Disclaimer
Results generated by the calculator(s) are indicative in nature. The interest rate applied on the loan will depend on the prevailing rates at the time of loan booking.
The calculator(s) are not intended to provide its users/ customers with results that are either certified by Bajaj Finance Limited (“BFL”) or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by BFL, under any circumstances. The calculator(s) is only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer. The use of the calculator is entirely at the risk of the user/ customer, BFL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator.
Frequently asked questions
Use the Bajaj Finserv EMI Network Calculator by entering the product price and your preferred EMI scheme; the tool instantly displays your down payment and monthly instalments.
A scheme type combines your down payment (sometimes as a number of EMIs) and the chosen number of monthly instalments (EMIs) for repayment—for example, 12x4 means paying 4 EMIs upfront, then the rest over 8 months.
Yes, zero down payment is available on select products. If your chosen product qualifies, you can select a scheme like 8x0, where you pay nothing upfront and the total cost divides into easy EMIs.
You can lower your EMI by selecting a longer repayment tenure. Spreading the payments over more months reduces each monthly instalment amount.
Yes, a high debt-to-income ratio can impact eligibility, as it reflects your ongoing financial obligations and repayment capacity, influencing approval chances for the Insta EMI Card.
Each EMI includes a portion of the principal loan amount and the interest charged on it, divided equally over the selected repayment tenure.
The maximum tenure for EMI using the Insta EMI Card can go up to 24 months, depending on the product and offer terms.
Monthly EMIs may include the product cost, processing fee (if applicable), and interest component, if not under a Easy EMI plan.
Each EMI includes a portion of the principal amount and the interest charged, divided equally over your chosen repayment tenure. Processing fees may also apply.
With the Insta EMI Card, the maximum EMI tenure can go up to 24 months, depending on the specific product and offer terms.
Your EMI includes the product price, any processing fee, and interest if applicable. Additional charges like late payment or bounce fees may apply in specific scenarios.
