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. 70,000 with a tenure of 91 days to 270 days at a minimum APR of 20% and maximum APR of 36%.

Documents Required

At SmartCoin, we need a few documents for verification to unlock best personalized loan offers for you.

PAN Card

Aadhar Card

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

July 20, 2021

SmartCoin raises Rs 80 crore in debt funding

Fintech platform SmartCoin Financials has raised Rs 80 crore in debt funding from multiple financial institutions, including Northern Arc, Vivriti Capital, India SME and other investors. SmartCoin aims to provide digital financial services to the middle and lower-income segment..

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May 29, 2021

Second wave sees loans for millennials rising 20%

Millennials — those in the age group of 25-40 years — are on average taking loans of ₹6,000 and the loan demand has peaked exponentially in small towns and rural regions in the wake of the second wave of COVID-19. Demand for loans had surged in tier 2, 3 and 4 cities during the first wave as well..

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January 5, 2021

How this fintech lending startup used tech to overcome the serious business challenges of COVID-19

Fintech startup SmartCoin, which provides small-ticket loans, was able to leverage technology and create a different business model to ensure that credit was available for the underserved sections of society in the challenging times of COVID-19..

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Press (Media)