What is the maximum amount that can be sanctioned for Home Appliances on EMIs?
Home Credit finances home appliances up to the maximum value of ₹1,00,000.

How many home appliances can be availed on a single application?
Only one home appliance can be availed on a single loan application.

What should be the minimum gap between the two applications? 
There should be a minimum of 90-day gap between two loan applications.

What are the value-added services available with Home Appliances on EMIs?
Home Credit offers optional Safe Pay and Extended Warranty along with Home Appliances on EMIs.  

What is Safe Pay?
Safe Pay is a value-added service offered to Home Credit consumer durable and personal loan customers. It is a package that offers Payment Holiday,  Free Early Repayment and Life Cover. To know more Click here

What is an Extended Warranty?
Extended Warranty as a value-added service offered by Home Credit. Under the Extended Warranty plan, Home Credit gives you an additional 12/24 months warranty beyond the Manufacturer’s warranty period. To know more Click here

Is it mandatory to avail value-added services?
No, however, it is beneficial for you in case of products malfunctions after the manufacturer’s warranty expires and also helps you avail payment holiday option.

What all products are available on EMIs?

• Air Conditioner
• Refrigerator    
• Air Fryer
• Air Cooler
• Audio/Video Player
• Clothes Drying Machine
• Dishwasher
• Geyser
• Home Theatre
• Inverter and Battery
• Microwave Oven
• Heater
• Oven and Stove
• Hob and Chimney
• Vacuum Cleaner
• Washing Machine
• Water Purifier
• Kitchen Appliances
• TV

Click here for the nearest Home Credit partner shops.
 

Can I choose the duration for Home Appliances on EMIs?
Yes, you can choose the duration of Home appliances on EMIs from the number of available options.

Do I need a credit/debit card to avail EMI? 
No, for Home Appliances on EMIs from Home Credit partner shops you do not need either Credit or Debit Card.
 
Do I need to make down payment to buy Home Appliances on EMIs?
No, Home Credit provides Home Appliances on EMIs up to the 100% product value.  
 
Is there any processing fee to buy Home Appliances on EMIs?
Yes, a processing fee will be levied as per the pricing matrix of Home Credit India.
 
Do I need pre-approval to buy Home Appliances on EMIs?
No pre-approval is required. You just need to select your favorite home appliances at one of the Home credit partner shops and provide necessary documents for instant approval. Click here for the nearest Home Credit partner shops.

What documents are required to get Home Appliances on EMIs?
Valid ID proof, Address proof, and Income statements are required to get Home Appliances on EMIs. 

What documents are accepted as Identity Proof?
The following documents are accepted as valid Identity Proof.
•    PAN Card
•    If PAN Card is not available, then Form 60 with one of the three below documents
•    Passport
•    Voter ID Card
•    Driving License
 
What documents are accepted as income and address proof?
The following documents are accepted as valid income and address proof.
•    Voter ID Card
•    Driving License
•    Passport
•    Bank Passbook / Bank Statement
•    Government House Allotment Letter
•    Property Tax Receipt
*Conditions apply. Home Credit India reserves the right to call upon additional documents at its discretion.

How can I check my eligibility for Home Credit Personal Loan?
Home Credit has very lenient eligibility criteria, even customers with no credit history can avail the Home Credit Personal Loan if they fulfill the following terms:

• Age: Between the age group of 18 to 69 years
• Income source: Salaried or Self-employed or Pensioner 
• Documents: 1 ID proof and 1 Address Proof
• Gap between 2 Home Credit loan applications: 90 Days
• Bank account: Should have an active bank account

What is the maximum amount that I can avail under Home Credit Personal Loan?
Home Credit offers personal loans up to the maximum value of  ₹2,40,000. 

What is the procedure to avail Home Credit Personal Loan?
You can apply for the Home Credit Personal Loan in a few easy steps as listed below:
•    Download Home Credit India mobile app from Google Play Store.
•    Select “Register ” and verify your phone number.
•    Submit the required details and get instant approval.

