About us
SM Square Credit Services Pvt Ltd is a fast-growing non-banking financial company registered with the Reserve Bank of India (Certificate of Registration No. N-09.00487, dated 19 February 2024; not valid for accepting public deposits). We bridge the credit gap for people across income segments - salaried and non-salaried - so they can buy two-, three- and four-wheelers that improve their mobility, livelihood and quality of life. SM Square is a subsidiary of Padma Sai Holdings Pvt Ltd.
Who we serve
Mainly people earning Rs 20,000 to Rs 30,000 a month: small business owners, artisans and craftsmen, service providers, and rural and semi-urban households. We also give top-up loans for unforeseen expenses.Where we work
Telangana, Andhra Pradesh and select districts of Karnataka, expanding to other regions. 70% of our portfolio is for rural areas, 20% semi-urban and 10% urban.Our advantage
Two decades of our holding company's experience as a channel partner to leading financial institutions: a trusted customer base, deep knowledge of credit and risk, and lower costs that let us offer competitive rates.Our strengths
Loans designed for low- and middle-income households; robust underwriting and portfolio monitoring; digital onboarding and e-KYC for faster approvals; and asset ownership that supports income and mobility.Vision
To become a trusted financial partner for underserved communities, driving inclusive growth and economic empowerment - expanding across South India and beyond, introducing products for evolving customer needs, strengthening partnerships with dealers, service providers and local institutions, and building a sustainable model that balances profitability with social responsibility.
Our group - Padma Sai Holdings Pvt Ltd
Founded in 1996, Padma Sai Holdings is a pioneer in portfolio management services to NBFCs for automobile loans - customer sourcing, field investigation, credit assessment, documentation, EMI collection, bookkeeping, repossession and sale of repossessed vehicles - with more than 1,00,000 customers served across 250 locations in Telangana, Andhra Pradesh and Karnataka. It has worked with Bajaj Finance, Hinduja Leyland Finance, WheelsEMI, Shriram Transport Finance, Khushbu Auto Finance, Manappuram Finance, Vardhaman Mahila Co-operative Urban Bank, Hero FinCorp and Muthoot Money.
Co-lending partners
We lend together with Shriram Finance Ltd, Hinduja Leyland Finance Ltd and Hero FinCorp Ltd, and are a channel partner for Bajaj Finance Ltd and TVS Credit Services Ltd. How this works for you.
Board of Directors Leadership team
Certificates
