Altum Credo Home Finance Loan Repayment

At Shriram Finance, we make managing your Altum Credo Home Finance loan repayments seamless and hassle-free. With our fast, secure, and convenient BBPS services, you can easily access and manage all your loans, utility bills, subscription payments and recharges in one place. Experience the speed and ease of online payments with Shriram Finance.

About Altum Credo Home Finance

Altum Credo Home Finance is a non-banking financial company (NBFC) that provides home loans to underserved and under-served segments in semi-urban and rural areas of India. The company offers many home loan products, including home purchases, balance transfers, and refinancing loans. Altum Credo Home Finance is committed to providing its customers with a customer-centric approach and a hassle-free home loan experience.

How to Pay My Altum Credo Home Finance Loan Repayment at Shriram Finance?

Here is a step-by-step guide to help you pay Altum Credo Home Finance EMIs online with Shriram Finance:

1. Visit the Shriram Finance website.
2. Navigate to the main menu and click on "Payments," then opt for "BBPS."
3. Under "Financial Services & Tax" category select "Loan Repayment."
4. Select "Altum Credo Home Finance" - Enter the loan number and click on "Proceed.”
5. Verify the mobile number and click on 'Continue.'
6. Enter the 6-digit OTP and click on 'Verify and Continue.'
7. Review your Altum Credo Home Finance loan EMI payment details and click on 'Pay.'
8. Choose a preferred payment method, enter the required details and complete the payment.

Why Choose Shriram Finance Altum Credo Home Finance Loan Repayment?

Choosing Shriram Finance for your Altum Credo Home Finance loan repayment offers several benefits, including:

1. Convenience: Shriram Finance provides a user-friendly and convenient platform for Altum Credo Home Finance loan repayment, making it easy to manage your financial obligations.
2. Quick and Easy: The streamlined payment process ensures a quick and hassle-free Altum Credo Home Finance loan EMI payment experience.
3. Access to Multiple Services: Shriram Finance also offers additional financial services or products, allowing you to access various financial solutions conveniently in one place.

How to Download My Altum Credo Home Finance Loan EMI Payment Receipts?

Shriram Finance offers two convenient options to download your loan payment receipts online:

1. New Users: After completing your Altum Credo Home Finance loan payment online, click on the 'Download Receipt' button.
2. Existing Users: If you are already a registered user, login to your Shriram Finance Customer Portal, go to your profile, and then access 'Transaction History.' From there, you can easily select the 'Download Receipt' option. This way, you can easily download your Altum Credo Home Finance Statement.

Benefits of Using Shriram Finance for Altum Credo Home Finance Loan Repayment

Using Shriram Finance as your platform offers several significant benefits for making Altum Credo Home Finance loan bill payments. Some of these include:

1. Security: Shriram Finance prioritises the security of your financial transactions. Our encrypted payment gateway ensures that the Altum Credo Home Finance loan EMI payment online is processed safely and securely.
2. User-Friendly Interface: The platform offers a user-friendly interface, making it easy to navigate and complete your EMI payments conveniently.
3. All-in-One Platform: Shriram Finance may provide access to various financial services, allowing you to manage your Altum Credo Home Finance loan repayment online and other financial needs in one place.
4. Timely Reminders: You can expect timely reminders to pay your Altum Credo Home Finance EMI online before the due dates, helping you to stay on top of your payments and avoid late fees.

How to Check My Altum Credo Home Finance Loan Repayment History?

Shriram Finance offers two options to check your Altum Credo Home Finance loan repayment history:

New Users:

a) After completing your Altum Credo Home Finance loan EMI payment, click on the 'View Transaction History' button.

b) Sign up with your Name, Mobile Number, Email ID, and mPIN.

c) You will be redirected to the Shriram Finance Customer Portal.

d) Go to your profile and click 'Transaction History' to check your Altum Credo Home Finance loan repayment history.

Existing Users: If you are already a registered user, login to your Shriram Finance Customer Portal, go to your profile, and then access 'Transaction History' to check your EMI repayment history.

List of Payment Methods Available for Altum Credo Home Finance Loan Repayment on Shriram Finance

Shriram Finance offers convenient online payment options, including debit cards, net banking and much more. For added flexibility, you can also raise collect requests.

