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

How to Pay your SMFG India Credit EMI Online?

Published on Jun 25, 2020Updated on Jan 29, 2024

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 [email protected]

Features & Benefits of SMFG India Credit Online Payment

With the world at our fingertips, it is easy to accomplish many of our daily tasks online. By using the SMFG India Credit online payment system, applicants can avail of a variety of benefits, including,

  • Boosting better relationships with lending institutions: Paying your dues on time certainly attracts lenders' attention, increasing their faith in your diligence. To reduce your worries, you can set up a custom EMI alert and track your due installments using the online payment system.
  • Managing debt becomes easier: Online repayment systems allow you to plan your EMIs to fit your financial profile. Additionally, these platforms provide a detailed derivation of your monthly EMIs to help you pinpoint different charges. You can use these inputs to plan your monthly payments accordingly.
  • Better CIBIL score: This is a unique numerical indicator of an individual’s creditworthiness. Lenders typically assess your credibility with the CIBIL score, which is derived from your credit behaviour. Making timely EMI payments boosts your CIBIL score and sets the foundation for more advantageous loan terms in the future.

Modes of SMFG India Credit online EMI payments

With SMFG India Credit, you no longer have to feel limited when it comes to paying your EMIs. We offer you the flexibility and convenience of making online payments through a variety of methods. This means you can always pick a payment method that works best for you, making the process more convenient and hassle-free.

Mobile Applications

You can utilize mobile apps offered by banks or payment platforms like Paytm, PhonePe, Google Pay, or Apple Pay. These apps enable quick, secure transactions via smartphones. You can leverage features like QR codes and direct transfers and view your loan payment details anywhere and anytime.

Bank transfer or NEFT

The National Electronic Funds Transfer (NEFT) allows online fund transfers between bank accounts within India. It operates in batches and is widely used for secure and hassle-free transactions. You simply have to set up an auto-debit instruction, after which the bank will automatically transfer your EMI to the concerned lender.

Online Wallets

Digital payment platforms such as PayPal, Venmo, Amazon Pay or Paytm securely store funds and payment details for convenient online transactions. They are versatile in use and allow seamless transfers of money while often providing rewards or cashback as incentives.

Credit or Debit Cards

These cards easily fund online transactions as they are connected to your bank account. With credit cards, you have a flexible line of credit, while debit cards offer the convenience and safety of direct withdrawals from your associated bank account.


As technology continues to shape our world, the availability of online payment options for SMFG India Credit EMI offers a streamlined approach to managing financial transactions. This convenient method allows individuals to easily handle their credit commitments, whether at home or on the go. The adoption of online payment systems not only promotes punctual EMI payments but also encourages financial responsibility and well-being.

* Please note that this article is for your knowledge only. Loans are disbursed at the sole discretion of SMFG India Credit. Final approval, loan terms, disbursal process, foreclosure charges and foreclosure process will be subject to SMFG India Credit's policy at the time of loan application. If you wish to know more about our products and services, please contact us


How to make SMFG India Credit online payment?

To simplify your online payments with SMFG India Credit, follow these simple steps:

  • Go to the official website of SMFG India Credit.
  • Feed your login credentials to access your account.
  • Click on "Pay EMI" and select your preferred mode.
  • Enter the necessary details and complete the payment.

How to check SMFG India Credit EMI payment status?

To get an update on the EMI status, log in to your SMFG India Credit account. Press on "Loan Account" and select your loan type. Your EMI statement and payment history will be visible.

What are the different payment modes available at SMFG India Credit EMI Payment?

You can now make your EMI payments by choosing any of the methods below:

  • Net Banking
  • Debit Card
  • Credit Card
  • Paytm Wallet
  • ECS (Auto-Debit)

    Can I pay my SMFG India Credit EMI after the due date?

    It is ideally preferable that you pay your EMI well in advance to avoid any last-minute complications. Payments made after the designated date can attract additional charges as a penalty.

    Can we pay EMI through net banking?

    Yes. You can schedule your monthly instalments by using the NEFT mode of payment.

    How can I pay my EMI if I missed it?

    If you missed making an EMI payment, you can pay the missed EMI as soon as possible with late payment charges. You can reach out to SMFG India Credit for assistance.

    How can I clear my EMI early?

    You can make prepayments to clear your EMIs early. Reach out to SMFG India Credit customer support for more details.

    Can I cancel EMI and pay the full amount?

    Yes, you can cancel the EMI and pay the full amount at once. This will certainly help you save on your interest and additional charges.

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