Supply Chain Finance (SCF)

At SMFG India Credit, we offer competitive Supply Chain Finance (SCF) interest rates to help businesses unlock liquidity tied up in their trade receivables and payable cycles. Our SCF solutions are structured to be transparent, flexible, and cost‑effective, enabling buyers and suppliers to manage cash flows efficiently while maintaining strong trade relationships.

Currently, the interest rate for Supply Chain Finance ranges from 8% to 18%* per annum, depending on the transaction structure, counterparty profile, and credit assessment.

Schedule of Charges

Computation Logic for Interest, Late Payment Charges and other Charges

Accrual on a day-to-day basis and computed on the basis of actual number of days in a month / 365 days a year.

Treatment of Excess Funds

Where any funds received by SMFG India Credit are in excess of the outstanding amounts (including interest and charges), other than for the purpose of foreclosure of the Facility as communicated by the Borrower, then such excess/additional amount shall be refunded to Borrower’s registered bank account. No interest shall be payable by SMFG India Credit on such excess amount.