SmartCoin - Personal loans for urgent cash needs in India

About SmartCoin

Our mission is to solve the problem of financial inclusion through technology. We are a consumer lending startup focused on providing micro-loans to the vast underserved middle/lower-income segments.

Our mobile-app based lending platform and proprietary underwriting algorithms are capable of assessing the risk profile of a prospective borrower in real time using data science and machine learning.

With SmartCoin you can get Loans from Rs. 1,000 to Rs. 25,000 with a tenure of 91 days to 120 days at a Minimum APR of 20% and Maximum APR of 36%.

Our Features

The SmartCoin Project


ID Engine


Document Engine


Capacity & Income Engine


Network Engine


Intent Engine


Continuous Engine Builder

A Few Taps For a Loan

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  • 01. Download from Play Store

    Just download & install the application from Google Play Store

  • 02. Register on the Platform

    Fill up your work and personal details in the application

  • 03. Upload the required documents

    Upload few required documents for identity verification

  • 04. Choose from the Loan Options

    Choose from the list of loan options provided to you.

  • 05. Apply for Loan

    Apply for your desired loan.

  • 06. Receive Funds in Bank

    The loan amount will be sent to your bank account within few hours.

Core Team

Rohit Garg

(Co-Founder & CEO)

An IIT & IIM alumni has previously worked with reputed names in the BFSI like Morgan Stanley, Deutsche Bank, Citi and Nomura across geographies Mumbai, Hong Kong and London. He co-founded SmartCoin in 2016 with a mission to provide financial access to the millions of under banked people.

Amit Chandel

(Co-Founder & CTO)

He is an IITian and co-founded ByteClip Technologies. He has worked with Kiwi India as Director of Engineering and comes with a decade of work experience across the technology domain.

Vinay Kumar Singh

(Co-founder & Head of Product)

He is an IITian and co-founded ByteClip Technologies. He has worked with Kiwi India as Director of Engineering and comes with a decade of work experience in creating tech products and design.

Jayant Upadhyay

(Co-founder & COO)

An IITian and a serial entrepreneur who co-founded ByteClip Technologies in 2011. He comes with over a decade experience in technology tech and marketing domain having worked with hardcore IT companies like Kiwi India and Lime Labs before co-founding SmartCoin.

SmartCoin Blog

Customer Testimonials

Pradeep Garg

It's awesome concept.. starting from low amount they slowly increased the loan amount and instant deposit service is great.

Thrinesh Reddy

Its a nice approach.and nice app for instant starting they offer small loans but after payments of taken loans your limit will be increased.

Icchu Micchu

The best instant loan provider than other.. Supports fast approval and transfer instant cash in account within minutes.

Amol Sutar

It's a nice app.its very helpful.really awesome app. Really appreciate your service.too fast. good service.Thanks for the help.keep it up..

Latest News

March 28, 2018

SmartCoin raises $2 M pre-Series A funding led by Accion Venture Lab and Chinese VC fund

SmartCoin, a Bengaluru-based micro-lending platform for lower and middle-income segment, raised $2 million pre-Series A funding led by Accion Venture Lab and a top Chinese VC fund. Existing investor Unicorn India Ventures, and fintech accelerator ISME ACE also participated in this round..

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April 26, 2018

Not just loans, SmartCoin brings financial health to low-income Indians

The majority of adults in India have little to no formal credit history. In a population of 1.3 billion, that’s a lot of people who have trouble accessing credit. If these individuals need a little extra money to pay hospital or education bills, make home repairs, or expand their business..

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April 15, 2018

SmartCoin provides short-term credit to the vast underserved, smartly

Taking a ride, back in 2015, Rohit Garg was shocked to hear that an autorickshaw driver routinely borrows amount as small as Rs 1,000 for petrol from his local lender at a hefty 10 per cent interest per diem..

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Press (Media)