Digital Lending

    • KFS - EMI

    • KFS - EDI

This page consists details of products offered through our digital lending partners, and may not necessarily refer to products directly offered by SMFG India Credit. For information about products offered directly by SMFG India Credit to customers, please visit our Personal Loan, Loan Against Property, Business Loan, Loan Against Securities, Two Wheeler Loans, Commercial Vehicle Loans, Growing Enterprise Loan and Solidarity Group Loan pages.

Loan Details 

Loan Details

Consumer Loan (Term Loan): Unsecured term loans (no collateral required), for financing various needs, for salaried as well as self-employed customers. With rate of interest starting from 13% up to 33% per annum, term loans available for loan tenure up to 60 months. Customers can avail loans starting from ₹5,000 up to ₹30 Lakhs.

Business Loan (Merchant Cash Advance): Merchant Cash Advance (MCA) is an unsecured loan facility, catering to small businesses owners who require financing to meet their business needs. Smaller than a typical Business term loan, the MCA facility provides financing with loan ticket size starting from ₹1,000. Merchant Cash Advance loan is sanctioned to borrowers, basis details of their transactions or sales volumes.

Note: The Loan products listed here are exclusively offered through the Digital Partners of SMFG India Credit Co. Ltd.

Nature of Product

Tenure

Loan Amount

Rate of Interest (p.a.)

Repayment

#Pre-payment / Foreclosure

Consumer Loan (Term Loan)

3 - 60 months

₹5,000 - ₹30 Lakhs

13% - 33%

Monthly

Allowed

Business Loan (Merchant Cash Advance)

Up to 60 months

₹1,000 - ₹10 Lakhs

13% - 33%

EDI (Equated Daily Instalments)

Allowed

* The entire Principal amount is to be repaid by the Borrower as a lump sum payment, at the end of the loan tenure.

#Foreclosure charges (The below charges are indicative. Detailed break-up of charges will be a part of the Loan agreement):

In case of foreclosure of entire Loan with interest amounts outstanding, following will be the foreclosure charges:

  • 1 to 6 EMI’s fully paid: 6% of principal outstanding on day of pre-payment. 
  • 7 to 17 EMI’s fully paid: 5% of principal outstanding on day of pre-payment. 
  • 18 to 23 EMI’s fully paid: 4% of principal outstanding on day of pre-payment.
  • 24 to 35 EMI’s fully paid: 3% of principal outstanding on day of pre-payment. 
  • 36 or more EMI’s fully paid: no charges will be applicable.

Note: 

  • For Loans sanctioned prior to 31st December 2025 - No prepayment / foreclosure charges would be applicable on any floating rate term loan sanctioned to individual borrowers, with or without co-obligant(s);
  • Effective from 1st January 2026 - No prepayment charges will be applicable on any floating rate term loan, 
    • For purposes other than business to individual borrowers, with or without co-obligant(s));
    • For purposes of business to individual or MSE borrowers, with or without co-obligant(s), for sanctioned amount up to ₹ 50 lakh
    • No restriction on period for pre/part payment of the loan

Lender Details 

Lender Details

About SMFG India Credit: https://www.smfgindiacredit.com/about-us/overview.aspx

Partner details 

To view the complete list of SMFG India Credit’s Lending service providers (LSPs), Digital Lending Apps (DLAs), and Digital Lending Apps of Lending Service Providers, click here

Nodal Grievance Redressal officer 

Nodal Grievance Redressal officer

SMFG India Credit Nodal Grievance Redressal Officer

Address : SMFG India Credit Co. Ltd., Ground Floor, Embassy 247, Lal Bahadur Shastri Marg, Gandhi Nagar, Vikhroli (West), Mumbai, Maharashtra – 400083

Contact : 022-69581104

Email ID :  

Legal Entity/ Incorporated Name

Brand Name / Name of The Digital Lending App (If Any)

Category

Name & Designation

Address

Contact Details

Email ID

Eduvanz Financing Private Limited

Eduvanz - Quick Education Loans at Low Interest

LSP

Sarmisstha Hebbar, Grievance Redressal Officer

B/202, Times Square Building, Opp. Mittal Industrial Estate, Andheri Kurla Road, Andheri East, Mumbai - 400059

8591455383

[email protected]

