Digital lending
Our apps, websites and partners
In line with the Reserve Bank of India (Digital Lending) Directions, 2025, these are the digital channels through which SM Square Credit Services Pvt Ltd offers and services loans.
Our own digital channels
| Channel | What you can do |
|---|---|
| My SMSquare app / customer portal - smsquare.info | Apply, consents, KYC, Key Fact Statement, sanction letter, EMI payment, statements, NOC, complaints |
| Website - smsquare.co.in | Loan information and loan application |
| WhatsApp - 83330 00111 | Loan enquiry, balance, due date, payment link, receipts, complaints |
Any other app or website offering loans in our name is not ours - see Beware of fraud.
Co-lending
Some loans are co-lent with Shriram Finance Ltd, Hinduja Leyland Finance Ltd or Hero FinCorp Ltd. See Our partners. SM Square remains your point of contact.
Your rights
- You get a Key Fact Statement with the annual percentage rate (APR) and all charges before you sign. A charge not in the KFS cannot be taken.
- The loan is paid only to your bank account or the dealer; repayments go only to our account. No money passes through a third party's account.
- We collect only the data needed for your loan, with your consent. See our Privacy Policy.
- Complaints: Grievance Redressal Officer.