InCred online EMI payments
Pay your Loan EMI with Oolka and earn cashback rewards
InCred Loan EMI Payment
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About InCred
InCred is the brand of **InCred Financial Services Limited**, a Mumbai-headquartered non-deposit-taking systemically important Non-Banking Financial Company (NBFC-ND-SI) registered with the Reserve Bank of India. InCred was incorporated on 3 February 1995 and currently operates under CIN U67190MH1995PLC360817 (formerly Visu Leasing and Finance / KKR India Financial Services). InCred offers personal loans up to ₹10 lakh, SME and business loans, student / education loans, and consumer durable financing. Disbursing directly through its loan app and indirectly through partner fintech platforms. InCred also runs a separate wealth-management arm (InCred Wealth) with its own app and platform.
Personal loan (up to ₹10 lakh, disbursed within minutes via the InCred app)
SME and business loan (working capital and term loan for small businesses)
Student loan / education loan (for higher studies in India and abroad)
Two-wheeler loan
Consumer durable / electronics loan
Loan against shares / loan against mutual funds (through InCred Wealth)
Co-lending and on-tap partner loans (issued by InCred Financial Services on platforms like Upwards)
These are the loan products InCred offers across India.
How to Pay InCred EMI Online
You can pay your InCred EMI through several channels:
**InCred Finance app** (Android). Pay EMI, view loan account, request part-prepayment, get foreclosure statement
NACH auto-debit: default for most InCred personal and SME loans, deducted from your registered bank account on the EMI due date
UPI / BBPS: pay your InCred EMI on Google Pay, PhonePe, Paytm by searching "InCred" or "InCred Financial Services" under the BBPS Loan EMI biller category
Bajaj Finserv BBPS payment portal: bajajfinserv.in supports InCred loan payment via debit / credit card, net banking, Bajaj Pay UPI
Net banking and debit card: directly through the InCred app and customer portal
NEFT / IMPS: to the loan-specific account number printed on your InCred sanction letter
WhatsApp banking: chat support and basic queries on +91-882-627-2192
**Track InCred EMI on Oolka:** if you have loans across multiple lenders, you can manage all your EMIs in one view on Oolka and get an alert when your credit score qualifies you for a lower-rate refinance offer.
Use the official channels above, or pay on Oolka to get cashback, EMI reminders, and a free credit score check.
InCred Customer Care
Contact InCred directly for EMI, account, or grievance queries:
Toll-free customer care: 1800-102-2192
Alternate customer care: 1860 500 2192
Grievance escalation: incred.grievance@incred.com
L1 contact (per InCred grievance policy): Ms. Rosy Dsouza, 022-42117799 - care@incred.com
Email: care@incred.com
WhatsApp: +91-882-627-2192
Registered office: Unit No. 1203, 12th Floor, B Wing, The Capital, Plot No. C-70, G Block, Bandra-Kurla Complex, Mumbai, 400051, Maharashtra
CIN: U67190MH1995PLC360817
For account-specific queries, log in to https://www.incred.com. https://www.incred.com → existing personal-loan customers log in through the InCred Finance app or the customer portal using their registered mobile number and OTP. SME / business customers and wealth clients log in through their dedicated InCred Wealth or InCred Premier platforms. The dashboard shows your active loan, EMI schedule, foreclosure quote, prepayment options, and account statement.
InCred Prepayment and Foreclosure
InCred Financial Services Limited allows part-prepayment and full foreclosure on its personal loans, SME loans, two-wheeler loans, and education loans, with charges varying by product. Per RBI rules, floating-rate loans to individual borrowers for non-business purposes cannot be charged foreclosure fees, but most InCred personal loans are fixed-rate, so foreclosure fees and GST do typically apply. To start the process, call 1800-102-2192 or email care@incred.com to request a pre-closure statement, then pay the outstanding amount and collect the NOC after closure. Before you foreclose, run the numbers on Oolka. It shows exactly how closing this InCred loan will move your credit score, since sometimes keeping the account open longer is better for your credit mix.
Why Pay InCred EMI on Oolka
Three things you get on Oolka that you do not get paying directly:
EMI reminders three days before the due date, so you never miss an EMI by accident.
Free credit score check, so you know how your EMI history is affecting your credit.
Cashback offers on select payments.
Most importantly, Oolka shows you exactly how an on-time InCred EMI moves your credit score, and what to do if you have already missed one.
Frequently Asked Questions about InCred
Other Lenders You Can Pay on Oolka
Oolka supports EMI payments for loans from these lenders too:
Belstar Microfinance
Bajaj Finserv
Hero Fin Corp
Bajaj Auto Finance
L&T Finance
Aditya Birla Capital
IDFC FIRST Bank
One app, one login, all your loan EMIs in one view.
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