About EMI Network
The Bajaj Finserv EMI Network is a hub of over 1.5 lakh partner stores across 4,000 cities. Our huge network lets you purchase the latest smartphones, televisions, washing machines, air conditioners, air coolers, furniture, lifecare services, groceries, clothes, accessories, and much more on Easy EMIs.
You can shop for your favourite products on the EMI Network and get a loan limit of up to 3 lakh. You can choose from a variety of products and avail of free home delivery.
With the EMI Network, you can enjoy a hassle-free shopping experience and a zero down payment facility on select products.
You can use our mobile app to make your transactions smoother. Download Now
You can shop on the EMI Network and get your favourite products with Easy EMI benefits. Follow these steps:
If you wish to buy a product at a store near you with the Insta EMI Card, here are the steps to follow:
- 1 Visit the Bajaj Mall website.
- 2 Browse, compare and shortlist the products you want to purchase.
- 3 Visit your nearest Bajaj Finserv partner stores to experience the product in person.
- 4 Choose the product you want to purchase and opt for financing options from Bajaj Finserv.
- 5 Benefit from Easy EMI and zero down payment schemes.
You could also shop for the latest products on Easy EMIs at our partner e-commerce websites like Amazon, Flipkart, Samsung and more.
The EMI Network gives you the benefit of shopping for over 1 million products on Easy EMI from any of the 1.5 lakh+ stores in 4,000 cities.
You can also download our app to check out more details of the EMI Network or explore some of our other products.
How to shop at a store on the EMI Network
If you wish to buy a product at a store near you, here are the steps to follow:
At our partner stores
- 1 Visit a Bajaj Finserv partner store near you.
- 2 Choose your preferred product.
- 3 Provide your EMI Network Card details or opt for in-store financing.
- 4 Select a repayment tenure for the Easy EMIs offers.
The EMI Network gives you the choice of getting the product of your choice on Easy EMIs at a store near you or by shopping online at any of our e-commerce partner store from the comfort of your home.
Overall, the process remains the same - select the product of your choice, choose a convenient repayment tenure and get the product on Easy EMIs.
Features of the EMI Network
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Card limit of up to Rs. 3 lakh
From televisions and smartphones to furniture and groceries, buy products on Easy EMIs across 1.5 lakh partner stores.
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Repay easily
Repay the cost of your purchase at your convenience over a tenor of 3 months to 60 months
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Minimal documentation
All you need are your KYC documents, a signed ECS mandate, and a cancelled cheque
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Easy EMIs
With the Bajaj Finserv EMI Network, you can purchase a variety of products – from home appliances, furniture, musical instruments and more on Easy EMIs.
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Pre-approved offers
As an existing customer, you get exclusive pre-approved offers from time to time across all our partners
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Minimal processing fees
Most of the products on the EMI Network have minimal or no processing fees. You pay the exact price of your product, divided into monthly EMIs
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Minimal down payment
Buy the latest products on Easy EMIs with minimal or zero down payment.
To be eligible, you must fulfil some basic criteria like:
- Indian nationality
- 21 to 65 years of age
- Have a regular source of income
You would also require the below mentioned documents:
- Aadhaar card
- Cancelled cheque
- Signed ECS mandate
Fees and charges
Processing fees varies from products, schemes and dealers purchased on the EMI Network categories.
Type of fees |
Amount (Rs.)/ Percentage (%) and Description |
Processing fees |
Up to Rs 1,017/- (inclusive of applicable taxes) collected upfront / in 1st EMI. |
| Upfront Interest | Up to Rs.1,017/- Collected upfront/ in 1st EMI |
Bounce charge |
Rs. 500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason. |
Penal Charge |
Delay in payment of instalment(s) shall attract Penal Charge at the rate of 36% per annum per instalment from the respective due date until the date of receipt of the full instalment(s) amount. |
Convenience fee |
For Existing to Bajaj (ETB*) Rs.236/- (Inclusive of applicable taxes) will be collected along with 1st instalment. *ETB - Transaction processed through the Insta EMI Card |
Credit Suraksha fee |
Rs 59/- (Inclusive of applicable taxes) wherever applicable |
Full prepayment (Foreclosure) charges |
NIL |
Part-prepayment |
NIL |
Note: Additional cess will be applicable on all charges in accordance with the state specific laws.
*The processing fee may vary at the time of purchase.
Fee amount subject to change.
Frequently asked questions
The Bajaj Finserv EMI Network is the way to pay for your favourite electronics, appliances, TVs, laptops, smartphones, furniture, groceries, accessories, clothes and much more. You can divide the cost of your purchase into Easy EMIs.
You can shop for 1 million products on the Bajaj Finserv EMI Network. The categories include electronics, large and small appliances, gadgets, clothes, accessories, eyewear, footwear, watches, international and domestic flight tickets, hotel stays, holiday packages, education and even groceries. Visit the store locator to find your nearest Bajaj Finserv partner store.
To get the card offline, visit any of the Bajaj Finserv partner stores, submit KYC documents with a cancelled cheque and a signed ECS mandate at the time of your first purchase.
Yes, there are 1,000+ offers available on various products on the Bajaj Finserv EMI Network. You can view these offers on our website, the Bajaj Finserv Wallet app or visit any of our 1.5 lakh+ partner stores and ask the in-store representative for these offers. The offers will also be communicated to you via our promotional e-mails or SMS from time to time.
To shop on the EMI Network, you will need to submit your government-issued photo ID proof and residence proof, one cancelled cheque, one passport size photograph and a signed ECS mandate.
The Bajaj Finserv EMI Network Card lets you shop for your favourite electronic items and appliances, gadgets, clothes, accessories, eyewear, footwear, watches, groceries, book flight tickets, holiday packages, pay for coaching classes and more.
A processing fee may be charged and depends on many factors such as the category of the product you wish to buy, the store you buy it from and the EMI schemes available on the product at the time. There are no hidden charges whatsoever.
You can use this card across any Bajaj Finserv partner outlet to shop for 1 million products in more than 4,000 cities in India.
You can apply for a Bajaj Finserv EMI Network Card by clicking here. You can also apply for a Bajaj Finserv EMI Network Card at the time of your first purchase at any of our partner stores by submitting some basic documents.
The EMI Network Card eligibility criteria are as follows:
- You must be between 21 years and 65 years of age
- You must have a regular source of income
