Safety Verification: SmartCoin operates with licensed NBFC/Bank partners (L&T Finance / Northern Arc) and adheres to RBI guidelines.
App Status: ✅ Legitimate & RBI Approved
SmartCoin (Shanti) serves micro-entrepreneurs and salaried workers across India.
Key App Details
| NBFC / Banking Partner | L&T Finance / Northern Arc |
| Max Loan Amount | Rs 500000 |
| Repayment Tenure | 2 to 24 Months |
| Interest Rate | 1.5% – 3% per month |
| Processing Fee | Rs 100 to 5% |
Disclaimer: Always verify RBI registration numbers on the official RBI website before sharing personal documents or taking loans.