Can an existing Home Credit customer get a top-up on existing Personal Loan?
Yes, Home Credit offers loan top-up to the existing customers based on the repayment history and applicable credit policies.

What is the procedure to avail Home Credit Personal Loan for existing customers?
Home Credit offers pre-approved loans to existing customers based on their payment history. They can choose from available pre-approved loan offers and apply through the Home Credit mobile app.

Are there any charges applicable to apply for the Home Credit Personal Loan?
A loan processing fee is charged, as defined by the pricing matrix followed by Home Credit India.

What are the documents required to avail Home Credit Personal Loan?
Valid ID proof, address proof, and latest Income statements are required to avail Home Credit Personal Loan.
 
What documents are accepted as Identity Proof?
The following documents are accepted as valid Identity Proof.
•    PAN Card
•    If PAN Card is not available, then Form 60 with one of the three below documents
•    Passport
•    Voter ID Card
•    Driving License
 
What documents are accepted as income and address proof?
The following documents are accepted as valid income and address proof.
•    Voter ID Card
•    Driving License
•    Passport
•    Government House Allotment Letter
•    Property Tax Receipt
*Conditions apply. Home Credit India reserves the right to call upon additional documents at its discretion.

Can I choose my Home Credit Personal Loan tenure?
Yes, Home Credit gives customers the flexibility to choose their loan tenure from the available options.

Do I need to provide any security or collateral to avail a Home Credit Personal Loan?
No security or collateral is required to avail Home Credit Personal Loan.

How do I check my Home Credit Personal Loan status?
You can check the Home Credit Personal Loan status on the Home Credit mobile app. You can also get in touch with Home Credit representative online or on-call; alternatively, you can write to us at care@homecredit.co.in. 

Are there any charges for early repayment of Home Credit Personal Loan under Safe Pay service?
Home Credit offers the free early repayment modes as part of its value-added service ‘Safe Pay’. 

What are the value-added services available with the Home Credit Personal Loan?
Home Credit offers ‘Safe Pay’ as a value-added service to Home Credit personal loan customers. It is a bundled service that offers amazing benefits such as payment holiday, Free Early Repayment and Life cover. To know more, click here.
 

What is the Ujjwal Card?
Ujjwal Card is an instant limit to purchase smartphones or home appliances on easy monthly EMIs.

What are the eligibility criteria to avail Ujjwal Card?
You can avail Home Credit Ujjwal Card if you fulfill the following criteria:
• Age: Between the age group of 18 to 69 years.
• Income source: Salaried or Self-employed or Pensioner
• Bank account: Should have an active bank account
• Documents: PAN card(Mandatory) and Address Proof
• Gap between two Home Credit loan applications: min 90 Days

What are the documents required to avail Ujjwal Card?
PAN card(Mandatory) and Address Proof are required to avail Home Credit Ujjwal card
 
What documents are accepted as Identity Proof?
The following documents are accepted as valid Identity Proof.
•    PAN Card 

What documents are accepted as income and address proof?
The following documents are accepted as valid income and address proof.
•    Voter ID Card
•    Driving License
•    Passport
•    Bank Passbook / Bank Statement
•    Government House Allotment Letter
•    Property Tax Receipt
*Conditions apply. Home Credit India reserves the right to call upon additional documents at its discretion.

How can I apply for the Ujjwal Card?
You can apply for the Ujjwal Card at the Home Credit Mobile app by following the below-mentioned steps.
•    Download ‘Home Credit India’ App from the Play Store
•    Click on ‘Register And Apply’ 
•    Complete online application form
•    Visit a Home Credit Partner shop to complete KYC
Now, you can also apply for an Ujjwal Card at any of the Home Credit partner shop. For Home credit partner shops near you, click here.

Is Ujjwal Card a credit card?
No, Ujjwal Card is an instant limit that you can avail for smartphone and home appliance purchases at Home Credit partner shops. No cash or any other form of payment mode is required with Ujjwal Card and it also lets you convert your purchase into easy EMIs. 

