Summer in India can be relentless, and a good air conditioner is no longer a luxury — it is a necessity. Whether you are cooling a compact bedroom, a living room, or a larger home, the right AC makes a significant difference to your daily comfort and sleep quality. From energy-efficient inverter models to powerful window units, top brands like LG, Samsung, Voltas, Blue Star, and Hitachi offer excellent options across every budget.
Upfront costs can feel daunting, but you do not need a credit card to bring one home. With the Bajaj Finserv Insta EMI Card, you can purchase your preferred air conditioner and convert the cost into Easy EMIs — making comfort an everyday reality, not a distant goal.
Types of air conditioners available on Easy EMIs by budget
Explore a variety of air conditioners available on Easy EMIs, designed to suit different room sizes, cooling needs, and budgets. Whether you need compact cooling for a small space or powerful climate control for a larger home, there is an option for every requirement.
Window AC
Window ACs are compact units that fit directly into a window or wall opening. Ideal for single rooms, they offer efficient cooling and come at a budget-friendly price — making them a practical choice for first-time AC buyers looking for Easy EMI options.
Split AC
Split ACs consist of an indoor and an outdoor unit, providing powerful and quiet cooling for larger rooms. Known for their sleek design and efficient performance, split ACs are widely popular and easily available on Easy EMI plans across top brands.
Portable AC
Portable ACs are movable units that do not require permanent installation. Perfect for renters or temporary setups, they offer flexible cooling solutions and can be purchased on Easy EMIs for stress-free, manageable payments.
Central AC
Central AC systems are designed to cool entire homes or commercial spaces uniformly. Offering advanced climate control and strong energy efficiency, these units are ideal for larger areas and can also be financed through Easy EMI options.
Price guide — Types of air conditioners available on Easy EMIs
| Air conditioner type | Starting price |
|---|---|
| Split AC | Rs. 26,990 |
| Window AC | Rs. 25,490 |
| Portable AC | Rs. 1,499 |
Use your Insta EMI Card to shop for the type of AC you need affordably, without paying a lump sum upfront. Check your Insta EMI Card eligibility now using your mobile number and OTP.
Types of air conditioners available on Easy EMIs by star rating
Air conditioners are rated from 1 Star to 5 Star based on energy efficiency. Choosing the right star rating helps you save on electricity bills while enjoying comfortable cooling. All these ACs are available on Easy EMI options for flexible payments.
1 Star AC
1 Star ACs offer basic cooling at an affordable price but consume more electricity than higher-rated models. They are suitable for small rooms or occasional use and can be conveniently purchased on Easy EMIs.
3 Star AC
3 Star ACs provide a balanced combination of cooling performance and energy efficiency, making them ideal for moderate, regular use. These units deliver reasonable electricity savings and are easily available with Easy EMI plans.
5 Star AC
5 Star ACs are highly energy-efficient and deliver superior cooling performance while keeping electricity consumption low. Perfect for frequent or all-day use, these premium units can also be bought on flexible Easy EMI options — making the higher upfront cost far more manageable.
Star rating vs starting price
| Air conditioner star rating | Starting price |
|---|---|
| 5 Star | Rs. 32,990 |
| 4 Star | Rs. 30,990 |
| 3 Star | Rs. 26,990 |
| 2 Star | Rs. 25,490 |
List of top-rated ACs available on Easy EMIs
| AC model | Brand | Type | Key features | MRP | Offered price |
|---|---|---|---|---|---|
| 1.5-ton 3 Star Window AC | Voltas | Window AC | Compact design, copper condenser, energy-efficient cooling | Rs. 38,000 | Rs. 27,990 |
| 1-ton 5 Star Window AC | LG | Window AC | Energy-saving, durable build, fast cooling | Rs. 34,000 | Rs. 25,490 |
| 1.5-ton 3 Star Window AC | Hitachi | Window AC | Quick cooling, easy maintenance, long-lasting | Rs. 36,500 | Rs. 26,990 |
| 1.5-ton 3 Star 5-in-1 Convertible Inverter Split AC (18TTC3-W) | Godrej | Split AC | i-Sense tech, hydrophilic blue fins, silent compressor | Rs. 45,900 | Rs. 33,990 |
| 1.5-ton 5 Star Inverter Split AC (US-Q19CNZE) | LG | Split AC | Dual inverter compressor, copper condenser, 6-step fan | Rs. 55,990 | Rs. 47,990 |
| 1.5-ton 3 Star Convertible Inverter Split AC (183V Vectra Magnum) | Voltas | Split AC | Turbo tech, dual temp display, anti-fungal filter | Rs. 64,990 | Rs. 33,990 |
| 1-ton Portable AC (PC12DB) | Blue Star | Portable AC | Easy mobility, self-diagnosis, high ambient cooling | Rs. 38,000 | Rs. 30,990 |
| 1-ton Portable AC (GLP12B01TP) | Lloyd | Portable AC | Compact design, auto restart, effective cooling | Rs. 35,000 | Rs. 28,490 |
| 1.5-ton Portable AC (CPCATF-PQ3S12) | Cruise | Portable AC | Multi-stage filtration, energy-efficient, suited for medium rooms | Rs. 40,000 | Rs. 32,990 |
Disclaimer: Product features, availability, and prices may differ based on location and time. For the latest and most accurate details, visit a partner store.
