Guidelines for repayment

Online Payment through Home Credit Website

  • Visit Home Credit India website
  • Click on Pay EMI
  • Enter requested details and Amount to be paid
  • Accept the disclaimer
  • Select the Mode through which payment will be made
  • Complete the payment

Payment via Home Credit Mobile App

  • Login into Home Credit India Android App and Go to the dashboard
  • Click on ’Pay EMI’ Button at bottom right of screen
  • Click on Loan for which you want to make payment ( Please Note : If there is only one loan this step will be skipped automatically)
  • Select “Payment Mode” through which you want to make payment
  • Follow the respective steps and complete the payment as per the payment method

Payment via Paytm

  • Open Paytm Website/ mobile App
  • Login using Credentials (if not done already)
  • Click on ‘Loan’ category
  • Enter your Contract & Contact details
  • Enter the amount to be paid
  • Select the mode of payment
  • Complete the payment

Payment through Airtel payments bank point

  • Visit the Nominated Airtel Payments banking point for cash deposit
  • Verify your Contract number to the retailer
  • Share the verification code on your Mobile number with Retailer
  • Post completing the payment you will receive a notification on your registered mobile number

Payment at Axis Bank branch by using "Easy pay" Service

  • Visit your nearest Axis Bank branch
  • Ask for the payment through the "Easy Pay" service
  • On the top of the deposit slip mention "I-SURE PAY-HCIP".
  • In place of Name of A/C holder mention "Home Credit India Fin. Pvt. Ltd-HCIP"
  • Mention Contract ID- (refer loan summary) in place of 'Particulars' on left hand side and in place of Bank and on right hand side of the deposit slip and rest details as per the columns.
  • Mention Amount with correct denominations.
  • Make cash payment of monthly payable amount.
  • Collect the signed & stamped deposit receipt from the banker.

Payment at ICICI Bank branch by using "I-Sure pay" Service

  • Visit your nearest ICICI Bank branch
  • Fill up the normal deposit slip available at Branch using details below:
  • On the top of the deposit slip mention "I-SURE PAY-HCIP"
  • In place of Name of A/C holder mention "Home Credit India Fin. Pvt. Ltd-HCIP"
  • Mention Contract ID- (refer loan summary) in place of 'Particulars' on left hand side and in place of Bank and on right hand side of the deposit slip.
  • Mention Amount with correct denominations.
  • Rest details has to be filled as per column name.
  • Make cash payment of monthly payable amount.
  • Collect the signed & stamped deposit receipt from the banker.

Payment through EASY BILL, ITZ CASH Outlets/POS

  • Visit your nearest agent based Easy Bill or ITZ outlet
  • Ask the outlet agent to make the payment for Home Credit EMI
  • Share your required details with the agent
  • Pay the monthly amount
  • Collect the Printed Deposit slip from the outlet agent
  • Get an SMS against the payment made at the outlet

e-Collect - Payment through NEFT/Fund Transfer using internet banking

  • To initiate a payment through fund transfer the customer needs to perform the below mentioned activities.
  • Add beneficiary: This is a procedure where in the customer needs to add a beneficiary before making payment for Home Credit through the option of E-Collect.

    Process for adding a beneficiary:
  • Beneficiary Name: Home Credit India Finance Private Limited
  • Beneficiary Account No.: HCIN**********(10 digit HCIN contract ID)
  • Bank Name: Citi Bank N.A.
  • City: Delhi
  • IFSC Code: CITI0000002
  • Account Type: CA
  • Amount in Rupees: xxxxxxxx (MONTHLY PAYMENT)
  • After successfully adding the beneficiary initiate the fund transfers against monthly payment amount.
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Payment FAQs

What is a Repayment Schedule and how do I get a copy of it?

Repayment Schedule provides information about your due date, due amount, payment status, payment date and paid amount
You can download a copy of your Repayment Schedule from our mobile app under “My loans” tab

Where can I find my contract number and customer ID?
I have opted for Direct Debit as repayment mode but EMI amount has not been debited from my account?
I have made the payment for my loan in the wrong contract number. How can I rectify this error?
How do I change my EMI due date?
How can I change my repayment mode to Direct Debit?
What are the advantages of making payments on time?
How can I foreclose my loan?