Do I need to pay any fee to avail Ujjwal Card?
A one-time joining fee of ₹549 will be charged towards the processing charges. Also, a membership fee of ₹99 will be charged annually, which can be waived if you use your card even once every 12 months. 

What is the limit I can get on the Ujjwal Card?
Ujjwal Card provides you with an instant limit of ₹10,000 to ₹50,000 based on your credit eligibility.  

Can I choose the credit limit for my Ujjwal Card?
Yes, Home Credit gives you the flexibility to set your Ujjwal Card limit from ₹10,000 up to the maximum offered limit. 

Can I increase/decrease the limit after getting an Ujjwal Card?
Reduction or increment in the Ujjwal Card limit is not permitted post issuance. However, you are allowed to choose your credit limit at the time of availing the Ujjwal Card. 

Can I apply for a physical card?
Home Credit does not issue a physical card. Ujjwal Card is the instant credit limit available through the Home Credit mobile app. To utilize Ujjwal Card for shopping you just need your Home Credit app on your mobile phone. 

How long does it take to activate the Ujjwal Card?
Ujjwal Card will be issued within a single working day once the required documentation is completed. 

Where can I use the Ujjwal Card to make the purchase?
You can utilize Ujjwal Card to make purchases at more than 29,000 Home Credit partner shops. For Home Credit partner shops near you, click here.

Is there a transaction fee? How much is it?
A nominal transaction fee is charged to cover processing charges. The transaction fee varies from product to product. For more details, you can connect with Home Credit loan experts stationed at all Home Credit partner shops. 

Do I need to give a down payment?
The down payment amount varies for different products. For more details, please contact our loan expert at your nearest Home Credit partner shops. 

Can I extend/change the EMI tenure after the transaction?
There is no option to change the EMI tenure once the transaction is finalized. However, Home Credit gives customers the flexibility to choose their tenure before finalizing the transaction.

 
Is there a limit to the transactions count?
There is no limit on the transaction counts; you are free to use your Ujjwal Card upto the maximum allowed assigned limit.

 
Do I need to carry/submit any document for my purchases using the Ujjwal Card?
Home Credit to ensure security requires you to carry your ID for verification and mobile with the Home Credit app to make purchases.

How many products can I buy in a single transaction?
You can use your Ujjwal Card to make multiple transactions up to the maximum limit. However only one monthly installment per transaction will be billed to you every month. 

Can I use this card for purchasing products other than mobile phones/home appliances or from non-HCIN merchants?
Ujjwal Card can be utilized to make purchases only at the Home Credit partner shops. To locate Home Credit partner shops near you, click here.

Can I postpone my EMI and pay next month, in bulk?
There is no option to postpone EMIs; they should be paid on or before the due date to avoid late payment charges. Customers can opt for EMI Shield to cover them in such eventualities. 

What is Fin-shield?
Fin-shield is a value-added service that offers bundled benefits of life insurance, Personal accidental insurance and Payment holiday.

What is the Payment Holiday?

Payment Holiday allows customers to postpone their EMIs by one month. It can be availed after paying the first 2 EMIs on or before the due date.

What is Free Early Repayment?

Free Early Repayment allows customers to foreclose their loan without any additional charges. Customers paying EMIs through direct debit mode are required to raise the foreclosure request 5 days before the next due date. Customers paying EMIs through any other method can raise foreclosure request anytime.

How will I get my Ujjwal Card monthly bill?
Your monthly bill will be mailed to you on your registered e-mail at the end of the monthly billing cycle. You can also download your monthly bill easily on the Home Credit mobile app.

How can I use my Ujjwal Card?
Using your Ujjwal Card for shopping is very convenient.
•    Just visit your nearest Home Credit partner shop
•    Provide your registered mobile number to check your available limit
•    Choose your product
•    Choose your repayment tenure as per your flexibility
•    Sign the documents and its done
Just head to your nearest Home Credit partner shop for an amazing shopping experience. To locate Home credit partner shops near you, click here.

