Advantages of Rainwater Harvesting

Rainwater harvesting is the process of collecting and storing rainwater — from rooftops, paved areas, or open land — for later use or to recharge groundwater. The stored water can be used directly for irrigation, cleaning, and other non-potable purposes, or allowed to percolate underground to replenish depleted aquifers. Tools like filters, storage tanks, and recharge pits make this process efficient for homes and businesses.

India faces mounting pressure on its water resources, making rainwater harvesting more of a necessity than a choice. Here is why it matters.

• Low rainfall capture: India captures only about 8% of its annual rainfall due to inadequate harvesting infrastructure, losing the rest to runoff.
• Heavy groundwater dependence: India is the world's largest user of groundwater, drawing on it for the majority of both irrigation and drinking water needs.
• Falling water availability: Per capita water availability in India has declined to around 1,100 cubic metres, close to the internationally recognised water stress threshold.
• Government mandates: States such as Tamil Nadu, along with cities like Pune, Mumbai, and Bengaluru, have made rainwater harvesting compulsory in new buildings to slow groundwater depletion.

→ Key takeaway: With India capturing only 8% of its rainfall and relying heavily on shrinking groundwater, installing your own rainwater harvesting system is one of the few water-security steps a household can take directly, rather than waiting on infrastructure or policy.

When buying rainwater harvesting tools, you have two straightforward ways to pay. Here is how they compare.

• Pay the full amount upfront: Pay the entire price, ranging from Rs. 4,500 to Rs. 19,500 depending on the tool, at the time of purchase.
• Use the Bajaj Finance Insta EMI Card: Get a pre-qualified card loan of up to Rs. 6 lakh and split the cost across 3 to 60 months, without needing a separate credit card.

→ Buyer scenario: A homeowner buying the Rainy FL - 300 filter at Rs. 19,500 can use the Insta EMI Card to avoid paying the full amount upfront, spreading it across a tenure that suits their monthly budget instead of dipping into savings for a one-time purchase.

The table below shows how the same Rs. 19,500 purchase breaks down across different tenures, so you can see how a shorter or longer repayment period changes your monthly EMI.

Disclaimer: These are indicative figures based on a simple division of the product price across the tenure shown, with no interest, processing fee, or other charges factored in. Your actual EMI amount will depend on the terms of your card loan offer.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan, not a credit card, issued to existing Bajaj Finance customers with a good repayment record and to new applicants who pass KYC and eligibility checks. Here is what the card offers.

• A card loan offer of up to Rs. 6 lakh, usable on rainwater harvesting tools and other purchases.
• A repayment tenure across 3 to 60 months, so you can pick a duration that fits your monthly budget.
• Access to 1.5 lakh+ partner stores across over 4,000 cities in India, both online and offline.
• A one-time joining fee of Rs. 530, with zero annual fee from the second year onwards.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If eligible, you can apply instantly and start shopping for your preferred rainwater harvesting tools easily and affordably.

1. Enter your 10-digit mobile number and click on 'CHECK OFFER' on this page.
2. Enter the OTP and submit.
3. Enter your full name and click on 'Yes, Auto-Fetch Details'.
4. Verify your pre-filled personal details and click on 'CONTINUE'.
5. Check your pre-qualified card loan offer amount and click on 'CONTINUE'.
6. Review your wallet setup details and verify the OTP.
7. Complete your identity verification by confirming your current residential address.
8. Post successful identity verification, pay a one-time joining fee of Rs. 530 (inclusive of applicable taxes).
9. After successful payment, view your card details on the Bajaj Finance app.

Note: The online process may differ depending on whether you are a new customer or have an existing relationship with us.

Also read: How to apply for the Insta EMI Card

Using the Bajaj Finance Insta EMI Card at any of 1.5 lakh+ partner stores is quick and straightforward. The checkout process typically takes under 5 minutes. Follow these steps:

1. Browse and select the rainwater harvesting tool you want to buy at the partner store.
2. At checkout, tell the store executive you want to pay using the Bajaj Finance Insta EMI Card.
3. Share your registered mobile number and card details with the executive.
4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
5. Authenticate the transaction using the OTP sent to your registered mobile number.
6. Your purchase is approved instantly. Take your rainwater harvesting tool home.

If you would rather shop online, you can also buy rainwater harvesting tools on Amazon or Flipkart, select the Bajaj Finance Easy EMI option at checkout, and complete your purchase the same way.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP, helping you plan your purchase better.

The Bajaj Finance Insta EMI Card offers several advantages beyond just splitting payments. From flexible tenures to wide acceptance, here are the key benefits that make this card a practical choice for everyday purchases.

Also read: Features and benefits of the Bajaj Finance Insta EMI Card

Before you apply, it helps to check whether you meet the basic eligibility requirements. The Bajaj Finance Insta EMI Card is open to most working Indians, and the criteria are simple to understand at a glance.

• Nationality: Indian Citizen.
• Age: 21 years to 70 years.
• Credit score:A healthy credit score per Bajaj Finance policies.
• Income: A steady, regular source of income.
• Documents: No physical documentation required when applying online. Only the following details are required: PAN and Aadhaar number.
• Form 60: In case of non-availability of PAN, Form 60 is required.

Also read: Eligibility criteria for the Insta EMI Card

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