Croma Republic Day Sale Offers 2027 with Insta EMI Card

The Croma Republic Day sale is Croma's first big sale of the year, held in the run-up to 26 January. It is known for price cuts on phones, laptops, TVs, and home appliances at stores and online. For you, it means starting the year with a planned upgrade, at a much lower price than usual.

The discounts are only part of what makes the Croma Republic Day sale popular. Here is why many Indian families plan their new-year purchases around it:

• One of Croma's biggest sales: Croma runs 3 major sales each year, and the Republic Day sale is the first one. It is the best time to buy before the Independence Day sale in August.
• Special prices for students: In the 2026 sale, the MacBook Air M4 had a student price of Rs. 53,913, which helps college students upgrade for less.
• Shop on a holiday: Republic Day 2027 falls on a Tuesday, a national holiday, so you can visit a partner store without taking leave.

→ Key takeaway: Early-year discounts, student pricing, and holiday shopping all come together only during this sale. Waiting to save the full amount can mean paying more until August, and the Bajaj Finance Insta EMI Card lets you shop on Easy EMIs while the Republic Day offers last.

Croma usually announces its Republic Day sale a few days before it starts. Based on the 2026 edition, here are the key dates to plan your shopping around:

• 16 January 2026, sale began: The 2026 sale opened across all Croma stores and online, giving shoppers 11 days to compare and buy.
• 23 to 26 January 2026, extra deals: Croma added more offers on premium home appliances, kitchen essentials, and Apple products in the final 4 days.
• Mid-January 2027 (expected): The next sale is likely to start around the same time, about 10 days before Republic Day.
• 26 January 2027, Republic Day: The sale usually ends on Republic Day, so plan big purchases a few days earlier for a better choice of stock.
• Mid-August 2027, next big sale: If you miss this one, Croma's next major sale is usually the Independence Day sale.

→ Pro tip: Shortlist 2 or 3 models in the first week of January 2027. When the sale starts, you can compare prices quickly and buy before popular models sell out.

The Croma Republic Day sale covers almost every electronics category, but some get deeper cuts than others. Here are the highlights from the 2026 edition, which give a fair idea of what to expect in 2027:

• Speakers, up to 75% off: Party and Bluetooth speakers saw the biggest cuts, which makes them great for house parties and family gatherings.
• Gaming laptops, from Rs. 50,000: A good time for students and gamers to upgrade without spending a fortune.
• Smart TVs, from Rs. 8,990: Google TVs and smart TVs were very affordable, which suits a bedroom or a small living room.
• Air purifiers, from Rs. 6,999: January brings poor air quality in cities like Delhi, so this is a timely buy for families with children or elderly parents.
• Washing machines, from Rs. 31,290: Fully automatic models help busy families save time on laundry every week.

The sale price is only the starting point. A few smart choices can cut your bill further and keep saving you money long after January. Here is how to get more from the sale:

• Compare prices before you visit: Croma's sale prices can vary by store, day, and city. Checking croma.com or the Croma app first helps you know the best price before you walk in.
• Shop in the final days for extra deals: In 2026, Croma added more offers in the last 4 days of the sale, so it can pay to check again before you buy.
• Choose a higher star rating: A 5 Star washing machine or refrigerator uses fewer units each year, so you keep saving on your power bill every month.

These tips help you pick the right product at the right price, but the best deals do not wait. With the Bajaj Finance Insta EMI Card, you can bring your new phone, laptop, or appliance home during the sale and pay for it in easy monthly amounts across 3 to 60 months.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan, not a credit card. It is 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 your Croma purchase and other shopping.
• A repayment tenure across 3 to 60 months, so you can pick a duration that fits your monthly budget.
• Access to over 1.5 lakh partner stores across more than 4,000 cities in India, including Croma.
• 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 smartphone, laptop, or home appliance easily and affordably.

Easy EMIs change what you can afford at the start of the year. Here is how they help you make better buying decisions during the Croma Republic Day sale:

• Recover from December spending: Year-end holidays and New Year plans can stretch your budget. Monthly instalments let you shop in January without dipping into your savings.
• Support your child's studies: You can buy a laptop before board exams in February and spread the cost over the months that follow.
• Choose a better model: You can pick a 55-inch TV over a 43-inch one, or a 5 Star washing machine over a 3 Star model.
• Upgrade 2 things in one visit: Many families need a new TV and an air purifier at the same time. With Easy EMIs, you can buy both in one trip to the partner store.

→ Verdict: If you already plan to buy a phone, laptop, or appliance in the new year, the Insta EMI Card is the smarter way to pay at Croma. You lock in the Republic Day price now and pay for it gradually.

Applying for the Bajaj Finance Insta EMI Card takes only a few minutes online and does not need any physical paperwork. Follow these steps to apply.

1. Enter your 10-digit mobile number and click on 'CHECK OFFER' on the Insta EMI Card 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 identity verification by confirming your current residential address.
8. Pay the 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 process may differ based on whether you are a new or existing Bajaj Finance customer.

Also read: How to apply for the Insta EMI Card

You can use the Bajaj Finance Insta EMI Card at any Croma partner store during the Republic Day sale. Paying takes only a few minutes at the billing counter. Here is how:

1. Browse and select your product at a Croma partner store.
2. At checkout, tell the partner 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 product home.

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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