SMFG 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 20,000 employees, we reach our market by connecting with around 3.04 million customers, be it in cities, towns or villages, right at their doorstep. We penetrate deep inside the market through 826 branches, covering 670+ towns and approximately 70,000+ 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. 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$93.5 billion (as of 31st December 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
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Villages
*As on 30th June, 2026
**As on 15th August, 2026
Be the Company of choice in financial services for our customers, employees, communities and stakeholders, recognized for innovation and high ethical standards.
Agility is about being quick to respond to new ideas and situations, understanding change and rising to its challenges by remaining open and positive.
Note:You can also avail our contact-less options for raising requests & queries by either logging in to our customer portal or using our mConnect mobile app.
Insurance disclaimer SMICC is registered with the Insurance Regulatory and Development Authority of India (IRDAI) as a Corporate Agent. IRDAI Registration No.: [CA0098] CIN No. U65191TN1994PLC079235. The insurance policy is a contract between the customer and the insurance company, and policy is underwritten by insurance companies. SMICC acts only as the distributor and is not responsible for any risk, policy issuance, claim settlement/repudiation etc. Insurance is the subject matter of solicitation. Purchase of insurance is voluntary and subject to insurer underwriting and policy terms and conditions. Customers are advised to read the policy terms and conditions, benefits, exclusions, claim settlement carefully before purchase. Kindly note that “Insurance Products” are not mandatory for the purpose of the application and disbursement of loan. It shall be the sole discretion of the customer, by providing explicit consent, to avail such insurance along with the Loan.
Beware of Spurious calls/ Fraud phone calls IRDAI is not involved in activities like selling Insurance policies, announcing bonus or investment of premium. Public receiving such phone calls are requested to lodge a police complaint.
