SMFG India Credit — Digital Lending Partnerships & Profile
SMFG India Credit Company Limited. NBFC in India's digital lending ecosystem, with 20 tracked digital lending partnerships.
Snapshot
Reading the data
SMFG India Credit is an RBI-registered NBFC, rated CARE AAA / Stable, with ₹45,893 Cr in AUM as of 2025-03. Our Market Map tracks 20 digital lending partnerships for SMFG India Credit, including ADJ Utilities Private Limited (Khatabook), Angel One and Eduvanz Financing Private Limited. Product focus: personal loans, business/MSME loans, loans against property, vehicle finance, microfinance across tickets of ₹10K–₹5 Cr and tenures of 3–180 months. Worth knowing: Standalone AUM Mar 2025. Subsidiary of SMFG Japan. 65pct unsecured book. CoF not separately disclosed.
Products
Digital lending partnerships
| DLA / App | LSP / Owner | Available on |
|---|---|---|
| Khatabook credit account book | ADJ Utilities Private Limited (Khatabook) | Google Play Store |
| Khatabook Vyapar App | ADJ Utilities Private Limited (Khatabook) | Apple's app store |
| Angel One's Super App | Angel One | Apple's app store |
| Eduvanz Financing Private Limited | Eduvanz Financing Private Limited | Website |
| FlexiLoans: Business Loans | Epimoney Private Limited | Google Play Store |
| Turtlemint | Fintech Blue Solutions Private Limited | Website |
| Instant Approval Personal Loan | GC Web Ventures Pvt Ltd | Apple's app store |
| HT Digital | HT Digital Streams Limited | Website |
| Lendingkart Android Mobile App | Lendingkart Finance Limited | Google Play Store |
| Frame Technology Marketing Services Private Limited | Loan Frame Technologies Pte. Ltd. | Website |
| MoneyTap | MWYN Tech Private Limited | Apple's app store |
| Mobikwik: BHIM UPI & Wallet | One MobiKwik Systems Limited | Apple's app store |
| PAYTM FOR BUSINESS | One97 Communications Limited | Apple's app store |
| PAYTM: SECURE UPI PAYMENTS | One97 Communications Limited | Apple's app store |
| KISSHT: TRUSTED INSTANT LOANS | OnEMI Technology Solutions Private Limited | Google Play Store |
| PAY WITH RING: GET INSTANT LOANS ONLINE | OnEMI Technology Solutions Private Limited | Google Play Store |
| Paisabazaar Marketing and Consulting Pvt Ltd | Paisabazaar Marketing and Consulting Pvt Ltd | Website |
| Digital lending pages of PhonePe Lending on PhonePe Business: Merchant App | PhonePe Lending Services Private Limited | Apple's app store |
| BharatPe for Business | Resilient Digi Services Private Limited | Apple's app store |
| MONEY VIEW : LOANS PERSONAL LOAN APP, INSTANT LOAN | Whizdm Innovations Private limited | Apple's app store |
Frequently asked questions
Who are SMFG India Credit's digital lending partners?
SMFG India Credit has 20 digital lending partnerships tracked in the RBI digital lending registry, including ADJ Utilities Private Limited (Khatabook), Angel One, Eduvanz Financing Private Limited, Epimoney Private Limited.
What is SMFG India Credit's AUM and cost of funds?
SMFG India Credit reports AUM of ₹45,893 Cr (2025-03), per public filings and rating documents.
What products does SMFG India Credit offer through digital lending?
SMFG India Credit is active in personal loans, business/MSME loans, loans against property, vehicle finance, microfinance, with ticket sizes from ₹10K to ₹5 Cr.
How do I evaluate SMFG India Credit as a lending partner?
Run your product type, rate band, and ticket size through our Partner Finder to see whether SMFG India Credit fits your model, and compare alternatives on the Market Map.
Does SMFG India Credit fit your lending model?
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Primary source type: Rating-Rationale. Data confidence: High. Batch B2. Updated June 2026.
Data on this page is collated from public sources — the RBI Digital Lending App registry, rating agency rationales, and company disclosures — on a best-effort basis. Figures may be estimates (proxies are labelled), may be out of date, and may contain errors. Digital Lending.In makes no warranty of accuracy or completeness and accepts no liability for decisions made on this information. Nothing here is investment, legal, or partnership advice, or a recommendation of any institution. Verify independently before acting.