"The Bajaj Finserv EMI Card is a brilliant way of financing. I bought a smartphone on easy EMIs and I have to say I’m very impressed with the simple application process and the variety of gadgets available. I’m planning to buy all my future electronics with the EMI Card. Thanks, Bajaj Finserv.”
- Chetan Naidu
“I was pleasantly surprised when my favourite clothes retailer asked me if I wanted to pay for my purchase using my EMI Card. The latest trends are suddenly way more affordable. Thank you Bajaj Finserv. I can shop more often thanks to you.”
With a wide variety of refrigerators available in the market today, it’s time to upgrade your single door refrigerator to a swanky double door. Buy yourself a bigger, better refrigerator on easy EMIs, only on the Bajaj Finserv EMI Network. Just walk into any of our partner stores, get an instant pre-approved loan for your new fridge, and pay for it in easy EMIs over a tenor of your choice.
Features & Benefits:
Loans up to Rs.5 lakh
To buy the latest refrigerator on the EMI Network, you can get a loan up to Rs.5 lakh.
Flexible EMI tenure
A refrigerator bought on the EMI Network gives you the option to choose the repayment tenure that you are comfortable with. The maximum tenure is 24 months.
With our in-store representatives present at our partner stores to help you with your purchase, approvals happen in just a few minutes.
Minimal documents required
The documents required to buy a refrigerator on easy EMIs is minimum. Only a few documents like an address proof, a photo ID, and a cancelled cheque.
Nil foreclosure charges
You can foreclose your loan whenever you want to. What's more Bajaj Finserv doesn't charge any foreclosure charges.
Access to an online account for customers
Everything from the amount due and the payment schedule to interest certificates are easily available on an online account.
How to apply:
Buying the latest refrigerator on the EMI Network is easy and hassle-free.
If you have an EMI Card:
Walk into our partner store
Swipe your EMI Card
Walk out with your purchase
If you do not have an EMI Card:
Apply for instant approval by filling up a form online
Walk into our partner store
Show the SMS of your pre-approved loan amount to our in-store representative
Walk out with your purchase
Eligibility and documents:
You must be a salaried individual and between 21 years and 60 years of age.
Photo id proof
One cancelled cheque in case of ECS
Credit program specific documents (Any one of the following)
Credit card front side photocopy
Visiting card & employee id proof
Photocopy of RC book (not applicable for vehicles registered after 2004 & commercial cars)
Bajaj Finserv existing loan repayment loan account number / schedule (subject to not later than 18 months old)
A. A Durable loan is a loan for purchase of Durable like Washing Machine, Refrigerator, Television, etc.
Q2. What is the process for availing the loan?
A. Please check out the ‘How to apply’ section for more details.
Q3. What are the tenors for which I can avail of the loan?
A. You have flexible tenor options to choose from, ranging from 8 to 24 months.
Q4. What is the documentation required?
A. You need to provide a valid income document, photo id proof, residence proof and PDC's/ECS. Depending on the Credit program you opt for, you will be required to give some minimal additional document(s). For more details, please check out the Documents column within the ‘Eligibility’ section.
Q5. What is the interest and processing fees charged for the loan?
A. We offer Durable Finance under which there is absolutely no interest charged. These offers are available on a range of products. For products that are not covered under Durable Finance, you will be charged nominal interest as per the prevailing company interest rate and policy. A nominal processing fee is charged depending on the special offers running at the time.
Q6. How does Bajaj Finserv offer durable finance at rate to customers?
A. We do not charge any interest component to our customers. All that a customer has to pay is some upfront instalments (as applicable) for the amount financed and a nominal amount of processing charges. The manufacturers bear an annualised rate of interest which is based on risk gradation, cost of funds, margin & risk premium. There are no hidden charges whatsoever.
Q7. Whom do I contact in case of any further queries regarding the loan? Where can I get this loan?
A. You can walk into our dealer partner Durable outlets and connect with our in-store executives. To find out our dealer partner store nearest to you, simply fill in your location detail in our ‘Find the nearest store’ section.
Q8. Can I foreclose the loan, and what is the procedure for the same?
A. Yes, you can foreclose after 6 months from the loan disbursement date. Just walk into one of our branches or contact us on firstname.lastname@example.org we will be happy to help you.
Q9. Are there any charges for foreclosing the loan?
A. There are absolutely no charges or penalty for foreclosing your loan.
Not yet an existing customer?
You’ll be surprised how easy it is to get a Durable Finance loan with Bajaj Finserv even if you’ve never used our services before. Just visit any of our 12000+ retail partner outlets across over 140 cities in the country and our in-store representative shall guide through the entire process. Click here to find the nearest outlet in your city.
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