Fullerton India Credit Co. Ltd. is Now SMFG India Credit Co. Ltd.

Overview of SMFG India Credit

SMFG India Credit Co. Ltd. (Formerly Fullerton India Credit Co. Ltd.), is registered as an NBFC - Investment and Credit Company (NBFC-ICC) with the Reserve Bank of India, and is a member of SMBC Group. SMFG India Credit started its India operations in 2007, and is today a leading NBFC with a pan India presence. Working together with over 19,400 employees, we reach our market by connecting with around 2.7+ million customers, be it in cities, towns or villages, right at their doorstep. We penetrate deep inside the market through 822 branches, covering 600+ towns and approximately 65,000+ villages. We operate in the niche sectors and provide financial access to the underserved and unserved segments. By doing so, we have introduced people to formal credit.

The firm has invested in technology and digital capabilities to enhance customer and stakeholder experience, and paved the way for – Pragati Ki Nayi Pehchaan. This echoes our core values and ethos of making things simpler, in our journey to empower people. We remain gender neutral and do what is right for the community.

Our primary services constitute financing of SME for working capital and growth, loans for commercial vehicles and two-wheelers, home improvement loans, loans against property, personal loans, working capital loans for urban self-employed, loans for rural livelihood advancement, rural housing finance and financing of various rural micro enterprises.


Sumitomo Mitsui Financial Group (SMFG)

Sumitomo Mitsui Financial Group (SMFG) holds 100% stake in SMFG India Credit Co. Ltd. (Formerly Fullerton India Credit Co. Ltd.) and is one of the largest global banking and financial service groups, offering a diverse range of financial services including commercial banking, leasing, securities and consumer finance with a heritage exceeding 400 years in Japan. SMFG is listed on the Tokyo and New York (via ADR) Stock Exchanges and has a market capitalization of approximately US$77.5 billion (as of 29th March 2024). SMFG is one of the global systemically important banks (G-SIBs) and has high credit ratings of A1 by Moody’s Investors Service and A- by Standard & Poor’s.

  • Launched Commercial Operations In 2007


    Launched Commercial Operations

  • 822**


  • 19,400+*


  • 70,000+**


  • ISO

*As on 31st March, 2024
**As on 15th April, 2024


Be the Company of choice in financial services for our customers, employees, communities and stakeholders, recognized for innovation and high ethical standards.

Our Vision


  • We are a responsible financial services partner
  • We drive Financial Inclusion
  • We foster innovation in everything we do
  • We deliver product and solutions for
Our Mission


Agility is about being quick to respond to new ideas and situations, understanding change and rising to its challenges by remaining open and positive.

Our Values