What do I do if my monthly bill is incorrect?
Connect with Home Credit customer care at 0124 662 8888 for swift reconciliation of your monthly payment statement.

What do I do if my Ujjwal Card is misused?
In case of any suspicious activity just connect with Home Credit customer care at 0124 662 8888 for blocking your card immediately.

How do I block my Ujjwal Card?
Just connect with Home Credit customer care at 0124 662 8888 for blocking your card immediately.  

I had to exit my Ujjwal Card application earlier. How do I complete it?
You can resume your Ujjwal Card application on the Home Credit mobile app. Just login and click on ‘Resume’ under ‘Exciting Offers’ to complete your Ujjwal Card application. 
 

What is the process to obtain a Two Wheeler Loan?
Home Credit Two Wheeler Loan can be availed on purchase of two-wheelers from the Home Credit partner shops. Home Credit Two Wheeler Loan allows you to pay back the loan amount in easy monthly instalments. To locate the nearest Home Credit partner shops click here
 
What is the eligibility criteria for availing Home Credit Two Wheeler Loan?  
Indian citizens under the age group of 19- 65 with an active source of income are eligible to apply. You will be required to submit valid KYC documents for loan processing.
 
What documents are required to avail Home Credit Two Wheeler Loan?
Valid ID proof, Address proof, and Income statements are required to avail Home Credit Mobile Phone Loan.

What documents are accepted as Identity Proof?
The following documents are accepted as valid Identity Proof.
•    PAN Card
•    If PAN Card is not available, then Form 60 with one of the three below documents
•    Passport
•    Voter ID Card
•    Driving License
 
What documents are accepted as income and address proof?
The following documents are accepted as valid income and address proof.
•    Voter ID Card
•    Driving License
•    Passport
•    Bank Passbook / Bank Statement
•    Government House Allotment Letter
•    Property Tax Receipt
*Conditions apply. Home Credit India reserves the right to call upon additional documents at its discretion.
 
Can I avail more than one Home Credit Two Wheeler Loan on a single application? 
No, only one Home Credit Two Wheeler Loan can be availed on a single application. 
  
How can I get No Objection Certificate for my Two Wheeler loan? 
NOC (No Objection Certificate) will be delivered to you upon the full repayment of the loan value through EMIs. The No Objection Certificate will be dispatched to your registered address within 20 days of the last EMI payment.
 
Under what circumstance NOC can be denied against my Home Credit Two Wheeler Loan? 
NOC (No Objection Certificate) will not be issued under the following conditions:

• If there is an outstanding amount of your two-wheeler loan or you are delinquent on any other loan taken from Home Credit 
• Scanned copy of Registration Certificate with chassis and engine number has not been submitted to Home Credit
• Phone Number and Email ID are not updated in your account 

  
How can I check outstanding balance of my Home Credit Two Wheeler Loan? 
You can check your Home Credit Two Wheeler Loan outstanding amount through the Home Credit mobile app. Open Home Credit Mobile App then click on ‘My Loans’ then select your contract number to view your loan outstanding. 
 
 How to register a request for non-receipt of NOC within the stipulated timeframe? 
You can write to Home Credit at care@homecredit.co.in  in case of any grievance and we will revert to you within 48 hours. You can also connect to Home Credit customer care on a chat between 9:00 a.m. to 7:00 p.m. through the Home Credit website and mobile app.  
 
What do I do if my two-wheeler financed by Home Credit is stolen?
You should immediately contact Home Credit customer care on-call or should send a mail at care@homecredit.co.in with theft details. For swift resolution, you can also chat with Home Credit representatives on the website and mobile app between 9:00 A.M. to 7:00 P.M. 
Alternatively, you can also send a mail to the address given below along with the requisite documents.
Customer Care Department
Home Credit India Finance Private Limited
Third Floor, Tower C, DLF Infinity Towers, 
DLF Cyber City Phase II, Gurgaon,
Haryana – 122002
 
What documents are required to be submitted along with a two-wheeler theft report to Home Credit? 
You are required to obtain and provide the following documents for further processing. 