Epimoney Private Limited

FlexiLoans: Instant Small Business Loan

LSP

Ms. Pranaali Sawant (Grievance Redressal Officer)

Epimoney Private Limited (FlexiLoans) 4th Floor, South Annexe, Tower 2, One World Centre, 841, Senapati Bapat Marg, Lower Parel, Mumbai, Maharashtra – 400 013

8879758863

[email protected]

One Mobikwik Systems Limited

MobiKwik

LSP & DLA of LSP

Prashant Gandhi (Nodal Officer), Deepak Gagneja (Principal Nodal Officer)

One MobiKwik Systems Limited Unit No. 102, 1st Floor, Block-B, Pegasus One, Golf Course Road, Sector-53, Gurugram, Haryana-122003, India

+918069898317

[email protected]

Mwyn Tech Private Limited

MoneyTap and FREO

LSP & DLA of LSP

Anjali Panwar Grievance Redressal Officer

G-405, 4th Floor – Gamma Block, Sigma Soft Tech Park Varthur, Kodi Whitefield Post, Bangalore – 560066

080-40974095

[email protected]

Moneyview Limited (Formerly known as Moneyview Private Limited and Whizdm Innovations Private Limited)

Moneyview: UPI, Personal Loans

LSP & DLA of LSP

Mr. Rishov Bhattacharjee,  Grievance Redressal Officer

17/1, 1st and 2nd floor, The Address Building, Outer Ring Road, Marathahalli, Kadubeesanahalli, Bellandur, Bangalore, Bangalore South, Karnataka, India, 560103

080-69390476

[email protected]

One97 Communications Limited

Paytm: Secure UPI Payments

LSP & DLA of LSP

Personal Loan: Aditya Ranade, Grievance Redressal Officer

Personal Loan: Skymark One, Shop No.1, Ground Floor, Tower-D, Plot No. H-10B, Sector 98, Noida, UP-201301

Personal Loan: 0120 5083345

Personal Loan: [email protected]

One97 Communications Limited

Paytm for Business 

LSP & DLA of LSP

Merchant Loan: Sahil Kapoor, Nodal Grievance Redressal Officer

Merchant Loan: Skymark One, Shop No.1, Ground Floor, Tower-D, Plot No. H-10B, Sector 98, Noida, UP-201301

Merchant Loan: 0120-5083345

Merchant Loan: [email protected]

Lendingkart Finance Limited

Lendingkart

LSP

Ms. Ajitha K, Senior Director – Customer Service

401, 4th floor, Iconic Shyamal, near Shyamal cross roads, Ahmedabad 380015

+91- 6358874622 – 10.30 am to 6.00 pm (Monday to Friday except National Holidays)

[email protected]

Frame Technology Marketing Services Private Limited

Loan Frame: Small Business Loans Made Easy for SMEs 

LSP

Mr. Akshun Gulati, Grievance Redressal Officer

2/15, 1st Floor, Adjacent to Patel Nagar Metro Station, West Patel Nagar, New Delhi - 110008

+91-11-4556 5124

[email protected]

OnEMI Technology Solutions Limited, Si Creva Capital Services Private Limited

Kissht: Trusted Instant Loans, Ring: Get Instant Loans Online

LSP & DLA of LSP

Si Creva: Munazza Sayyad (Grievance Redressal Officer) Vaishali Malviya (Principal Nodal Officer) OnEMI: Reefat Shaikh (Grievance Redressal Officer) Zaffar Khan (Principal Nodal Officer)

Si Creva: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Maharashtra 400070 OnEMI: 10th Floor, Tower 4, Equinox Park, LBS Marg, Kurla West, Mumbai, Maharashtra 400070

Si Creva: 08044745954 (Grievance Redressal Officer) 08044745953 (Principal Nodal Officer) OnEMI: 08044745952 (Grievance Redressal Officer) 08044745951 (Principal Nodal Officer)

Si Creva:[email protected] (Grievance Redressal Officer) [email protected] (Principal Nodal Officer) OnEMI:[email protected] (Grievance Redressal Officer) [email protected] (Principal Nodal Officer)

Angel One Limited

Angel One

LSP & DLA of LSP

Gable Fernandes, Nodal Grievance Redressal Officer

601 6th Floor, Ackruti Star, Central Road - MIDC, Andheri (E), Mumbai - 400 093

1800 1020

[email protected]

