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EMI Network Card

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EMI Network

Start shopping with your EMI Network Card

3 crore+


1.2 million+




1.2 lakh+


Features and benefits

Loans of up to Rs. 4 lakh

From televisions and smartphones to furniture and groceries, buy products on easy EMIs across 1.2 lakh+ partner stores.

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

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

Easy EMIs

The Bajaj Finserv EMI Network Card lets you buy everything you want on easy EMIs.

Pre-approved offers

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

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

Buy the latest products on easy EMIs with minimal or no down payment.

How to shop

The Bajaj Finserv EMI Network is the smart way to pay for the latest smartphones, televisions, washing machines, air conditioners, laptops, air coolers, furniture, lifecare service, groceries, clothes, accessories and more on easy EMIs.

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

Steps to shop on the EMI Store
1. Go to the EMI Store and log in with your registered mobile number
2. Choose your product and a repayment timeline
3. Add your delivery address
4. Provide the OTP sent to your phone to complete the purchase

How it works

1. Nationality: Indian

2. Age: 21 to 60 years

3. Employment: Must have a regular source of income

1. Aadhaar card

2. Cancelled cheque

3. Signed ECS mandate

Type of Fees*
Processing Fees
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. Recently updated
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 statement/letter/certificate.
CIBIL Transunion Report Fees
Rs. 36 - Rs. 46 (inclusive of applicable taxes) Recently Updated.

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.

Top Partners

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Frequently asked questions

What are the best Lava mobiles under Rs. 10,000?

Some of the best mobile phones under Rs. 10,000 are Lava Z93, Lava Z81, Lava Z92 2GB RAM, Lava Z91, Lava Z81 16 MB and more.

What is the Bajaj Finserv EMI Network? 

The Bajaj Finserv EMI Network is the way to pay for your favourite electronics, appliances, smartphones, laptops, TVs, furniture, groceries, clothes, accessories and much more. You can divide the cost of your purchase into easy monthly instalments. 

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 on our website to find your nearest Bajaj Finserv partner store.

How can I get the EMI Network 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 under the EMI Network? 

Yes, there are 1,000+ offers available on various products under the 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 Insta EMI 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:
• You must be between 21 to 60 years of age
• You must have a regular source of income

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