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Home Credit India

Home Credit India

www.homecredit.co.in
What is your customer experience with Home Credit India?

Home Credit India Overview

The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.

Based on reviews, created with AI
Rating Distribution

Home Credit India has 1.7 star rating from 172 reviews and consumers are mostly dissatisfied, though 67% would likely recommend.

Positive Feedback

Some customers can close loans and receive offers; a minority praise resolution for foreclosure and settlement requests.

Negative Feedback / Risk Areas

  • Frequent Home Credit India customer complaints cite poor customer service and no response to calls or emails.
  • Many report duplicate or extra EMI debits and slow or missing refund handling.
  • Issues with loan closure, NOC issuance and incorrect CIBIL entries are repeatedly reported.
  • Complaints mention high interest and billing discrepancies on mobile EMIs.

Key Takeaways for Future Customers

  • Check transactions and keep payment proofs to support refund or dispute requests.
  • Expect delays on NOC and loan closure; escalate if customer service is unresponsive.
  • Read Home Credit India reviews and monitor credit report changes before and after closure.
View full overview ›

Media from reviews

Home Credit India - Money hav been given but the loan is closed
Home Credit India - Money hav been given but the loan is closed - Image 2Home Credit India - Money hav been given but the loan is closed - Image 3Home Credit India - Money hav been given but the loan is closed - Image 4Home Credit India - The big scam companyHome Credit India - My loan issueHome Credit India - Plz remove werritn of my account
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Mohammad Afzal M Oov

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Why was my loan cancelled?

First they gave me an offer and then my loan was approved but then it was cancelled. Home Credit has done a lot of wrong to me and I am a regular customer of Home Credit.

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Dewanna Qqw

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Verified Reviewer

Payment ready need loan close

Updated by user Jul 22, 2025

Dear sir i lost my old email id i have no old mobile number i am to get noc paper daily coming 1 negative account close message i am already paid all amount in home credit please check down pic

Updated by user Jul 08, 2025

Sir,I am BIJU C J i take 1 personal loanThis is my register mobile number now is only wattsap this mobile number i am ready to payment all how to get my noc and loan close letter any time payment ready please arranged one executive Loan I'd - 370893**** this loan id any inquiries please contact my Qatar number+9747034**** call and wattsap availableThankyouNot RESPOND

Original review Jul 07, 2025

Loan ID: 370893****

Bjju C J

Name

Update my Gmail ID. I need to close my loan. I have cash ready for payment. I need the closing letter and NOC arranged, please.

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Kamil K Zwf

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Verified Reviewer

मर आरथक सथत बहद कमजर ह, इसलए कपय मर ₹70,000 क बकय लन मफ कर य कम रश पर सटलमट कर द।

AI Highlights
  • - Requesting waiver or one-time settlement for a 70,000 loan with 3 EMIs paid.
  • - Business shut; no income; supporting father and three sisters.

Subject: Financial Hardship Request for Loan Waiver / Settlement

To,

The Manager,

Home Credit India

Respected Sir/Madam,

I am writing to formally request your kind consideration regarding my outstanding loan account with Home Credit. The details are as follows:

Loan Amount Taken: 70,000

Loan Account Number: [Your Account Number]

Amount Paid Till Date: 3 EMIs

I had availed this loan during a period when I was running my own small business.

Unfortunately, my business has shut down, and I currently have no stable income. I am the only earning member of my family and am fully responsible for supporting my elderly father (aged about 57 years) and my three unmarried sisters.

Due to unavoidable personal and financial challenges, I am unable to continue making the EMI payments. The increasing household expenses and lack of income have placed me under severe financial stress.

In light of my situation, I respectfully request you to kindly consider either:

1. Full waiver of the remaining outstanding amount, OR

2.

One-time settlement for a reduced amount that I can afford to pay in a single payment.

I am ready to provide any supporting documents regarding my current financial hardship, if required.

I sincerely hope you will understand my position and take a sympathetic decision in my favor. Your support at this time will be a great relief for me and my family.

Thank you for your time and understanding.

Yours sincerely,

[Kamil]

[Panjab national bank Loan Account Number]

[773716****]

kamilkhan22039@***.com]

Preferred solution: Full refund

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Kamil K Zwf

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Verified Reviewer

मर आरथक सथत बहद कमजर ह, इसलए कपय मर ₹70,000 क बकय लन मफ कर य कम रश पर सटलमट कर द।वषय: आरथक कठनई क करण लन मफ / सटलमट हत नवदन सव म, परबधक महदय, ह

AI Highlights
  • - लोन 70,000 है और खाता नंबर [आपका खाता नंबर] है.
  • - 3 किस्त जमा हैं और व्यवसाय बंद है.
  • - बकाया में पुनर्निर्धारण या कम-राशि स्थगन का अनुरोध है.

विषय: आर्थिक कठिनाई के कारण लोन माफी / स्थाई मदद निवेदन

सविनय,

प्रबंधक महोदय,

हम क्रेडिट इंडिया

महोदय,

मैं यह पत्र अपने लोन की बात लोन के संबंध में आपका कृपया लिख रहा हूँ। विवरण इस प्रकार है

लोन राशि: 70,000

लोन खाता संख्या: [आपका खाता नंबर]

अब तक जमा की गई किस्त: 3 किस्त

मैं यह लोन उस समय लिया था जब मेरा एक छोटा व्यवसाय था। दुर्भाग्यवश, अब मेरा व्यवसाय बंद हो गया है और मेरी कई स्थायी आय के स्रोत नहीं हैं। मैं अपने परिवार का एकमात्र कमाने वाला सदस्य हूँ और अपनी 57 वर्ष की विधवा पत्नी तथा उसके अविवाहित बहन का पालन-पोषण मुझ पर जिम्मेदार है।