Resilient Digi Services Private Limited

BharatPe Money

LSP & DLA of LSP

Mr. Pushpender Kumar, Nodal Grievance Redressal Officer

7th and 12th Floor, Building 8C, DLF Cyber City, Phase 2, Gurugram, Haryana - 122008

+91-9899355922

[email protected]

Paisabazaar Marketing and Consulting Pvt Ltd

Paisabazaar

LSP & DLA of LSP

Jyotsna Popli, Nodal Grievance Redressal Officer

Plot No. 135P, Sector 44, Gurgaon-122001

0124-3509999

[email protected]

GC Web Ventures Pvt Ltd

IndiaLends

LSP & DLA of LSP

Yojana Kumari (Grievance Redressal Officer (“GRO”))

GC Web Ventures Private Limited, plot no. 31, 1st & 2nd Floor, Sector 18, Udyog Vihar, Gurugram, Haryana – 122015

0124-6983600

[email protected]

ADJ Utility Apps Private Limited

Khatabook Credit Account Book

LSP & DLA of LSP

Yogesh Pawde (Grievance Redressal Officer)

1539, 18th Cross Road, Sector 3, HSR Layout, Bengaluru, Karnataka, India, 560102

+91-9606800800

[email protected]

Fintech Blue Solutions Private Limited

TurtlemintPro - Sell Insurance

LSP & DLA of LSP

Mr. Sumit Kapoor (Grievance Officer)

The ORB - Sahar, 4, 4 A, 1st Floor, A Wing, Marol Village, Andheri (East), Mumbai - 400 099, Maharashtra, India

8828536389

[email protected]

PhonePe Lending Services Private Limited

PhonePe Business: Merchant App

LSP & DLA of LSP

Ms. Rithvi Somani (Grievance Redressal Officer)

Office-2, Floor 4,5,6,7, Wing A, Block A, Salarpuria Softzone, Service Road, Green Glen Layout, Bellandur, Bangalore, Karnataka – 560103

080-68727374

[email protected]

HT Digital Streams Limited

Mint Money

LSP & DLA of LSP

Mr. Neelabh Vikram Mall (Business Head - Financial Services)

HT Digital Streams Limited, 5th Floor, Lotus Tower, A Block, Community Centre, New Friends Colony, New Delhi- 110025

0124 - 4118763

[email protected]

Finzoomers Services Private Limited

INDmoney: Stocks, Mutual funds

LSP & DLA of LSP

Ms. Divya Maheshwari (Grievance Redressal Officer)

624-625,6th Floor, Suncity Success Tower, Golf Course Extension Road, Sector-65, Gurugram- 122005

08069494749

[email protected]

Google India Digital Services Private Limite

Google Pay: Secure UPI payment

LSP & DLA of LSP

Sascha Baljeet Gill (Nodal Grievance Redressal Officer)

Level 7, FIFC Building, Plot No. C-54 and 55, G Block BKC, Bandra East, Mumbai, Maharashtra 400098

1-800-419-0157

[email protected]

Dreamplug Technologies Private Limited

CRED (Prefr)

LSP & DLA of LSP

Mr. Sumit Sharma (Head of Operations)

2nd Floor, Block 2, My Home Hub, Hitech City Rd, Hyderabad, Telangana 500081

040-69882777

[email protected]

FPL Consumer Services Private Limited

OneScore

LSP & DLA of LSP

Mr. Ketan Kulkarni (Nodal Grievance Redressal Officer)

West Bay, 6th Floor, Survey No. 278. Hissa No. 4/3, Baner Gaon, Pune - 411045, Maharashtra, India

9175401104

[email protected]

Scapic Innovations Private Limited

super.money

LSP & DLA of LSP

Mr. Rahul Sharma (Legal Counsel)

Ground Floor, Scapic Innovations Private Limited, Shilpitha Tech Park, SY NO: 55, 3 & 55/4, Devarabisanahalli, Bellandur, Bengaluru, Karnataka 560103

080-69171120

[email protected]

Customer Service Details 

Customer Service Details

SMFG India Credit Customer Service:

Contact: 1800 103 6001 (Mon-Sat 9:00 AM to 7:00 PM, except public holidays & 4th Saturday of the month)

