Last verified: 5 October 2026 against RBI’s NBFC register and RBI’s list of Digital Lending Apps.
Short answer: Yes. SMFG India Credit Company Limited is an NBFC registered with the Reserve Bank of India. As of 5 October 2026, it had reported 27 digital lending apps to RBI, working with 20 lending service providers.
SMFG India Credit Company Limited at a glance
| Detail | What the official sources say |
|---|---|
| RBI registration | Registered NBFC (on RBI’s list as on 30 Jun 2026) |
| Corporate Identification Number (CIN) | U65191TN1994PLC079235 |
| Regulatory tier | Middle layer (larger NBFCs, with stricter RBI rules) |
| RBI regional office | Chennai |
| Former name | Fullerton India Credit Company Limited |
| Lending apps reported to RBI | 27 |
| Lending service providers | 20 |
| Website | https://www.smfgindiacredit.com/digital-lending-partner.aspx?tab=loan_details |
Loan apps SMFG India Credit Company Limited lends through
Largest apps on RBI’s list (25 of 27 shown, by Play Store installs):
- Google Pay: Secure UPI payment
- PAYTM: SECURE UPI PAYMENTS
- Angel One’s Super App
- Digital lending pages of PhonePe Lending on PhonePe Business
- Mobikwik: BHIM UPI & Wallet
- Khatabook credit account book
- PAYTM FOR BUSINESS
- super.money
- BharatPe for Business
- Freo
- OneScore
- Lendingkart Android Mobile App
- Mint:Market & News
- Prefr
- SMFG India Credit mConnect 2.0
- Google Pay: Save, Pay, Manage
- INDmoney: Stocks, Mutual Funds
- Instant Approval Personal Loan
- Khatabook Vyapar App
- Kissht
- Kissht IOS
- MONEY VIEW : LOANS PERSONAL LOAN APP, INSTANT LOAN
- Paisabazaar Marketing and Consulting Pvt Ltd
- Ring
- SMFG India Credit Company limited
Why this matters: if you borrowed through any of these apps, your loan agreement, Key Fact Statement and CIBIL report may show SMFG India Credit Company Limited as the lender, not the app’s name.
Saw SMFG India Credit Company Limited on your CIBIL report?
- Check which app loans you have taken, and their KFS.
- Match the loan amount and date with your app history, SMS or email.
- Can’t match it? Raise a dispute with the credit bureau and write to the lender’s grievance officer.
Repaying more than one app loan? See if one loan could clear them – one lender, one EMI.
Complaints
- First step: write to the lender’s grievance redressal officer (details on its website: https://www.smfgindiacredit.com/digital-lending-partner.aspx?tab=loan_details).
- Not resolved in 30 days, or rejected? Escalate to the RBI Integrated Ombudsman at cms.rbi.org.in.
- Harassment or fraud: report at cybercrime.gov.in or call 1930.
Frequently asked questions
Is SMFG India Credit Company Limited RBI registered?
Yes. It appears on RBI’s list of registered NBFCs with CIN U65191TN1994PLC079235.
Is SMFG India Credit Company Limited a bank?
No. It is a non-banking financial company (NBFC). NBFCs can lend, but are regulated differently from banks.
Why is SMFG India Credit Company Limited on my credit report when I used a loan app?
Apps are front ends. The regulated lender behind your loan reports it to credit bureaus under its own name.
Change log
| Date | Change |
|---|---|
| 5 Oct 2026 | Page created. 27 lending apps on RBI’s DLA list. |
Disclosure
FundsTiger (Gatimaan Finance Advisors Pvt. Ltd.) is a loan marketplace and lending service provider for RBI-regulated lenders. Aparampaar Finance Pvt. Ltd. (Omozing), one of those lenders, is a related party of FundsTiger. FundsTiger is not affiliated with the lender on this page unless stated. This page is for information only and is not financial advice.