Self-attested copies required for issuing Non- Repossessed letter:
· FIR
· Invoice of the vehicle
· Insurance intimation letter
· Insurance policy letter
· RC copy of the vehicle
· Written declaration 
Documents required for issuing Special NOC:
· Claim letter from the insurance company
· Untraced letter from the police station
 

Can a person with no credit history apply for a loan?
Yes, an Indian citizen with an active source of income can avail Home Credit Loans even without a credit history.
 
Can a retired person apply for a loan?
Yes, a pensioner can avail the Home Credit Loan, if they meet the minimum eligibility criteria.
 
Can an existing Home Credit customer apply for an additional loan?
Yes, existing customers can apply for additional loans if their current contract to any linked contract is not delinquent. Additionally, there should be a gap of a minimum of 90 days between loan applications.
 
What is the maximum amount I am eligible to avail?
The maximum loan amount differs from product to product. You can check the maximum loan value on specific Home Credit product sections.
 
How can I make partial payments against my EMIs?
There is no option for part payment against EMIs, but you can avail of the payment holiday option after paying the first two EMIs.
 
How do I change my EMI due date?
The EMI due date is system generated and cannot be changed during the entire loan tenure 
 
How do I check the status of the payments I have made?
Payment status can be checked under the Repayment Schedule on the Home Credit mobile app. To access the Repayment Schedule navigate to Home > My loans > Contract Number > repayment Schedule > Download Repayment Schedule.
 
How many products can I buy in a single transaction?
Only one Home Credit Mobile Phone Loan can be availed on a single loan application.
 
When would I be levied late payment charges on my loan?
Late payment charges will be levied if the EMI amount is not paid within the due date.
 
How can I foreclose my loan?
The loan can be foreclosed by raising a request for early repayment with Home Credit customer care.
 

What is Mobile Protect?
Mobile Protect is a value-added service offered by Home Credit with the Mobile Phone on EMI.
 
What are the benefits offered under the Mobile Protect plan?
Mobile Protect covers repair and replacement of the device in case of accidental and liquid damage in the first year of purchase.
 
Are there any charges to avail Mobile Protect plan?
Yes, a nominal charge is to be paid to avail of the Home Credit Mobile Protect plan.
 
Can we consolidate mobile protect charges in EMIs?
Yes, Mobile Protect charges can be added to the mobile phone value and can be easily paid as part of EMI.
 
What are the services offered under Mobile Protect?
Mobile Protect covers the following services.
•    Hassle-free, cashless repair in case of any accidental breakage and/or liquid damage.
•    Free pick-up for repair at your convenience.
•    Complete repair of mobile devices up to the invoice value.
•    Device replacement without depreciation for irreparable devices.
•    24/7 repair request registration.
 
How many repair requests are allowed under Mobile Protect?
Under the Mobile Protect plan,2 repair requests are allowed during the plan period. The maximum time frame for each repair is a maximum of 14 working days.
 
How can I avail of the benefits offered under the Mobile Protect Plan?
You can avail the Mobile Protect services in two simple steps:
•    Step 1: Register your repair request 24*7 on call or through online mode.
•    Step 2: Submit the required documents and pay the necessary service fee.
Once your request is registered and processed, pick-up will be scheduled by an authorized service provider.
 
How much time will it take to repair and dispatch the device?
The mobile device will be repaired and dispatched back to you within 14 working days.
 
How can I register my grievance in case of unsatisfactory services?
In case, you do not get a swift resolution to your complaint from an authorized partner, you can write to us at care@homecredit.co.in. We will revert back to you within 48 hours.

What is Safe Pay?
Safe Pay is a value-added service offered to Home Credit consumer durable and personal loan customers. It is a package that offers Payment Holiday,  Free Early Repayment and Life Cover.
 
