Know little more about SM Square Credit Services Pvt Ltd
About Us
SM Square Credit Services Pvt Ltd is a pioneering financial institution committed to providing accessible credit facilities to individuals across various income segments. Our primary focus is to empower individuals, including both salaried and non-salaried, to fulfill their aspirations of owning assets such as 2-wheelers, 3-wheelers, and 4-wheelers. We understand the diverse needs of our target customers, who include small business owners, artisans, service providers, and others, with monthly incomes ranging from Rs. 15,000 to Rs. 30,000.
Our Mission
Our mission is to bridge the gap in access to credit by offering flexible and affordable loan options tailored to the needs of our customers. We strive to foster financial inclusion, particularly in rural areas where access to credit is limited, by leveraging innovative solutions and strategic partnerships.
Our Vision
To become the leading provider of inclusive financial solutions, empowering individuals from diverse backgrounds to achieve their dreams of asset ownership and financial independence.
Key Highlights:
- Target Market: Initially focusing on Telangana, Andhra Pradesh, and Karnataka, we aim to expand our services to reach a wider audience.
- Inclusive Approach: We cater to individuals across various income segments, with a particular emphasis on rural areas where access to credit is limited.
- Portfolio Allocation: Our commitment to financial inclusion is reflected in our portfolio allocation, with 70% dedicated to rural areas, 20% to semi-urban areas, and 10% to urban areas.
- Competitive Rates: Leveraging the expertise and customer base of our holding company, which has over two decades of experience as a channel partner to other financial institutions, we offer competitive rates and aim to reduce costs for our customers.
- Top-Up Loans: In addition to our primary loan offerings, we also provide top-up loans to cover unforeseen expenses, ensuring that our customers have access to financial assistance when needed.
At SM Square Credit Services Pvt Ltd, we are dedicated to driving positive change through inclusive finance, empowering individuals to achieve their financial goals and build a brighter future for themselves and their communities.
About Padma Sai Finance Pvt Ltd – Holding Company
Established in 1996, Padma Sai Finance Pvt Ltd has evolved from being a direct lender for automobile loans to a leading intermediary services provider for NBFCs and financial institutions in the auto finance sector. Surrendering its NBFC License in 2018 marked a pivotal moment for the company, as it transitioned to exclusively offering Portfolio Management Services to NBFCs for automobile loan financing.
Key Highlights:
- Customer-Centric Approach: With a strong commitment to delivering services in the most customer-centric manner, Padma Sai Finance Pvt Ltd remains dedicated to excellence in the field of auto financing.
- Legacy of Excellence: With over 26 years of experience, the company has garnered the trust of more than 100,000 satisfied customers in the last decade alone (2010-present).
- Strategic Partnerships: Padma Sai Finance Pvt Ltd has forged partnerships with leading financial institutions in India, including Bajaj Finance Ltd, Hero Fincorp Ltd, Muthoot Money Ltd, Khushbu Auto Finance Ltd, and Wheels EMI Pvt Ltd (Bike Bazaar), among others.
- Geographical Presence: The company has a robust presence in 250 locations across three states: Telangana, Andhra Pradesh, and Karnataka, ensuring accessibility and convenience for its clients.
- Mission: Our mission is to simplify the loan acquisition process for our clients, providing hassle-free financing solutions tailored to their needs.
At Padma Sai Finance Pvt Ltd, we strive to uphold our reputation as a trusted partner in auto financing, offering unparalleled expertise and personalized service to our clients and partners.in 250 locations across three states: Telangana, Andhra Pradesh, and Karnataka.
About AExpress Marketing Services India Private Limited: (Subsidiary Company to Padma Sai Finance Pvt Ltd)
Established on 4th August 2015, AExpress Marketing Services India Private Limited (AExpress) is an ISO certified company renowned for its expertise in facilitating parking yards and conducting auctions for repossessed vehicles. With a focus on both physical and online platforms, we specialize in a wide range of vehicles, including public and private transport, industrial, commercial, and agricultural vehicles.
Key Highlights:
- Industry Leadership: AExpress stands as India's premier pre-owned vehicle exchange platform, collaborating closely with NBFCs and private financiers to streamline the auction process for all types of vehicles, whether physical or online.
- Commitment to Compliance: We prioritize legal compliance in all our operations, ensuring that our auctions meet regulatory standards and adhere to best practices to mitigate the risk of fraud.
- Unparalleled Expertise: Backed by decades of experience in the auto finance industry, our promoters and directors bring a wealth of knowledge and a vast database of 80,000 customers and a dealer network spanning every district of Andhra Pradesh and Telangana.
- Extensive Infrastructure: With a total of 55 yards covering approximately 48 acres across Telangana, Andhra Pradesh, and Karnataka, we boast a robust infrastructure to support our operations effectively. This includes 35 yards in Andhra Pradesh, 19 yards in Telangana, and 1 yard in Karnataka.
- Skilled Team: Our dedicated team of professionals possesses unparalleled skills in conducting successful automobile auctions. From accurate valuations to ensuring quality and reliability, we prioritize delivering exceptional services to both lenders and customers.
At AExpress Marketing Services India Private Limited, we are committed to revolutionizing the vehicle exchange industry by providing seamless solutions and unparalleled services to our clients and partners.
We pursued our founder’s vision that was to be a one stop solution for the needs of customer segment that was looking for flexible, secure, safe and low-priced auto loans
We are delivering the most competitive products and world-class customer services to our clients and making the bond stronger for each passing day.
How we deliver excellence?
Customers' interest is the most valued aspect of our services. We push our boundaries to fulfil the needs of each client.
Expertise advice on each loan ensures the loan amount, time period and processing fee to optimize to benefit the client.
Innovative and out-of-box solutions to help customers keep up with their needs.
Committed skill-force to deliver what was promised.
Our services are focused to enrich our customers by offering them quick loans.
Our work harassment policy ensures the employees feel secure and comfortable at our offices.
Our Board Of Directors
Mr. Alluri Dilip Kumar, Director
Mrs. Alluri Avanthi, Director
Mr. Venkata Rao Yadagani, Independent Director
Working on floor
Our Achievements