इन जगह और आर्थिक परिस्थितियों के कारण मैं लोन की EMI जमा करने में असमर्थ हूँ। बढ़ते घरेलू खर्च और आय न होने से मैं गंभीर आर्थिक परेशानी में हूँ।

ऐसे में, मैं आपसे विनम्र निवेदन करता हूँ कि कृपया

1. बकाया राशि के पुनर्निर्धारण का प्रयास करें, या

2. एकमुश्त कम राशि पर लोन स्थगित करें

पर सहानुभूतिपूर्ण विचार करें।

यदि आवश्यक हो तो मैं अपनी वर्तमान आर्थिक स्थिति के संबंध में दस्तावेज उपलब्ध कराने के लिए तैयार हूँ।

मैं आशा करता हूँ कि आप मेरी स्थिति को समझेंगे और मेरे पक्ष में एक सहानुभूतिपूर्ण निर्णय लेंगे। इस समय आपका सहयोग मेरे और मेरे परिवार के लिए बहुत बड़ा रहेगा।

धन्यवाद।

सादर,

Kamil

[Panjab National Bank 4632]

[773716****]

[kamilkhan22039@***.com]

Preferred solution: Full refund

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Rahul R Bqj

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Verified Reviewer

Money hav been given but the loan is closed

Home Credit India - Money hav been given but the loan is closed
Home Credit India - Money hav been given but the loan is closed - Image 2
Home Credit India - Money hav been given but the loan is closed - Image 3
Home Credit India - Money hav been given but the loan is closed - Image 4
Contains 2 confidential files for company representatives

Hello sir, my name is Rahul Solanki. I took a loan from Home Credit in 2021, which I have paid off in full. Request to provide NOC for the loan.

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Kishore R Cld

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Verified Reviewer

The big scam company

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Home Credit India - The big scam company

The big scam me the person cheated that working home credited I lost 87,000 rupees in 2 days.

Loss:
$87000
Pros:
  • Coimbathore tamil nadu

Preferred solution: Full refund

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Praveen B Xqt

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Verified Reviewer

My loan issue

Home Credit India - My loan issue

Dear sir ,

My loan is cleared ,but writte off is showing i want personal loan for medical issues please cleared ,thank you

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Ankit G Yhy

This review is written by an individual who has purchased the reviewed product/service and/or confirms being a paying customer of this company. Check our FAQ

Verified Buyer
|

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Wrong payment

Home Credit India - Wrong payment
Contains 1 confidential file for company representatives

I was refund my 2350 rupees because this is wrong payment ...yeusuhsu dydhshsggsghshsgsghsjsjsggshshsgshshshshshshs

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Merlyn Fgm

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Verified Reviewer

No support

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no support received from customer care support engineers when I tried to connect with them over email & calls

User's recommendation: improve support

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Sanjeet D Zyd

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Fraud

AI Highlights
  • - A loan under another name, Sanjit car service, and Rupes 7589 6475 appear on my civil report.
  • - Please remove Home Credit loan from my civil report.

Dear team

I would like to inform you that by default other person Loan showing in my civil report other name Sanjit car service is showing in my civil report.Rupes 7589 Loan is showing in my civil report last four digit loan id****6475 showing in my civil adress is showing best bengal. Please remove the home credit loan from my civil report.

As soon as possible

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Zyron Qgx

Plz remove werritn of my account

Home Credit India - Plz remove werritn of my account

Sir mere account per werritn of remove krnà h sir meri emi late ho gyi thi Jo mene ab full pay kardi h

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Dakshabanarendrasinh R

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Get NOC

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Updated by user Apr 02, 2025

May Lon soliyusan please may Loan nabar 380093**** loan det 9/2/1918 please Noc May contact number 635303****

Original review Mar 18, 2025

I pay all my EMI, but your assistance says that I paid more money in their QR code. So how can I trust him, and how do I get the NOC for the new loan? Please give a response as soon as possible.

Preferred solution: Apology

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Eleen Eyh

About loan

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Totally worst experience too much take interest and before say another thing after deduct very much interest from EMI Totally bad experience

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Mohammed Umar shaikh S

This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ

Verified Reviewer

Plzz send me my outstanding balance

AI Highlights
  • - Settlement to reopen file; I will pay the amount.
  • - Close the civil score report settlement; I need help from Home Credit.

My settlement is to reopen the file. I will pay the amount and clear the payment.

There will be no problem with my payment, so please reopen my file. Also, please close my civil score report settlement.

I need help from Home Credit. Thank you.

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Maresha Xnh

Loan number 363278**** overdue clear

Customer care number not identify my loan settled i will pay

Do please contack uus

My number 801000****

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Jarian Rdg

I am getting repeated calls in the name of Ishika Chauhan

I am getting repeated calls in the name of Ishika ? If I get too many calls then I will file an FIR.

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About

Summary

Home Credit India Finance Pvt. Ltd. is a privately held company which specializes in financial solutions. It was founded in 2012. The headquarters is based in Gurgaon, India. There are more than 60 locations in 15 Indian states. Home Credit India is a subsidiary of the International Home Credit Group. The company offers fast loans for mobile phones, laptops, home appliances, and wheelers. It provides online tools to calculate down payment, loan term, processing fee, and monthly payment. Home Credit India has a pre-payment/foreclosure policy. Available payment options are debit card or internet banking. Customer assistance is provided by email and by phone.

Home Credit India reviews and complaints

Home Credit India is ranked 649 out of 5729 in Financial Services category

Area Served

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