Email:  

For Grievance redressal mechanism click here

Legal Entity/ Incorporated Name

Brand Name / Name of The Digital Lending App (If Any)

Category

Customer Service (Mobile/Landline)

Customer Service (Email)

Eduvanz Financing Private Limited

Eduvanz - Quick Education Loans at Low Interest

LSP

022 - 6480 4550

[email protected]

Epimoney Private Limited

FlexiLoans: Instant Small Business Loan

LSP

07948061722 (10 AM to 7 PM)

[email protected]

One Mobikwik Systems Limited

MobiKwik

LSP & DLA of LSP

080 69808320 (Mon - Sat 9 AM to 8 PM )

Click Here

Moneyview Limited (Formerly known as Moneyview Private Limited and Whizdm Innovations Private Limited)

Moneyview: UPI, Personal Loans

LSP & DLA of LSP

080 6939 0476

[email protected]

One97 Communications Limited

Paytm: Secure UPI Payments

LSP & DLA of LSP

Personal Loan: Available through 24*7 Help and Support on the Paytm App

Personal Loan: Available through 24*7 Help and Support on the Paytm App

One97 Communications Limited

Paytm for Business Paytm

LSP & DLA of LSP

Merchant Loan: 0120-5083345

 

[email protected]

Mwyn Tech Private Limited

MoneyTap and FREO

LSP

-

[email protected]

Lendingkart Finance Limited

Lendingkart

LSP

1800 572 0202

[email protected]

Frame Technology Marketing Services Private Limited

Loan Frame: Small Business Loans Made Easy for SMEs

LSP

+91-11-4556 5124

[email protected]

OnEMI Technology Solutions Limited, Si Creva Capital Services Private Limited

Kissht: Trusted Instant Loans, Ring: Get Instant Loans Online 

LSP & DLA of LSP

Call: 022 62820570 / 022 48914921 (9:30 am to 6:30pm) Chat: 022 48913631 (9:30 am to 6:30pm)

[email protected]

Resilient Digi Services Private Limited

BharatPe Money

LSP & DLA of LSP

+91-8882555444

[email protected]

Paisabazaar Marketing and Consulting Pvt Ltd

Paisabazaar

LSP & DLA of LSP

Contact No: 1800 208 8877 WhatsApp Contact No: 851 009 3333

[email protected]

GC Web Ventures Pvt Ltd

IndiaLends

LSP & DLA of LSP

Contact No: 0124-6983600

[email protected]

ADJ Utility Apps Private Limited

Khatabook Credit Account Book

LSP & DLA of LSP

+91-9606800800

[email protected]

PhonePe Lending Services Private Limited

PhonePe Business: Merchant App

LSP & DLA of LSP

080-68727777 / 022- 68727777

NA

Fintech Blue Solutions Private Limited

TurtlemintPro - Sell Insurance

LSP & DLA of LSP

18002660101

[email protected]

HT Digital Streams Limited

Mint Money

LSP & DLA of LSP

0124 - 4118763

[email protected]

Finzoomers Services Private Limited

INDmoney: Stocks, Mutual funds

LSP & DLA of LSP

08069494749 (Monday to Friday, 10:00am- 7:00pm)

[email protected]

Google India Digital Services Private Limite

Google Pay: Secure UPI payment

LSP & DLA of LSP

1-800-419-0157

[email protected]

Dreamplug Technologies Pvt. Ltd.

CRED (Prefr)

LSP & DLA of LSP

040-69881555

[email protected]

FPL Consumer Services Private Limited

OneScore

LSP & DLA of LSP

NA

[email protected]

Scapic Innovations Private Limited

super.money

LSP & DLA of LSP

080-69171120

[email protected]

Collection Associates/Agencies 

COLLECTION ASSOCIATES OF SMFG India Credit DIGITAL PARTNERS

Legal Entity/ Incorporated Name

Brand Name / Name of The Digital Lending App (If Any)

Category

Link to the Collection Agencies of Digital Partner

Eduvanz Financing Private Limited

Eduvanz - Quick Education Loans at Low Interest

LSP

Click here

One MobiKwik Systems Limited

MobiKwik

LSP & DLA of LSP

Click here

Moneyview Limited (Formerly known as Moneyview Private Limited and Whizdm Innovations Private Limited)

