Gym Equipment on EMI

Gym equipment has moved from big commercial gyms into Indian homes. Foldable walking pads now fit under a bed, and smart spin bikes track your workout on an app. For busy professionals, parents and people who cannot reach a gym in heavy traffic or the monsoon, a home gym means working out on their own time.

Here is why many people now choose to buy their own gym equipment:

• Save on gym fees: A gym membership can cost Rs. 1,500 to Rs. 3,000 a month in many cities. A home treadmill pays for itself over time.
• Work out at any hour: You can walk on a treadmill at 6 AM before office or ride a spin bike after the children sleep.
• Stay consistent in bad weather: Rain, heat and pollution do not stop your routine.
• Exercise in privacy: Beginners and older family members can train without feeling watched.
• Share it with the family: One machine can serve everyone at home.

You can pay for gym equipment in full, or buy it on Easy EMIs with the Bajaj Finance Insta EMI Card. With Bajaj Finance, even a 6 HP treadmill or a home gym setup on EMI becomes a small monthly amount across 3 to 60 months.

Before you choose your equipment, check your Insta EMI Card eligibility using your mobile number and OTP. You will know your card loan offer before you start comparing models.

Gym equipment falls into a few main groups, each suited to a different goal. Here is what each type does and who it helps most:

• Walking pads: Slim, foldable pads such as the Powermax 3HP Walking Pad suit daily walking in small flats and fit under a sofa or bed.
• Motorised treadmills: Full treadmills with inclines, such as the Powermax TDA-95, help with running, weight loss and heart health.
• Spin bikes: Spin bikes, such as the Lifelong Fit Pro Spin, give intense, low-impact cardio that is easy on the knees.
• Air bikes and recumbent bikes: Recumbent bikes, such as the Cult SmartbikeBari, support your back, which suits seniors and people recovering from injuries.
• Ellipticals: Cross trainers work your arms and legs together, with less strain on your joints than running.
• Strength equipment: Dumbbells, benches, racks and multi-gyms help you build muscle and bone strength.

→ Key takeaway: For weight loss, start with a treadmill or spin bike. For strength, start with adjustable dumbbells and a bench. Add more later as your routine grows.

The right equipment depends on your space, your body weight and how often you will use it. Here is a simple guide to help you choose:

• For small flats: A walking pad of 3 HP to 3.5 HP, such as the FITKIT by Cult Neo, folds away and suits daily 30-minute walks.
• For runners and weight loss: A treadmill with a 4 HP or higher motor and auto incline, such as the Powermax TDA-95, handles regular jogging.
• For heavier users: Choose a treadmill rated for 150 kg, such as the Durafit Vigor Pro, so the motor and belt last longer.
• For seniors and knee problems: A recumbent bike gives back support and low-impact cardio.
• For a full home gym: Combine a treadmill, adjustable dumbbells and a bench in one budget.
• For commercial gyms and studios: Commercial treadmills cost about Rs. 1.5 lakh to Rs. 5.5 lakh each. A Rs. 1.5 lakh machine works out to about Rs. 6,250 a month over 24 months*.

*EMIs are indicative.

→ Pro tip: Check the “max user weight” before you buy. Choose a machine rated at least 20 kg above the heaviest person who will use it.

Features tell you what a machine can do. These factors help you decide whether it is right for your home and budget:

• Space and ceiling height: Measure your room. Treadmills need space behind them for safety, and you should not hit the ceiling at full incline.
• Noise and neighbours: In apartments, choose BLDC motors and magnetic resistance, which run more quietly.
• Power supply: Treadmills need a steady supply. Use a separate socket, and add a stabiliser if your area has voltage drops.
• Warranty and service: Check how long the motor and frame warranties last, and whether the brand has service in your city.
• Total setup cost: Include mats, delivery and installation. Commercial buyers should also budget 5% to 8% of equipment value each year for maintenance.
• Your actual routine: Buy for how you will train, not for features you will rarely use.

You can pay the full price of your gym equipment at once. You can also pay with the Bajaj Finance Insta EMI Card and spread the cost across 3 to 60 months. This works well for a single treadmill, a full home gym or new machines for a studio.

Easy EMIs also let you build a better setup from the start. Instead of buying a basic walking pad now and upgrading later, you can choose a sturdier treadmill and pay a small monthly amount.

→ Real-world example: Arjun and Nisha, a working couple in Bengaluru, stopped going to the gym because of traffic and monsoon rain. They bought the Durafit Velox Pro BLDC treadmill for Rs. 31,999 and chose 24 months. They pay about Rs. 1,333 a month*, less than one gym membership.

*EMIs are indicative.

