Published Apr 16, 2026 · 4 Min Read

Croma air coolers offer a dependable way to maintain a pleasant indoor environment during the sweltering Indian summers. These appliances utilise high-quality honeycomb pads and powerful blowers to deliver a steady stream of chilled air across your room. You can choose from a variety of models, including slim tower units for compact spaces or robust desert coolers for larger halls. 

 
When you select a model that fits your needs, the Bajaj Finserv Insta EMI Card makes your purchase affordable. It allows you to convert the cost into Easy EMIs for better financial management.

Overview of Croma air coolers

Croma air coolers combine sleek aesthetics with efficient cooling technology to handle diverse weather conditions. These units often feature anti-bacterial tanks and mosquito filters to ensure that the air you breathe remains clean and hygienic. Most models come with inverter compatibility, ensuring that your cooling does not stop during frequent power cuts. With user-friendly knob controls and multi-directional castor wheels, these coolers offer great portability and ease of use. They serve as an energy-efficient alternative to air conditioners, significantly reducing your monthly electricity expenditure while providing immediate relief from the heat.

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

Explore the latest range of Croma air coolers designed for the Indian market. These models provide excellent performance and are available on monthly instalments to suit your budget.
 

Model nameKey featuresPrice
Croma 18-litre personal cooler160 sq. ft. coverage, honeycomb padsRs. 4,299
Croma 40-litre personal cooler180 sq. ft. coverage, mosquito filterRs. 5,499
Croma 30-litre tower cooler200 sq. ft. coverage, 8-inch blowerRs. 5,999
Croma 30-litre tower cooler (grey)Inverter compatible, ice chamberRs. 6,499
Croma 60-litre desert cooler500 sq. ft. coverage, 40-feet air throwRs. 8,499
Croma 75-litre desert cooler4200 m3/h air delivery, auto-fillRs. 11,999
Croma 47-litre tower coolerMotorised louvres, slim designRs. 12,210

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

Please note: Easy EMIs are applicable on purchases above Rs. 5,000.

Why choose a Croma air cooler

Croma coolers stand out for their durable build quality and thoughtful features that cater to the specific needs of Indian households. These units offer high value through consistent and reliable performance.

  • Experience superior cooling with advanced honeycomb pads that retain water for longer durations.
  • Enjoy a healthier living space with built-in anti-bacterial technology that prevents the growth of germs in the water tank.
  • Save on electricity bills with energy-efficient motors that consume less power than traditional air conditioning units.
  • Maintain a peaceful home environment with low-noise operation, making them ideal for bedrooms and study areas.
  • Benefit from a long product life with rust-proof thermoplastic bodies that withstand humid conditions.

Tips to choose the right Croma air cooler for your needs

Selecting the perfect cooler involves matching the technical specifications of the unit with the size and ventilation of your room. Follow these steps to make an informed decision.

  • Measure the square footage of your room to ensure the cooler has an adequate coverage area.
  • Opt for a desert cooler if you need to cool a large living room or a shop with multiple windows.
  • Choose a tower cooler if you have limited floor space and require a slim, vertical design.
  • Check for an ice chamber if you live in regions where temperatures frequently cross 40 degree Celsius.
  • Verify the water tank capacity to ensure the unit runs throughout the night without needing a refill.

What is a Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card is a digital tool that provides you with a pre-approved card loan offer for your shopping needs. You can use this card at various partner outlets to buy home appliances, electronics, and furniture without paying the full amount upfront. It allows you to split the purchase price into manageable Easy EMIs over a tenure that you prefer. The card eliminates the need for complex documentation during every purchase, offering a smooth and swift checkout experience. It is a reliable companion for managing high-value expenses without straining your monthly savings.

 
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 a Croma air cooler using the Insta EMI Card

You can easily upgrade your home cooling by using your card at any partner retail store. The process is straightforward and ensures you stay within your monthly budget while enjoying premium products.

  • Visit a Croma partner store and select the Croma air cooler model that fits your requirements.
  • Approach the billing counter and request the representative to process your payment using the Insta EMI Card.
  • Provide your card details and choose a repayment tenure that you are comfortable with.
  • Share the One Time Password sent to your registered mobile number to authenticate the transaction.
  • Complete the quick verification process to take your new cooler home immediately on monthly instalments.

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
 

Explore more:

EMI full formBNPLPOS full form

Frequently asked questions

Which Croma air cooler can I buy on monthly instalments in India?

You can purchase almost any Croma cooler model, including personal, tower, and desert variants, on monthly instalments. As long as your total invoice amount exceeds Rs. 5,000, you can use your card loan offer. Popular models like the 75-litre desert cooler are frequently available on such plans.

How to purchase a Croma tower cooler on EMIs?

To buy a tower cooler, visit a partner store and select your preferred unit. At the time of billing, present your Bajaj Finserv Insta EMI Card and choose a suitable tenure. The store representative will process the transaction, and you will receive a confirmation message on your mobile phone instantly.

Are zero down payment offers available on Croma coolers?

Yes, many Croma air cooler models come with zero down payment offers during the peak summer months. This means you do not have to pay any money at the time of purchase. You can simply start your monthly instalments from the following month, making it very convenient to shop.

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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

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