What are the benefits offered under Safe Pay Service? 
Safe Pay offers three services which are as follows:

• Payment Holiday: Payment Holiday allows customers to postpone their EMIs by one month. It can be availed after paying the first two EMIs before the due date. You can avail a maximum of two Payment Holiday Services during the entire loan term. You are required to pay at least one EMI between two Payment Holiday Services
• Free Early Repayment: Early Foreclosure allows customers to foreclose their loan without any additional charges. Customers paying EMIs through direct debit mode are required to raise the foreclosure request 5 days before the next due date. Customers paying EMIs through any other method can raise foreclosure request anytime
•  Life Cover: This allows you to avail of 1.5 times and 1.25 times the loan amount for consumer durables loan and personal loan respectively as Life Cover. In case any unanticipated calamity befalls the customer, loan obligation is covered by the insurance and nominees of the borrower are entitled to the remaining Sum Assured amount".
   

How many times Payment Holiday Service can be availed during loan tenure?
You can avail of a maximum of two Payment Holiday Services during the entire loan term. You are required to pay at least one EMI between two Payment Holiday Services.
 
Does the Payment Holiday Service affect the loan duration?
Yes, each time you avail of the Payment Holiday Service, the loan term is extended by one month.
 
How can I claim the Safe Pay insurance amount?
Safe Pay Insurance benefits can be claimed by you or nominee by mailing the requisite documents (Death Certificate, Insurance Application form, etc.) to care@homecredit.co.in. The subject line of the mail should mention your Name, Contract Number and Phone Number. To know more click here
 

What is the ScreedGuard Plan?
The ScreenGuard plan is an exclusive phone screen protection plan to cover the cost of repairing the damaged mobile phone screen.
 
What is the validity period of the ScreenGuard Plan?
Your Screen Protection Plan is valid for a period of 12 months from the date of plan activation.
 
Does ScreenGuard Plan provide the post-repair guarantee?
Yes, 90 days extended post-repair is provided under ScreenGuard Plan.
 
How much time will it take to repair and dispatch the device?
The damaged mobile screen will be repaired and dispatched back to you within 14 working days.
 
How can I avail mobile phone screen repair service under the plan?
You can register your requests online or on-call 24*7. You then will be required to submit the necessary documents and service free. Once your request is registered and processed, pick-up will be scheduled by an authorized service provider.
 
Can I track phone screen repair status?
Yes, navigate to the ScreenGuard page on the Home Credit website, click on chatbot link>choose language>choose ‘know your status’>Enter Mobile Number/IMEI.
 
Does ScreenGuard Plan cover any other damages to the phone?
No, any damage to the mobile device other than the damaged screen is not covered under ScreenGuard Plan.

Do I have to pay any fees to avail the service?

You need to pay a service fees when you request for a screen replacement

What is the Extended Warranty?
Extended Warranty Plan is a value-added service which customers can opt for while taking a consumer durable loan from Home Credit.

What are the benefits offered by Extended Warranty?
You can avail of an additional 12/24 months warranty on products beyond the Manufacturer’s warranty period.

What are the services offered under Extended Warranty?
You can avail hassle-free, truly cashless repair services for your mobile phones and home appliances. On-call and free on-site repair services are offered at your convenience.

When does the Extended Warranty period start?
The extended warranty period commences upon the expiration of the manufacturer’s warranty.

How can I avail benefits under Extended Warranty?
Extended warranty services can be availed by registering on-call or online 24*7. Follow these simple steps to register your repair request.
•    Register the repair request with the service provider within 7 days.
•    Upload the purchase Invoice.
•    Schedule an appointment for technician visit as per your convenience
 A verified technician will visit and provide the repair services at the scheduled time. 

Do I have to pay any charges for the repair services?
No, it’s completely a cashless process; you don’t have to pay any amount.
 

What is a Repayment Schedule and how do I get a copy of it?
The repayment schedule is the detailed loan repayment summary that provides information about your EMI due date, due amount, payment status and the amount paid.

How can I access my Repayment Schedule?
You can download the Repayment Schedule from the Home Credit mobile app. The repayment schedule is located under the ‘My Loans’ tab on the Home Credit mobile app. 

