How to Pay your SMFG India Credit EMI Online?

To understand the steps involved in making your SMFG India Credit EMI payment online, it is particularly important to understand the concept of Loan Account Number:

What is a Loan Account Number?

The Loan Account Number is a unique 14 digit code that acts as a reference to your loan account with SMFG India Credit. It differentiates your loan account from other loan accounts with SMFG India Credit. This specific number is displayed at the top of your monthly statement and can also be viewed on your dashboard whenever you log in to our customer service portal. It will help our customer service representative to pull out and extract your details from our records easily in case you raise any queries online,through our customer care centre, or at our branches spread far and wide across India.

Steps to Make your EMI Payment Online

Here are the steps involved in making your SMFG India Credit EMI payment online

• To opt for SMFG India Credit pay online feature, please visit the smfgindiacredit.com. Click on the “Quick Links” menu on the top right and select “Pay EMI”.
• You will be redirected to the payment page. 
• Here, you will be asked to type in your Loan Account Number in order to fetch the Payable amount or the outstanding loan amount.
• You can then either choose to pay the entire payable amount, the monthly EMI obligation, or any custom amount. You must bear in mind if you are opting to pay an amount greater than your monthly EMI obligation, prepayment charges will be applicable. If you opt to pay an amount less than your monthly obligation, interest charges will be applied to the outstanding loan amount.
• You are then required to enter your phone number and email ID registered with SMFG India Credit.
• You will be presented with two payment modes i.e PayTM and Billdesk
• If you select PayTM as your payment mode, you will be provided with further options such as BHIM UPI, debit card, and net banking. You can also login to your PayTM account and use your saved options for payment including your PayTM wallet. However, please bear in mind you cannot use this option for payment of all SMFG India Credit loans.
• If you opt for BillDesk as the payment option, you will be taken to the payment gateway page. Here, you would be provided with further options of Netbanking, Debit Card, Google Pay or UPI/wallets as per your liking.

To make things simpler, you can also select the ECS facility to auto-debit your monthly EMI payment obligation on a particular day of the month. To do this, you can raise a request through the Service Connect portal or via the Contact Us section.

Please bear in mind at the moment we don’t accept online payment through Credit card or other phone payment apps like PhonePe.

If you have any other queries or require more details, you can contact us anytime at SMFG India Credit customer care. You can also email us at  

Features of Online Payment

• Easy, Quick and Effective

Your unique LAN account number enables us to pull out any information related to your loan account from any part of the country. Your unique LAN number does away with complex verification, tedious documentation and saves a lot of time. Thus, you can now make your EMI payment conveniently from the comfort of your home without having to visit a branch at all. 

• Hassle-free Payment

You can make the monthly EMI payment without any hassles in mere few clicks. If you select the ECS option, there will be no need for any manual intervention, and the EMI payment will be auto-debited from your account saving you from the tedious task of making the EMI payments online every month when it's due.

• Flexibility in Payments

SMFG India Credit provides the flexibility to make customised payments depending upon your current financial situation. In case your financial situation is grim and you are unable to meet the payment obligation, you can simply opt for a lower amount. Conversely, if you have additional cash in your account and you can afford to pay an amount higher than the monthly EMI obligation to lessen the burden for the next month, you can opt to do so. Do note that for both these options, conditions of part payments / foreclosure apply.

• All-round Support

The process to make EMI payment online is seamless. However, at any point, if you have any queries or require further assistance, you are welcome to email us at   or call us anytime from 9.00 am to 7 pm (except Sundays and public holidays) at our customer care number 18001036001 . We will ensure that all your queries are answered and assist you to the best of our abilities during the whole process of online payment. 

We are committed to providing you with a memorable user experience by making the procedure of online EMI payment easy, effective and quick that will compel you to come to us again and again and utilise our wide gamut of online services.