Published Apr 16, 2026 · 4 Min Read

Copy Link

Air coolers provide an effective way to beat the rising heat in India without consuming excessive electricity. These appliances use the natural process of evaporation to lower the air temperature, making them perfect for dry summer climates. You can select from various models like desert, tower, or personal coolers based on your room size. 

 
When you choose a high-performance model, the Bajaj Finserv Insta EMI Card helps you manage the cost. It allows you to convert the purchase price into Easy EMIs for a stress-free shopping experience.

Overview of air coolers

Modern air coolers offer a sustainable and budget-friendly cooling solution for your home or office. These units feature honey-comb cooling pads and powerful blowers to deliver a consistent stream of chilled air. Many models now include ice chambers to enhance the cooling effect during peak afternoon hours. They also work efficiently with open windows, ensuring fresh air circulation throughout the space. You should check the tank capacity and the air throw distance to ensure the unit meets your specific requirements for a comfortable indoor environment.

Price list of the top selling air coolers on EMIs (2026)

Explore our curated list of popular air coolers available in the Indian market. These models combine high performance with affordability to help you stay cool during the summer months.
 

Model nameKey featuresPrice
Bajaj PX 97 Torque New36-litre capacity, hexa-cool technology, 30-feet air throwRs. 6,290
Symphony Diet 12T12-litre capacity, honeycomb pads, multi-directional wheelsRs. 6,799
Crompton Marvel Neo40-litre capacity, everlast pump, large ice chamberRs. 7,499
Havells Freddo70-litre capacity, collapsible louvres, dust filterRs. 12,490
Hindware Snowcrest85-litre capacity, humidity control, high air deliveryRs. 13,200
Symphony Sumo 75 XL75-litre capacity, cool flow dispenser, powerful fanRs. 14,999
Crompton Optimus 6565-litre capacity, humidity control, easy-to-cleanRs. 15,500
Bajaj DMH 90 Neo90-litre capacity, turbo fan technology, ice chamberRs. 15,999
Orient Electric Ultimo65-litre capacity, aero-fan technology, 3-speed controlRs. 16,500
Blue Star Windus75-litre capacity, cross drift technology, UV protectionRs. 17,400

Disclaimer: Product features, availability, and prices may differ based on location and time. For the latest and most accurate details, visit a partner store. 

Tips to choose the right air cooler for your needs

Selecting the ideal air cooler involves evaluating your room size and local weather conditions. Follow these simple steps to find a unit that delivers the best cooling performance for you.

  • Calculate the square footage of your room to determine the required air delivery or CFM.
  • Choose a desert cooler for large, well-ventilated halls and a tower cooler for compact bedrooms.
  • Check for features like an ice chamber if you live in an area with extreme temperatures.
  • Opt for a model with an inverter-compatible motor to ensure cooling during power cuts.
  • Verify the water tank capacity to avoid frequent refills during the night.

What is a Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card is a digital payment tool that simplifies your shopping experience. It provides you with a pre-approved card loan offer that you can use to purchase electronics, appliances, and life-care services. You can use this card at over 1.5 lakh partner stores across India to split your bill into Easy EMIs. It eliminates the need for immediate full payments, making premium products more accessible. The card offers a seamless digital process for quick activation and immediate use for your household needs.

 
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 cooler easily and affordably.

How to buy an air cooler using the Insta EMI Card

You can easily upgrade your home cooling system by using your card at any partner outlet. This process is quick and helps you stay within your monthly financial plan.

  • Visit a nearby partner retail store that stocks your preferred brand of air cooler.
  • Select the air cooler model that fits your cooling needs and budget.
  • Reach the billing counter and share your Insta EMI Card details with the representative.
  • Choose a comfortable repayment tenure that suits your monthly income.
  • Provide the One Time Password sent to your registered mobile number to complete the transaction.

Benefits of using the Insta EMI Card

FeatureDetails
Easy EMIsSplit the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly.
High pre-qualified limitGet up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress.
Wide acceptance networkAccepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms.
Flexible repayment tenureChoose a repayment period from 3 to 60 months based on your financial comfort.
Zero down payment offersAvail deals with no upfront payment requirement on select models.
No foreclosure chargesClose your loan early without any penalties or extra fees.
Credit score benefitTimely 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: 21 years to 65 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

Frequently asked questions

Which brands of air coolers can I buy on EMIs this summer?

You can find a wide range of reputable brands such as Bajaj, Symphony, Crompton, Havells, and Orient available on Easy EMIs. Most leading retailers in India partner with financial service providers to offer these plans. This allows you to pick a high-quality cooler while spreading the cost over several months.

How to purchase a Symphony desert cooler without using a credit card?

You do not need a credit card to buy your favourite Symphony cooler. Simply use the Bajaj Finserv Insta EMI Card at a partner store to avail of a card loan offer. This method allows you to convert the total price into manageable monthly instalments without requiring a traditional credit card or high upfront costs.

What is the monthly instalment for a Crompton 75-litre air cooler in 2026?

The monthly instalment depends on the specific price of the Crompton 75-litre model and the tenure you select. For a cooler priced around Rs. 15,000, your instalment could be approximately Rs. 2,500 if you choose a six-month plan. You should check the latest store offers for the exact calculation.

Is it possible to buy a tower air cooler on zero down payment in India?

Yes, many retailers offer tower air coolers with a zero down payment scheme during the summer season. You can use your Bajaj Finserv Insta EMI Card to access these offers at participating stores. This means you can take the cooler home immediately without paying any money at the time of purchase.

What is the difference between a desert cooler and a personal cooler?

Desert coolers suit large rooms or outdoor areas because they feature powerful fans and large water tanks. They deliver high air delivery to cool expansive spaces effectively in dry Indian climates. You should place them near a window for cross-ventilation to ensure the best performance during the peak summer heat.

Personal coolers work best in small bedrooms or study areas due to their compact size and lower power consumption. They use blowers instead of fans to provide a focused stream of air for an individual. You can move these units easily between rooms to enjoy a comfortable environment wherever you sit.

Show more Show less

More articles

reason-get-emicard-v2.jpg 1

5 reasons to get Insta EMI Card

Read more

 Festive season on No Cost EMIs 2

Festive season on Easy EMIs

Read more

 Shop online on no cost emis 3

Shop online on Easy EMIs

May 23, 2025

Read more

More videos

Insta EMI Card - An overview
 
 

Insta EMI Card - An overview

Why get the Insta EMI Card?
 
 

Why get the Insta EMI Card?

Who is eligible for the Insta EMI Card?
 
 

Who is eligible for the Insta EMI Card?

Insta EMI Card for all your summer needs
 
 

Insta EMI Card for all your summer needs

You are here

Related links

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.
For customer support, call Personal Loan IVR: 7757 000 000

Download app image