What are the payment modes accepted for the Home Credit Loan repayment?
The most convenient method to pay Home Credit Loan EMIs is through the Direct Debit option. The EMIs are automatically deducted from your bank account on the due date as per the standing instructions. 
Alternatively, you can make payment through the Home Credit website and mobile app. Choose the “Pay EMI” option and pay using various available payment channels like Debit card, Net banking, wallet, Paytm Mobile App and UPI. 
You can also deposit cash at the listed ICICI Bank, Axis Bank, and Airtel stores.

 
How can I give standing instructions for direct debit repayment?
You are required to register for standing instructions via Netbanking or Debit Card. To register, please click here.  

I have opted for Direct Debit as repayment modes but the EMI amount has not been debited from my account?
Upon successful registration of Direct Debit mandate, EMIs are automatically debited from your bank account. The possible reasons for mandate registration failure are:
•    Account details mismatch between mandate form and your bank account
•    A signature mismatch between mandate form and your bank account
•    Insufficient funds in the account.
Contact Home Credit customer care on 0124-662-8888 for swift resolution or Write to us at care@homecredit.co.in. 

How can I find my due amount and next EMI due date?
Home Credit India notifies you about EMI due date and due amount through calls and SMS. 
To plan ahead customers can check their Loan and EMI status on the Home Credit mobile app. EMI due date and repayment schedule is available under the ‘My Loans’ tab on the Home Credit Mobile app.
I have already paid the EMI but the same is not reflected in my account.
A confirmation SMS will be sent when your payment gets updated in the Home Credit system. It may take up to 72 hours for the update. 

How do I change my EMI due date?
The EMI due date is system generated and cannot be changed during the loan tenure. 

How can I change my repayment mode to Direct Debit?
You can change your repayment mode to Direct Debit by registering for Standing Instructions via Netbanking or Debit Card. To register, please click here 

I have paid extra amount this month, how can I get my refund?
The excess amount paid will be adjusted against the upcoming instalment. You can also register for refund request at care@homecredit.co.in and we will revert back within 48 hours. Alternatively, connect with the Home Credit representative on chat option available on our website/Mobile App between 9:00 AM and 7:00 PM.

When would I be levied late payment charges in my loan?
Late payment charges will be levied if the EMI amount is not paid within the due date.

How can I foreclose my loan?
You can register a loan foreclosure request with Home Credit customer care, call us at 0124-662-8888. Alternatively, you can chat with the Home Credit representative on our website/Mobile App between 9:00 AM and 7:00 PM.
 

How can I check my contract payment status or disbursement report?
You can check your contract payment status or disbursement report through the below steps:

• Login to our Partner Portal page using your HOMER ID & Password.
• Once you have logged in successfully, click on ‘My Reports’ and then navigate to “Contracts Report”.
• Then you have to choose the date range as per the creation date of the contracts and then click on the ‘Search’ button.
• Now, select the ‘Download the Contract Wise Payment Status’.
• Now just click on ‘Export to Excel’ button available on the top right corner to download your disbursement report.

How can I check contract error or contract status?

You can check the contract error or status of your contract through the below steps.
•    Login to our Partner Portal Page using your HOMER ID & Password.
•    Once you have logged in successfully, click on ‘My Reports’ and then navigate to “Contracts Report”.
•    Then you have to choose the date range as per the creation date of the contracts and then click on ‘Search’ button.
•    Now, select ‘check Errors Status of your contracts’.
•    Click on active column to check contract activation status.

How can I reset HOMER Password?

To reset the password for HOMER Application ID, please open the webpage

• Now enter your Username and then please click on the 'Forgot Password' option
• Enter the security code received on your registered mobile number
• Now you can choose your new password as per the instructions mentioned and click on Submit button

How can I find details of Home Credit’s District Sales Manager?

Please reach out to us on our Partner Helpline at 1800-419-6660 to get details about our District Sales Manager