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To proceed with availing one time loan restructuring, fill in the following details:

  1. Select “Yes” for Are you an existing Customer?
  2. Your Loan Account Number (LAN)
  3. Your Registered Email ID
  4. Your Registered Mobile Number
  5. Select Nature of Query/Request/Complaints as ‘One Time Loan Restructuring’ from the dropdown
  6. Next, select “One Time Loan Restructuring ” option from the ‘More details’ dropdown
  7. After that you will be asked to provide certain information such as the nature of your employment, the level of financial impact you have faced (or continue to face) due to the pandemic, and more
  8. Please enter the above information as carefully and accurately as possible. Your request will be evaluated for further processing based on the information you provide here
  9. Once you have entered all the necessary details and verified the same, click on “Submit”
  10. If your application is deemed eligible as per the policy, you will receive a call from our representative regarding further steps

Please note that final eligibility will be determined after submission of required documents and their subsequent verification by SMFG India Credit.

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Classification Composite Criteria Micro Small Medium
MSME - Micro, Small and
Medium Enterprises		 Investment in Plant and Machinery or
Equipment Not More than 		Rs.1 Crore Rs.10 Crore Rs.50 crore
  Annual Turnover Not More than Rs. 5 crore Rs. 50 crore Rs. 250 crore
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Have a query/request/complaints?

Provide your details so our representative can get back to you

Are you an existing customer?
Name
How To Check LAN ?
Enter 14/15 digit LAN
Instructions on Updating Registered Mobile Number
Mobile Number
OTP
Nature of Query/Request/Complaints
Select
More details
Select
Email
Your comments
Nature of Employment
Select
Loan With Us
Select
What is the Impact Level of COVID-19?
Select
If Job Loss, from when?
Select
In case of Job Loss, when do you expect to get a new job?
Select
If Salary Cut, how much?
Select
What is your Industry type?
Select
What is the extent of Negative Impact on Business due to COVID-19
Select
Till When do you expect Business Income to remain impacted?
Select
Is there any Shift/change in Business Premises after availing Loan from Fullerton?
Select
For what period did you apply for Moratorium ?
Have you faced any Financial Hardships due to the Pandemic?
Select
Till when is your Financial Hardship expected to last (starting from Sep'20)?
Select
What is the present business activity level vs Pre-COVID?
Select
What are Sales Projection for FY 20-21?
Select
Any Other Sources of Income (Including the income of co-applicants to the loan)?
Select
What is your Educational Qualification?
Select
Are there any Other Earning Member in Family?
Select
What is the Educational Qualification of the other earning member of the Family?
Select
What is Per Month earning of the Other Family Member?(in INR Rupees)
Select
In case you plan to sell the property, what is sale price estimation?
Select
Do you have any reserves for Emergency payment, like investment in Gold/MF/FD?
Select
Is any additional property available to create mortgage for availing Restructuring ?
Select
Do you have any other assets to sell in case Restructuring is not possible ?
Select
What is expected EMI Amount in case of EMI change?
Select
What is expected EMI start month in case of Deferment?
Select
What was the end use of loan? ie Loan given by Fullerton was used for what purpose?
Select
Does your business entity fall under MSME (Micro, Small and Medium Enterprises) category?
Select
What is MSME?
What was the current usage of the collateral you have given to Fullerton as Security?
Select
In case of Residential property, Is this the only residential property?
Select
  • Will ensure timely repayment until the completion of the loan as per the new schedule.
  • Not be allowed to add loan / top up loan till the expiry of 12 months from the date of restructuring of the existing loan.
  • Require to follow the new repayment schedule where all other terms & conditions will remain same as per the existing loan.
Some Fill Requered

Frequently Asked Questions

SMICC – Mandate Related FAQs

User Guide for Raising Mandate Related Request

SMHFC – Mandate Related FAQs

User Guide for Raising Mandate Related Request

Contact Details

SMFG India Credit is strongly committed to a fruitful and enduring relationship with its customers. Our endeavor is to give you 'best in class' service, each and every time you interact with us.

Toll Free No.

1800 103 6001

Timings: 9.00 a.m. to 7.00 p.m.
(Monday to Saturday excluding public holidays & fourth Saturday of every month)

Email

namaste@smfgindia.com

(To register a complaint , request or query related to SMFG India Credit products and services, please email on the above address. )

Corporate Office

SMFG India Credit Co. Ltd.

10th Floor, Office No.101, 102 & 103, 2 North Avenue,Maker Maxity, Bandra Kurla Complex, Bandra (East), Mumbai - 400 051 Tel: +91 22 4163 5800
CIN No: U65191TN1994PLC079235

Our Vikhroli office (address given below) would continue to be an Annex to the Corporate Office

SMFG India Credit Co. Ltd. (Vikhroli Office)

Ground Floor, Embassy 247, Lal Bahadur Shastri Marg, Gandhi Nagar, Vikhroli (West), Mumbai, Maharashtra – 400083

Registered Office

SMFG India Credit Co. Ltd.

Commerzone IT Park, Tower B, 1st Floor No.111, Mount Poonamallee Road, Porur Chennai, Tamil Nadu. Pincode - 600 116,
CIN No.: U65191TN1994PLC079235

If the resolution you receive does not meet your expectations, Click Here to reach our Customer Complaint Redressal Cell

Contact Details

1
Call (Step 1)

Toll Free No.

1800 102 1003

Timings: 9.30 a.m. to 6.30 p.m.
(Monday to Saturday excluding public holidays & fourth Saturday of every month)

Email

[email protected]
(You can write to us on the above e-mail id to know more about Grihashakti products and services.)

Corporate Office

SMFG India Home Finance Co. Ltd.

503 & 504, Adani Inspire, Bandra Kurla Complex Rd, G Block BKC, Bharat Nagar, Bandra East Mumbai - 400051

Our Vikhroli office (address given below) would continue to be an Annex to the Corporate Office

SMFG India Home Finance Co. Ltd. (Vikhroli Office)

Ground Floor, Embassy 247, Lal Bahadur Shastri Marg, Gandhi Nagar, Vikhroli (West), Mumbai, Maharashtra – 400083

Registered Office

SMFG India Home Finance Co. Ltd.

Commerzone IT Park, Tower B, 1st Floor No.111, Mount Poonamallee Road, Porur Chennai, Tamil Nadu. Pincode - 600 116, CIN No.: U65922TN2010PLC076972

Apply Online

SMFG India Home Finance Co. Ltd.

To apply online for Home Loan, click here.

2
Complaints (Step 2)

 

If the resolution you receive does not meet your expectations, you may write to us at [email protected] and/or the Corporate Office or Registered Office address provided above

 

*Please quote your Reference ID in your email, which is indicated in the subject line of the resolution in Step 1. You will receive an acknowledgement/response within 7 days of our receiving your communication

3
Escalate (Step 3)

 

If the resolution you receive does not meet your expectations, please write to our Grievance Redressal Officer, Aarti Dhurandhar - [email protected]

* Please quote your Reference ID in your email, which is indicated in the subject line of the resolution in Step 2. You will receive a response within 7 business days of our receiving your communication.
OR
You can approach the Complaint Redressal Cell of National Housing Bank in the following ways:

  • By lodging your complaint online on the link - https://grids.nhbonline.org.in
  • By sending a letter through post in the prescribed format at http://www.nhb.org.in/grievance-redressal-system/lodging-complaint-against-HFCs-NHB-Physical-Mode.pdf to
    Compaint Redressal Cell,,
    Department of Regulations & Supervision,
    National Housing Bank, 4th Floor, Core 5A,
    India Habitat Centre, Lodhi Road,
    New Delhi - 110 003.

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