What is a Bajaj Finserv Insta EMI Card?
The Bajaj Finserv Insta EMI Card is a financial tool that lets you shop for large appliances — including air conditioners — and convert the total cost into Easy EMIs, without needing a credit card. It offers a card loan offer of up to Rs. 3 lakh, giving you the purchasing power to choose from premium AC brands and models without paying the full amount upfront. The card is accepted at over 1.5 lakh partner stores across India, covering both leading online platforms and physical retail outlets.
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 air conditioner easily and affordably.
How to buy an air conditioner using the Insta EMI Card
Buying your ideal air conditioner on Easy EMIs with the Bajaj Finserv Insta EMI Card is a straightforward process — here is how to get started in just a few steps.
- Step 1 — Check eligibility: Visit the Bajaj Finserv website, enter your mobile number and OTP, and confirm whether you have a pre-qualified offer available for use.
- Step 2 — Choose your AC: Browse from top brands like LG, Samsung, Voltas, Blue Star, and Hitachi across window, split, and portable models — and pick the one that suits your room size and budget.
- Step 3 — Visit a partner store or shop online: Head to any of the 1.5 lakh partner stores across India or shop through a partner online platform.
- Step 4 — Select the Insta EMI Card at checkout: At the time of payment, choose the Bajaj Finserv Insta EMI Card as your preferred payment method.
- Step 5 — Pick your repayment tenure: Select a repayment tenure across 3 to 60 months that fits your monthly budget and confirm the purchase.
- Step 6 — Take your AC home: Your order is confirmed and your Easy EMI schedule begins immediately — no full upfront payment, no credit card required.
Benefits of using the Insta EMI Card
| Feature | Details |
| Easy EMIs | Split the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly. |
| High pre-qualified limit | Get up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress. |
| Wide acceptance network | Accepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms. |
| Flexible repayment tenure | Choose a repayment period from 3 to 60 months based on your financial comfort. |
| Zero down payment offers | Avail deals with no upfront payment requirement on select models. |
| No foreclosure charges | Close your loan early without any penalties or extra fees. |
| Credit score benefit | Timely EMI payments may help strengthen your credit profile and financial health. |
Also read: Features and benefits of the Bajaj Finserv Insta EMI Card
Eligibility criteria for the Insta EMI Card
- Nationality: Indian Citizen.
- Age: 19 years to 70 years.
- Credit score: A healthy credit score per Bajaj Finserv policies.
- Income: A steady, regular source of income.
- Documents: PAN Card, Aadhaar Card, and a cancelled cheque for e-mandate.
Also read: Eligibility criteria for the Insta EMI Card
How to apply for an Insta EMI Card
- Verify mobile number: Enter your 10-digit mobile number and verify the OTP sent to your phone to initiate the process.
- Auto-fetch details: Provide your full name and select the option to auto-fetch your details for a faster application experience.
- Confirm information: Verify your pre-filled personal details carefully and click on the continue button to move to the next stage.
- Check offer: Review your pre-qualified card loan offer amount and select continue to proceed with the specified limit.
- Set up wallet: Review your wallet setup details and verify the security OTP to integrate the card with your account.
- Verify identity: Complete your identity verification process by confirming your current residential address as per the required official records.
- Pay fee: Make the mandatory one-time joining fee payment of Rs. 530 through the secure digital payment gateway provided.
- View card: Access and view your new digital card details instantly on the Bajaj Finserv application after the successful payment.
Also read: How to apply for the Insta EMI Card
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