What If My Altum Credo Home Finance Loan Repayment Fails?

If your Altum Credo Home Finance loan repayment fails, you need not worry. Choose from the below options:

Contact: Reach out to the bank or the service provider through which you made the transaction. You must confirm the transaction made and resolve the issue of payment failure.

Raise a Request: You can raise a request from the same page using the "Raise a Request" link provided in the receipt.

Alternatively, choose from the below options that apply to you and follow the steps mentioned for that option.

• Existing User: If you are an existing user, you can login to your Shriram Finance customer portal, and visit the "My Profile" section to "Raise a Request."
• New User: If you are a new user, sign up using your name, mobile number, e-mail ID, and mPIN. Thereafter, visit the "My Profile" section to "Raise a Request."
• Specific Transaction: To raise a request for a specific transaction, navigate to "Transaction History," choose the specific transaction, click on "Need Help," to provide the necessary details, and click "Submit."

Customer Support: Reach out to our customer support team for assistance, as we can guide you through the troubleshooting process and help you resolve any billing issues.

What Happens If I Don't Pay My Altum Credo Home Finance Loan Repayment on Time?

Failing to pay your Altum Credo Home Finance loan EMI on time can result in late fees on your existing EMI. Moreover, late or missed payments are reported to credit bureaus, which can lower your Altum Credo Home Finance credit rating. A lower credit score can make it more challenging to secure instant loans or credit in the future and may result in higher interest rates on any credit you obtain.

You may incur late payment charges, based on the specific terms and conditions of Altum Credo Home Finance.

In extreme cases where a significant amount remains unpaid for an extended period, Altum Credo Home Finance might, at its discretion, initiate legal proceedings.

How to Check My Altum Credo Home Finance Loan Repayment Status on Shriram Finance?

Shriram Finance offers two convenient options to check your Altum Credo Home Finance loan repayment status:

New Users:

a) Click the 'View Transaction History' button after finishing your Altum Credo Home Finance loan EMI payment.

b) Register using a name, mobile number, email address, and mPIN.

c) You will then be redirected to the Shriram Finance Customer Portal.

d) Visit your profile, select 'Transaction History,' and check the status of your most recent loan repayment.

Existing Users: If you've already signed up, login to the Shriram Finance Customer Portal, select your profile, and then access 'Transaction History' to see the status of your most recent loan repayment.

Know the Types of Loans Provided by Altum Credo Home Finance

Altum Credo Home Finance offers various types of loans, including:

1. Home loans: Altum Credo Home Finance offers home loans for the purchase of new or used homes and for the construction or renovation of homes. Home loans from Altum Credo Home Finance come with interest rates starting at 8.75% p.a.
2. Home improvement loans: Altum Credo Home Finance offers home improvement loans to help customers finance the renovation or improvement of their homes. Home improvement loans from Altum Credo Home Finance have interest rates starting at 9.25% p.a.
3. Loans against property (LAP): LAP loans are secured loans taken against residential or commercial property. Altum Credo Home Finance offers LAP loans with interest rates starting at 11.25% p.a.
4. Balance transfer loans: Altum Credo Home Finance offers balance transfer loans to help customers transfer their existing home loan to Altum Credo Home Finance at a lower interest rate. Balance transfer loans from Altum Credo Home Finance come with interest rates starting at 8.50% p.a.
5. MSME loans: Altum Credo Home Finance offers MSME loans to help small and medium-sized enterprises (SMEs) grow and expand. MSME loans from Altum Credo Home Finance come with interest rates starting at 10.25% p.a.

How to Calculate Altum Credo Home Finance Loan Repayments?

For calculating Altum Credo Home Finance loan repayments online, you can refer to the following steps:

1. Access Altum Credo Home Finance's website or app.
2. Enter the loan amount.
3. Choose the loan tenure.
4. Input the interest rate.
5. Altum Credo Home Finance will provide you with a loan EMI amount.
6. Use the Altum Credo Home Finance loan calculator for the EMI calculation and get a quick estimate.

Ensure you meet the eligibility criteria before you apply online.

What Happens If I Miss an EMI Payment on My Loan?

If you miss an EMI payment on your loan, you may face the following consequences:

• Late fee charges may apply.
• Negative impact on your credit score.
• Loan settlement may be affected.
• Interest may accrue.

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