Home Credit India — review & key facts

Non-banking financial company (NBFC) · loans issued by Home Credit India Finance Private Limited

✓ Regulated entity identified

Visit Home Credit India's official site →

Last checked 21 Aug 2026

Fact sheetevery field shows its verification state — no silent blanks

Public name

Home Credit India

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Legal lender

Home Credit India Finance Private Limited

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App ↔ entity relationship

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∅ Not applicable

RBI evidence

Site describes Home Credit India as an 'RBI Registered NBFC' and a 'trusted NBFC in India'.

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Loan amount

₹10,000 to ₹4.8 Lakhs (₹4,80,000)

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Tenure

12 to 60 months

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Interest & APR

21% to 39.5%

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Processing fee

Up to 3.9% of the loan amount

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Service fee

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∅ Not applicable

Late-payment fee

Progressive structure: ₹550 at 1 day past due, escalating to ₹750/day after 90 days past due, capped at ₹4,800 total at 180 days.

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Prepayment / foreclosure

4% of the outstanding principal amount; waivable with the 'Safe Pay' add-on.

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KFS

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— Not disclosed

Eligibility & KYC

Indian nationality, age above 21 up to 60 years, employed/self-employed/pensioner, active bank account. KYC: PAN mandatory; Aadhaar/Voter ID/DL/Passport for address proof.

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Disbursal route

Loan amount transferred to the borrower's bank account within hours.

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Repayment route

Fixed EMIs, with an auto-debit setup option.

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Grievance contact

Rajesh Kane (Principal Nodal Officer) · [email protected]

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VerifiedHome Credit India Finance Private LimitedKFS: not-foundLast checked: 2026-08-21View source →

Editorial assessment

Home Credit India is a NBFC lending in its own name. Its official site publishes most of the core loan terms — compare the figures below against other lenders before applying. A grievance escalation contact is published on its official site.

By RupeeRahi Editorial · reviewed 21 Aug 2026 · our methodology

Contact & registered office

Registered officeHome Credit India Finance Private Limited, DLF Infinity Towers, Tower C, 3rd Floor, DLF Cyber City Phase II, Gurgaon-122002, India

Grievance & complaints

Grievance Redressal Officer: Rajesh Kane (Principal Nodal Officer)

[email protected] · Home Credit India Finance Private Limited, DLF Infinity Towers, Tower C, 3rd Floor, DLF Cyber City Phase II, Gurgaon-122002, India

Not resolved in 30 days? RBI Ombudsman route →

Alternatives to compare

Aditya Birla Capital

Aditya Birla Finance Limited

Minimum personal loan amount is about Rs 50,000, while the maximum is up to ₹50 lakhs. · Tenure 1 to 7 Years (per EMI calculator tool) · Indicative range of Rate of Interest: 10% p.a. to 28% p.a.; also stated: Personal Loan Starting at 10.99%* p.a.

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DMI Finance

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Which loans is Home Credit India on?