Help & FAQs
I forgot my registered mobile number — what do I do?
Please contact our Helpline at 8333000111 to raise a service request. Our team will conduct a Tele Verification (TVR) and assist you in updating your registered mobile number.
How do I update my address, mobile number, or other contact details?
Please contact our Helpline at 8333000111 to raise a service request. Our team will conduct a Tele Verification (TVR), Field Investigation (FI) and update your details after successful verification.
I am not receiving the OTP — what do I do?
Wait 60 seconds and tap Resend. If it still fails, use "Login with Agreement No. + Mobile + Date of Birth" instead.
How do I skip OTP next time?
Set up a 6-digit PIN from your profile page, on the same device.
How do I turn on notifications for EMI reminders?
Tap "Enable" on the notifications banner, or go to your Profile page any time.
What is EMI?
EMI means "Equated Monthly Installment" — the fixed amount you pay every month towards your vehicle loan until it is fully paid off.
I do not understand something in the app — who can help me?
Call our helpline at the number shown at the bottom of every page, or tap WhatsApp to chat with us directly.
Can I use the app in my own language?
Yes. Tap EN / తె / हिं / ಕನ್ನಡ at the top of any page to switch between English, Telugu, Hindi, and Kannada.
Is it safe to share my OTP with someone helping me?
No. Never share your OTP with anyone, including someone claiming to be from SMSquare. We will never ask for your OTP over a phone call.
I do not have a smartphone or find the app difficult to use — what can I do?
Call our helpline any time. Our staff can help you make your payment or answer your questions over the phone.
What is UPI?
UPI (Unified Payments Interface) lets you pay directly from your bank account using apps like PhonePe, Google Pay, or any UPI app — no card needed.
Do I need internet to use this app?
Yes, you need an internet connection to log in and make payments. If you do not have internet, you can pay at your nearest branch or call our helpline.
What happens if I miss an EMI payment?
A small late fee may apply, and we will send you reminders. Paying as soon as possible avoids extra charges and keeps your loan in good standing.
I received a legal notice — what should I do?
Please contact our helpline immediately or visit your nearest branch so we can help resolve this together.
Can my vehicle be taken away if I do not pay?
This only happens as a last resort after repeated missed payments and multiple reminders. Paying your dues on time, or contacting us if you are facing difficulty, avoids this entirely.
I am facing financial difficulty and cannot pay on time — what can I do?
Please call our helpline as soon as possible. We may be able to work out a plan with you — it is always better to talk to us early.
What happens if I default on my loan payments?
Missing or defaulting on loan payments may: - Negatively impact your CIBIL score. - Result in additional charges. - Lead to legal or recovery proceedings. If you are facing financial difficulties, please contact our Helpline at 8333000111 to discuss possible solutions.
How to increase my CIBIL score?
To improve your CIBIL score: - Pay all EMIs and dues on or before the due date. - Avoid missing or delaying payments. - Maintain a good repayment history. Regular and timely repayments are reported to CIBIL and help improve your credit score over time.
What types of vehicles can I finance with your company?
We offer financing options for a wide range of vehicles, including cars, motorcycles, trucks, vans, SUVs, and commercial vehicles. We provide loans for new and pre-used vehicles.
What are the eligibility criteria for vehicle financing?
Eligibility depends on factors such as: - Income - Credit history (CIBIL score) - Employment status - Type of vehicle being financed Generally, applicants must: - Be legally eligible to apply. - Have a stable source of income. - Maintain a satisfactory credit history.
What documents are required for applying for vehicle finance?
Identity & Address Proof (Any applicable document) - Aadhaar Card - PAN Card - Voter ID - Driving Licence - Passport-size Photograph Address Proof - Electricity Bill - Telephone Bill - Municipal Tax Receipt - Water Tax Receipt - Aadhaar Card These documents are required for the Applicant, Co-applicant (if applicable), and Guarantor (mandatory).
Can I transfer my existing vehicle loan to your company for better terms?
Yes, we offer loan transfer facilities where you can transfer your existing vehicle loan from another lender to our company for better terms and conditions, subject to approval.
Is insurance mandatory with a vehicle loan?
Vehicle insurance is generally required as per applicable regulations and lender policy. Financing for insurance and related charges may also be available, depending on the product.
Can I get a loan for a used vehicle?
Yes, used vehicle loans are available subject to eligibility, vehicle age, valuation, condition, and documentation.
What is NACH?
An auto-debit mandate that deducts your EMI from your bank account automatically on the due date.
My NACH payment bounced — what now?
You will get a NACH bounce notification. Please pay the due amount manually via the app to avoid late fees until the next NACH cycle.
Can I still pay manually if I have NACH set up?
Yes. You can make a manual payment even if NACH is registered. However, the payment should be made at least 2–3 days before the EMI due date to avoid NACH presentation, bounce, and applicable bounce charges.
How do I pay my EMI?
You can pay your EMI through any of the following modes: - Cash - NACH - UPI NACH - BBPS - Website - WhatsApp Link
My payment succeeded but the app still shows it as due — what happened?
Successful payments are confirmed automatically within a few minutes. If it still shows pending after 30 minutes, contact support with your UTR number.
Can I pay only part of my EMI?
Yes. Select "Any Other Amount" while making the payment and enter an amount that is equal to or greater than one EMI, up to your total outstanding dues.
What is a foreclosure amount?
The full payoff amount to close your loan early, recalculated live each time you view it.
Will I get a message when a payment is due?
Yes, if you have enabled notifications. Turn them on from your dashboard or profile page so you never miss an EMI.
What payment precautions should I follow?
For your safety: - Do not make payments to any personal bank account. - Do not pay any amount other than the system-generated outstanding amount. - Always collect a computer-generated payment receipt after making payment. The company shall not be responsible for any loss arising from non-compliance with the above instructions.
What is the scratch card on my dashboard?
A random rebate (Rs.100 to Rs.1000) toward your next UPI payment — up to 3 times per loan, each valid for 1 day after reveal.
Why don't I see a scratch card?
You have either used all 3 reveals for this loan, or one is still active and unredeemed — redeem it or let it expire first.
Where do I find my payment receipt?
Loan page → Downloads → pick the payment date → View/Download.
How do I get a full loan statement?
Loan page → Downloads → Statement of Account.
Why does my receipt show more than one payment date?
A single EMI can be split across multiple part-payments; the receipt lists each one.
What documents do I need to keep safely?
Keep your loan agreement, RC book (vehicle registration certificate), and insurance papers safe — you may need them if you sell the vehicle or close your loan.
How do I know my loan is fully paid off?
Once your loan is closed, you can request a No Objection Certificate (NOC) through the Request a Service option on your dashboard. The NOC serves as the official confirmation that your loan has been fully repaid.
How do I update my vehicle registration details?
Go to "Request a Service" from your dashboard and choose "Vehicle Registration Number Update". Enter the correct number — no payment is required, and our team will update it shortly.
Where is my loan agreement or KYC document?
These are not available in-app yet. Please contact support or your branch.
What if I lose my NOC or loan closure documents?
You may request duplicate copies as per the company's document issuance policy and verification process, which is subject to additional charges.