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Buying on EMIs - The new hack for all your shopping

Date:30-03-2018

Highlights

Pay using EMIs to make affordable luxury a reality

Shop smart for personal and home appliances

Also pay for for groceries, travel and healthcare using EMIs

Equated Monthly Instalments (EMIs) are the intelligent shopper’s smart payment solution that balance affordability with indulgence. They give you the ability to get what you want hassle-free, without throwing your monthly budget off track.

The Indian mindset has clearly changed from the past when having a debt to your name was seen as a shortcoming. Now, it is seen as nothing more than a measure of how you can plan smartly to improve your lifestyle. This is where EMIs fit in.

No matter what your lifestyle needs are, EMIs allow you to buy the products of your choice while keeping your purse strings happy. With a nominal addition to your monthly expense for a period of 3–12 months on average, you can buy a host of products that let you upgrade the quality of your life.

Today, the option to choose EMI finance is available for almost everything you’d like to buy. Here are some of the categories you can shop for on EMIs:

Home appliances: From TVs and microwaves to ACs, washing machines and refrigerators, appliances are an essential in every home. Instead of shelling out Rs. 60,000 to Rs. 1,00,000 up-front, isn’t paying in EMIs a much smarter choice? Rather than saving up to buy one item at a time or compromising on quality, you get to pay in easy EMIs and don’t block cash that you may need for other expenses.

Personal appliances: Work and play without your smartphone, tablet, or laptop today is unimaginable. While the average price of smartphones increased by 25% in the second quarter of 2017, the demand continued at an upswing. You don’t want to compromise on sleek, power-packed devices, even if they cost more than they did yesterday. Rather than putting down Rs. 70,000 for a phone, you can choose a 24-month EMI payment plan and pay around Rs.3000 per month with ease.

Groceries: Whether you have a big family, like to entertain, or shop in bulk, food dominates the consumptions expense in India. Most of you spend 40% of your monthly budget on food. You can easily reign in cost by doing your grocery shopping on EMIs.

Fashion and accessories: Urban India’s penchant for staying on top of fashion trends is undisputable. After food, fuel and power, the next thing on your list are clothes and footwear. Whether you want to buy woollens for a European holiday or a designer handbag you’ve had your eye on, take advantage of EMIs to cater to all your style wishes.

Travel: Tickets, stay, entertainment, shopping: the expenses on a holiday can build up. So, you can fund your ticket and hotel stay in EMIs to take care of the two biggest costs. After all, paying Rs. 36,000 for a flight from Delhi to New Zealand is not as attractive as an EMI of Rs. 12,000 for 3 months!

Fitness and Health: A one-year gym membership in the metros can go up to Rs. 60,000. Find gyms and fitness centres across India that allow you to pay in easy EMIs, and you won’t be using the cost as an excuse anymore!

Healthcare: Your total spend on medical bills has increased by 317% according to an NSSO survey in 2012, but that’s not something you can postpone or negotiate. Now, you have access to top-notch clinics and multi-speciality hospitals courtesy of Bajaj Finserv’s Lifecare Finance. You can avail over 160 elective and non-elective treatments at one of over 2,700 clinics in over 40 cities. Get a loan amount of Rs. 4.5 lakh, which you can conveniently repay in EMIs for eye care, dental care, maternity care, cosmetic surgery, or cardiac surgery.

Easy availability
EMIs give you hassle-free access to affordable luxury, with payment convenience at every avenue. Whether you like to shop online and on the go, or prefer the touch-and-feel advantage of retail shopping, you can purchase on EMIs everywhere and upgrade your life in a New York minute! Sweetening the pot further are No Cost EMIs offered by the Bajaj Finserv EMI Network. With no charges other than the exact amount of your purchase, they redefine smart shopping.

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