About EMI Network

The Bajaj Finserv EMI Network is a hub of over 1.2 lakh partner stores across 3,000+ 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 No Cost EMIs.

You can shop for your favourite products on the EMI Network using the EMI Network Card with a card limit of up to Rs. 2 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

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How to shop online on the EMI Network

Here’s how you can shop online on the EMI Network:

On the Bajaj Finserv Bajaj Mall

  1. 1 Go to the Bajaj Mall and log in with your registered mobile number
  2. 2 Choose your product and a repayment tenor
  3. 3 Add your delivery address
  4. 4 Provide the OTP sent to your phone to complete the purchase

You could also shop for the latest products on No Cost EMIs at our partner e-commerce websites like Amazon, Flipkart, Samsung and more.

The EMI Network gives you the choice of getting the product of your choice on No Cost EMIs at a store near you or by shopping online from the comfort of your home.

Overall, the process remains the same in both options – Select the product of your choice, choose a convenient repayment tenor and get the product on No Cost EMIs.

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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. 1 Visit a Bajaj Finserv partner store near you
  2. 2 Select a suitable repayment tenor
  3. 3 Provide your EMI Network Card details or opt for in-store financing
  4. 4 Share the OTP sent to your registered phone number

The EMI Network gives you the choice of getting the product of your choice on No Cost EMIs at a store near you or by shopping online from the comfort of your home.

Overall, the process remains the same – Select the product of your choice, choose a convenient repayment tenor and get the product on No Cost EMIs.

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Features of the EMI Network

  • Card limit of up to Rs. 2 lakh

    Card limit of up to Rs. 2 lakh

    From televisions and smartphones to furniture and groceries, buy products on No Cost EMIs across 1.2 lakh+ partner stores

  • Repay easily

    Repay easily

    Repay the cost of your purchase at your convenience over a tenor of 3, 6, 9, 12, 18 or 24 months

  • Minimal documentation

    Minimal documentation

    All you need are your KYC documents, a signed ECS mandate, and a cancelled cheque

  • No Cost EMIs

    No Cost EMIs

    The Bajaj Finserv EMI Network Card lets you buy everything you want on No Cost EMIs

  • Pre-approved offers

    Pre-approved offers

    As an existing customer, you get exclusive pre-approved offers from time to time across all our partners

  • Minimal processing fees

    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

  • Minimal down payment

    Minimal down payment

    Buy the latest products on No Cost EMIs with minimal or no down payment

To be eligible, you must fulfil some basic criteria like:

  • Indian nationality
  • 21 to 60 years of age
  • Have a regular source of income

You would also require the below mentioned documents:

  1. Aadhaar card
  2. Cancelled cheque
  3. Signed ECS mandate
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Fees and charges

 

Type of Fees*

Minimum

Maximum

Processing Fees

N/A

Rs. 1,017 (inclusive of taxes)

Penal interest

Any delay in payment of Monthly Instalment/ EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/ EMI outstanding, from the date of default until the receipt of Monthly Instalment/ EMI.

Bounce Charges

Rs. 450 (inclusive of taxes)

Document/ Statement Charges

Statement of Account/ Repayment
Schedule/ Foreclosure Letter/ No Dues
Certificate/ Interest Certificate/ List of documents

Download your e-statements/ letters/ certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/ letters/ certificates/ List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of taxes) per statemen/ letter/ certificate.

CIBIL Transunion Report Fees

Rs. 36 - Rs. 46 (inclusive of applicable taxes)

 

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.

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Frequently asked questions

What is the Bajaj Finserv EMI Network?

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 No Cost EMIs.

What products can I buy on the Bajaj Finserv EMI Network?

You can shop for 1.2 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.

How can I get the EMI Network Card offline?

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.

Are there any offers and discounts provided on the Bajaj Finserv EMI Network?

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 1.2 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.

Do I need to submit any documents to shop on the EMI Network?

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.

What is a Bajaj Finserv EMI Network Card?

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.

Will I be charged a processing fee on the loan taken by me?

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.

Where can I use this EMI Network Card?

You can use this card across any Bajaj Finserv partner outlet to shop for 1.2 million+ products in more than 2,900 cities in India.

How to apply for the Bajaj Finserv EMI Network Card?

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.

What are the eligibility criteria to avail of an EMI Network Card?

The EMI Network Card eligibility criteria are as follows:

  • You must be between 21 to 60 years of age
  • You must have a regular source of income
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