Moneyview : UPI, Personal Loans

LSP & DLA of LSP

Click here

One97 Communications Limited

Paytm for Business Paytm: Secure UPI Payments

LSP & DLA of LSP

Click here

Epimoney Private Limited

FlexiLoans: Instant Small Business Loan

LSP

Click here

NeoGrowth Credit Private Limited

NeoGrowth Credit - SME Business Loans

Direct Sales Agent

Click here

Paysense Services India Private Limited

PaySense: Instant Personal App

Direct Sales Agent

Click here

Ambit Finvest Private Limited

Ambit Finvest

Direct Sales Agent

Click here

Lendingkart Finance Limited

Lendingkart

LSP

Click here

Resilient Digi Services Private Limited

BharatPe Money

LSP & DLA of LSP

Click here

OnEMI Technology Solutions Limited, Si Creva Capital Services Private Limited

Kissht: Trusted Instant Loans, Ring: Get Instant Loans Online

LSP & DLA of LSP

Click here

Frame Technology Marketing Services Private Limited

Loan Frame: Small Business Loans Made Easy for SMEs

LSP

Click here

ADJ Utility Apps Private Limited

Khatabook Credit Account Book

LSP & DLA of LSP

Click here

Mwyn Tech Private Limited

MoneyTap

LSP

Click here

PhonePe Lending Services Private Limited

PhonePe Business: Merchant App

LSP & DLA of LSP

Click here

Arthashastra Fintech Private Limited Address

ePayLater

LSP

Click here

Dreamplug Technologies Pvt. Ltd.

CRED (Prefr)

LSP & DLA of LSP

Click here

FPL Consumer Services Private Limited

OneScore

LSP & DLA of LSP

Click here

Sachet Portal Links 

Privacy Policies 

Privacy Policies

SMFG India Credit Privacy Policy

Legal Entity/ Incorporated Name

Brand Name / Name of The Digital Lending App (If Any)

Category

Privacy Policy

Eduvanz Financing Private Limited

Eduvanz - Quick Education Loans at Low Interest

LSP

https://eduvanz.com/legal

Epimoney Private Limited

FlexiLoans: Instant Small Business Loan

LSP

https://flexiloans.com/regulatory

One MobiKwik Systems Limited

MobiKwik

LSP & DLA of LSP

https://www.mobikwik.com/privacypolicy

Mwyn Tech Private Limited

MoneyTap and FREO

LSP & DLA of LSP

https://www.moneytap.com/privacy-policy.html

Moneyview Limited (Formerly known as Moneyview Private Limited and Whizdm Innovations Private Limited)

Moneyview: UPI, Personal Loans

LSP & DLA of LSP

https://moneyview.in/privacy-policy-loans

One97 Communications Limited

Paytm for Business Paytm: Secure UPI Payments

LSP & DLA of LSP

https://paytm.com/company/terms-and-conditions?company=one97&tab=lending-privacy-policy

Lendingkart Finance Limited

Lendingkart

LSP 

https://www.lendingkart.com/privacy/

Frame Technology Marketing Services Private Limited

Loan Frame: Small Business Loans Made Easy for SMEs

LSP

https://www.loanframe.com/privacy.html

OnEMI Technology Solutions Limited,
Si Creva Capital Services Private Limited

Kissht: Trusted Instant Loans, Ring: Get Instant Loans Online 

LSP & DLA of LSP

https://www.kissht.com/privacy-policy

Resilient Digi Services Private Limited

BharatPe Money

LSP & DLA of LSP

https://www.bharatpemoney.com/documents/Updated---Privacy-Policy---RDSPL.pdf

 