The couple could have chosen a different tenure. The table below shows how their Rs. 31,999 treadmill works out across repayment tenures:

Disclaimer: EMIs are indicative and are calculated by dividing the product price by the tenure. Actual EMIs may differ based on the offer, applicable interest and charges.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan that lets you buy products on Easy EMIs. It is not a credit card. You can use it to buy gym equipment online or at partner stores and repay in fixed monthly amounts.

The card suits planned purchases, such as a treadmill for the new year or equipment for a small studio. Here are its key features:

• A pre-qualified card loan offer of up to Rs. 6 lakh.
• A repayment tenure you choose across 3 to 60 months.
• A card you can use on Amazon and Flipkart, and at over 1.5 lakh partner stores across more than 4,000 cities.
• A one-time joining fee of Rs. 530*, with zero annual fee from the second year onwards.
• A zero down payment facility on select products and during festive season offers.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If you are eligible, you can apply instantly and start shopping for your preferred gym equipment easily and affordably.

*Inclusive of applicable taxes.

Gym equipment is a long-term investment in your health. Here is how Easy EMIs make it easier to buy:

• Get a sturdier machine for a little more: Choosing the Rs. 18,999 Powermax TDA-95 with auto incline over the Rs. 14,999 TDM-96B adds only about Rs. 222 a month over 18 months*.
• Start your routine now: You do not need to save for months before you start working out.
• No credit card needed: The Insta EMI Card is a pre-qualified card loan, so you can pay in EMIs without one.
• Build a full setup in one go: Buy a treadmill, dumbbells and a bench together and repay the total monthly.
• Grow a fitness business: Studio owners can add machines one at a time without blocking working capital.

*EMIs are indicative.

→ Verdict: If you are ready to commit to fitness, buying gym equipment on Easy EMIs lets you start today and pay about the same as a monthly gym fee.

You can apply for the Bajaj Finance Insta EMI Card online with your PAN, Aadhaar and registered mobile number. Follow these steps before you buy your gym equipment:

1. Enter your 10-digit mobile number and click on ‘GET IT NOW’ on the Insta EMI Card page.
2. Enter the OTP and submit.
3. Enter your full name and click on ‘Yes, Auto-Fetch Details’.
4. Verify your pre-filled personal details and click ‘CONTINUE’.
5. Check your pre-qualified card loan offer amount and click ‘CONTINUE’.
6. Review your wallet setup details and verify the OTP.
7. Complete identity verification by confirming your current residential address.
8. Pay the one-time joining fee of Rs. 530 (inclusive of applicable taxes).
9. After successful payment, view your card details on the Bajaj Finance app.

Note: The process may differ based on whether you are a new or existing Bajaj Finance customer.

Also read: How to apply for the Insta EMI Card

You can use the Insta EMI Card at a partner store or online. Follow the steps below for the way you prefer to shop.

At a partner store

Paying at a partner store takes under 5 minutes. Follow these steps at the billing counter:

1. Choose the equipment you want to buy, making sure your bill is above Rs. 5,000.
2. At checkout, ask the store executive to process the payment through the Bajaj Finance Insta EMI Card.
3. Share your registered mobile number and card details.
4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
5. Authenticate using the OTP sent to your registered mobile number.
6. Your purchase is approved, and the partner store arranges delivery.

Online on Amazon or Flipkart

You can also shop for gym equipment on Amazon or Flipkart. Follow these steps at checkout:

1. Add the equipment to your cart, making sure your order is above Rs. 5,000.
2. At checkout, select the Bajaj Finance Easy EMI option.
3. Enter your Insta EMI Card details and registered mobile number.
4. Choose your preferred repayment tenure across 3 to 60 months.
5. Confirm using the OTP sent to your registered mobile number.
6. Your order is placed, and EMI deductions begin from the next billing cycle.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP. This helps you plan your purchase better.

The Bajaj Finance Insta EMI Card offers several advantages beyond just splitting payments. From flexible tenures to wide acceptance, here are the key benefits that make this card a practical choice for everyday purchases.

Also read: Features and benefits of the Bajaj Finance Insta EMI Card

Before you apply, it helps to check whether you meet the basic eligibility requirements. The Bajaj Finance Insta EMI Card is open to most working Indians, and the criteria are simple to understand at a glance.

• Nationality: Indian Citizen.
• Age: 21 years to 70 years.
• Credit score: A healthy credit score per Bajaj Finance policies.
• Income: A steady, regular source of income.
• Documents: No physical documentation required when applying online. Only the following details are required: PAN and Aadhaar number.
• Form 60: In case of non-availability of PAN, Form 60 is required.

Also read: Eligibility criteria for the Insta EMI Card

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