmartCoin has been recognized nationally and internationally for its efforts at Google’s Launchpad Accelerator, Global Inclusive50 by MetLife, VISA, IFC, etc.

Amount, Tenure, Fees & Charges

Instant Loan amounts range from ₹4,000 to ₹1 Lakh, Tenure: 62 days-180days. Interest rates range from 0%-30% depending on the risk profile which is equivalent to a monthly interest rate of 0%-2.5% only. There is a small processing fee that is charged for loans e.g. for low-risk customers 0%-2.5% of the principal, for very high-risk customers 4%-7%*. 

The opposite of a bull market is a bear market, which is characterized by falling prices and typically shrouded in pessimism. The commonly held belief about the origin of these terms suggests that the use of "bull" and "bear" to describe markets comes from the way the animals attack their opponents. A bull thrusts its horns up into the air, while a bear swipes its paws downward. These actions are metaphors for the movement of a market. If the trend is up, it's a bull market. If the trend is down, it's a bear market.

Bull and bear markets often coincide with the economic cycle, which consists of four phases: expansion, peak, contraction, and trough. The onset of a bull market is often a leading indicator of economic expansion. Because public sentiment about future economic conditions drives stock prices, the market frequently rises even before broader economic measures, such as gross domestic product (GDP) growth, begin to tick up. Likewise, bear markets usually set in before economic contraction takes hold. A look back at a typical U.S. recession reveals a falling stock market several months ahead of GDP decline.

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