SMFG India Credit Company Limited online EMI payments
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SMFG India Credit Company Limited Loan EMI Payment
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About SMFG India Credit Company Limited
SMFG India Credit Company Limited is the rebranded Indian operating NBFC of Sumitomo Mitsui Financial Group (SMFG), one of Japan's largest financial services groups. It was formerly known as Fullerton India Credit Company Limited and was renamed after SMFG completed the acquisition. The company was incorporated on 30 August 1994 under the Companies Act, 1956, and is registered with the Reserve Bank of India as an NBFC. SMFG India Credit serves retail and SME borrowers across India with personal loans, business loans, two-wheeler loans, home loans, and loans against property. The company's CIN is U65191TN1994PLC079235 and it is registered with the Registrar of Companies, Chennai.
Personal loan
Business loan (SME, MSME, unsecured working capital)
Two-wheeler loan
Loan against property (LAP)
Home loan (via SMFG Grihashakti / SMFG India Home Finance)
Used car loan
Rural loans (kiranas, micro-enterprise lending)
Top-up loan for existing borrowers
Loan against securities
These are the loan products SMFG India Credit Company Limited offers across India.
How to Pay SMFG India Credit Company Limited EMI Online
You can pay your SMFG India Credit Company Limited EMI through several channels:
SMFG India Credit m-Connect app: pay EMI, view loan account, prepayment options (Android and iOS)
Customer Portal: smfgindiacredit.com login for online EMI payment, loan account view, and statement download
BBPS: pay SMFG India Credit EMI on Google Pay, PhonePe, Paytm, or any UPI app under the "Loan EMI" biller category, searching for SMFG India Credit or Fullerton India
NACH auto-debit: default for most loans, deducted from your registered bank account on the EMI due date
NEFT / RTGS / IMPS: to the loan-specific account number from your sanction letter
**Debit card / net banking** via the customer portal
Cheque: at SMFG India Credit branches (limited acceptance, confirm in app or with helpline first)
**Track SMFG India Credit 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.
SMFG India Credit Company Limited Customer Care
Contact SMFG India Credit Company Limited directly for EMI, account, or grievance queries:
Customer care toll-free: 1800 103 6001 (timings from 9 a.m.)
Grievance escalation: Borrowers can escalate complaints first through the m-Connect app, then via email, then through the Nodal Officer matrix published on smfgindiacredit.com (Grievance Redressal page)
Email: namaste@smfgindia.com
Registered office: . SMFG India Credit operates a major corporate office in Mumbai
Customer Portal: https://www.smfgindiacredit.com (Customer Login section)
CIN: U65191TN1994PLC079235
For account-specific queries, log in to https://www.smfgindiacredit.com. https://www.smfgindiacredit.com (Customer Portal section). SMFG India Credit customer portal where existing Fullerton India / SMFG India Credit borrowers see their loan account number, EMI schedule, next due date, outstanding principal, prepayment options, foreclosure quote, and statement download. The same login also works on the SMFG India Credit m-Connect mobile app.
SMFG India Credit Company Limited Prepayment and Foreclosure
SMFG India Credit Company Limited allows part-prepayment and full foreclosure on most loans after the initial lock-in period stated in your sanction letter. Foreclosure and part-prepayment charges vary by product. Personal loans, business loans, and loans against property each carry different fees. Per RBI rules, floating-rate home loans and LAP to individual borrowers cannot be charged foreclosure fees. For fixed-rate personal and business loans, SMFG India Credit can levy a prepayment charge on the outstanding principal. Check the exact charge percentage on the schedule of charges in the m-Connect app or your sanction letter before paying. Before you foreclose, run the numbers on Oolka. It shows exactly how closing this SMFG India Credit loan will move your credit score, since sometimes keeping the account open longer is better for your credit mix.
Why Pay SMFG India Credit Company Limited 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 SMFG India Credit Company Limited EMI moves your credit score, and what to do if you have already missed one.
Frequently Asked Questions about SMFG India Credit Company Limited
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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