Paisabazaar Marketing and Consulting Pvt Ltd

Paisabazaar

LSP & DLA of LSP

https://www.paisabazaar.com/privacy-policy

Angel One Limited

Angel One

LSP & DLA of LSP

https://www.angelone.in/privacypolicy-digital-lending

GC Web Ventures Pvt Ltd

IndiaLends

LSP & DLA of LSP

https://indialends.com/privacy-policy

ADJ Utility Apps Private Limited

Khatabook Credit Account Book

LSP & DLA of LSP

https://khatabook.com/lending-terms

Fintech Blue Solutions Private Limited

TurtlemintPro - Sell Insurance

LSP & DLA of LSP

https://www.turtlemint.com/privacy/

PhonePe Lending Services Private Limited

PhonePe Business: Merchant App

LSP & DLA of LSP

https://www.phonepe.com/privacy-policy

HT Digital Streams Limited

Mint Money

LSP & DLA of LSP

https://www.livemint.com/lm-img/financial-services/privacy-policy.html

Finzoomers Services Private Limited

INDmoney: Stocks, Mutual funds

LSP & DLA of LSP

 

https://www.indmoney.com/page/instacashpp

Google India Digital Services Private Limite

Google Pay: Secure UPI payment

LSP & DLA of LSP

https://pay.google.com/intl/en_in/about/terms/

Dreamplug Technologies Pvt. Ltd.

CRED (Prefr)

LSP & DLA of LSP

https://prefr.com/privacy_policy

FPL Consumer Services Private Limited

OneScore

LSP & DLA of LSP

https://www.onescore.app/privacy/

Scapic Innovations Private Limited

super.money

LSP & DLA of LSP

https://super.money/privacy-policy

KFS - EMI

KFS - EMI Calculator

KFS - EDI

KFS - EDI Calculator

APR Calculator

Annual Percentage Rate (APR) is the all-inclusive annualized rate applicable to the borrower for their digital loan. The rate includes charges such as cost of funds, credit and verification costs, operating cost, maintenance charges, processing fees, etc. It excludes any contingent charges applicable to the loan as late payment fees, penal charges, loan cancellation fees, etc.

`
25010,00,00,000
Months
3 Months60 Months
%
0%33%

Enter the amount you had to pay towards processing fees, insurance, etc. while taking the loan

Your Calculated EMI*

 

Net Disbursed Amount

0

APR

Disclaimer This calculator is for your information & knowledge only, and must not be construed as professional advice or guarantee of a loan. Actual terms of the loan will depend on the agreement between the borrower and SMFG India Credit.

Term Loan - EMI Calculator

`
5,00075,00,000
Months
3 Months60 Months
%
0%33%

Enter the amount you had to pay towards processing fees, insurance, etc. while taking the loan

`

Your Calculated EMI*

 0

Net Disbursed Amount

0

APR

0

To view vernacular version of the KFS and Loan agreement, click here

Term Loan - EDI Calculator

`
5,00075,00,000
Days
901,800
%
0%33%

Enter the amount you had to pay towards processing fees, insurance, etc. while taking the loan

`

Your Calculated
Equated Daily Installment (EDI)

 0

Net Disbursed Amount

0

APR

0

Line of Credit - Bullet Repayment

`
25,0002,00,000
%
13%33%
Days

Date of Repayment  

Amount disbursed  25000

Interest to be charged  

Amount to be Repaid (at the end of Tenure)

 

Disclaimer The above calculator and table is for illustrative purposes only and provides an approximate calculation of dues and repayment schedule. The actual terms of the loan may vary as per the Loan agreement between the borrower and SMFG India Credit.

* The entire Principal amount is to be repaid by the Borrower as a lump sum payment, at the end of the loan tenure.

Buy Now Pay Later (BNPL) - Bullet repayment

`
20,00060,000
%
1%3%

Billing Date  

Due Date  

Amount disbursed  20000

Convenience Fees to be charged  

Amount to be repaid on due date  

Disclaimer The above calculator and table is for illustrative purposes only and provides an approximate calculation of dues and repayment schedule. The actual terms of the loan may vary as per the Loan agreement between the borrower and SMFG India Credit.

Note: Convenience charge is calculated based on the amount utilized per month

Line of Credit (Bullet repayment*)

`
1,0005,00,000
%
0%33%
Days
15 Months90 Months

Date of Maturity  

Amount disbursed  20000

Interest to be charged  

Amount to be Repaid (at the end of Tenure)

 

* The entire Principal amount is to be repaid by the Borrower as a lump sum payment at the end of the loan tenure

Disclaimer The above calculator and table is for illustrative purposes only and provides an approximate calculation of amount due and repayment schedule. The actual terms of the loan and any charges/fee, may vary as per the Loan agreement between the borrower and SMFG India Credit.