Home Credit India Integrates Quick Disbursals with Legacy POS Systems to Enhance Consumer Durable Lending Experience

As aspirations rise in India’s semi-urban and urban centers, the demand for quick, reliable, and hassle-free credit is surging. Home Credit India (HCIN), a subsidiary of the TVS Group, has responded by integrating its fast, secure, and paperless loan disbursal process with tech-enabled Point-of-Sale (POS) systems—making essential and aspirational products instantly accessible at the last mile.

According to Home Credit India’s How India Borrows (HIB) 2024 study, borrowing for smartphones and home appliances jumped from just 1% in 2020 to 37% in 2024, underlining the growing appetite for aspirational products and accessible POS-based financing.

Speed and Trust at POS

Recognizing that POS interactions often shape customer decisions in the competitive consumer durables market, HCIN has strengthened its on-the-spot credit capabilities. The fully paperless process ensures real-time loan approvals at purchase, cutting wait times and eliminating friction—critical for India’s tech-savvy and time-conscious buyers.

“In a market where every second counts and trust is paramount, instant financing at the POS is a game-changer,” said a company spokesperson. “Our mission is to empower dreams at the grassroots level while advancing financial inclusion.”

Beyond Disbursal: A Holistic, Customer-First Approach

HCIN’s proposition extends beyond speed, covering the entire borrowing journey:

Fast Approvals at Purchase: Real-time loan approval enables immediate purchasing decisions. The HIB 2024 report found 43% of lower-middle-class borrowers prefer EMI cards for reliability and quick disbursals, validating POS-led financing.

• Transparent Terms: Interest rates and fees are clearly explained to avoid hidden costs.

• Simple Loan Features: Designed for easy understanding, especially for first-time borrowers.

• Flexible Tenures: Multiple repayment options to suit varied budgets.

• Extensive Reach: Available at 53,000 POS locations across 625 cities, ensuring nationwide accessibility.

• Smooth Applications: Minimal documentation and real-time processing make the journey stress-free.

• Strong Post-Purchase Support: Customer care, fast issue resolution, and courteous collections maintain trust.

Meeting India’s Digital Shift

The HIB 2024 study shows 65% of borrowers prefer app-based banking for 24/7 access, 29% trust chatbot responses, and 26% trust loan offers on WhatsApp—highlighting growing digital comfort. HCIN’s POS disbursal integration complements this digital trend, bridging physical and online lending experiences.

By merging advanced disbursal technology with an extensive POS network, Home Credit India is not just simplifying lending—it is democratizing access to credit and enabling millions to instantly fulfill their consumer durable aspirations. The company continues to strengthen retail partnerships and post-loan support, reaffirming its vision for transparent, accessible, and customer-focused financial solutions.