Comparing Tower vs Split Air Conditioners

Tower ACs start from around Rs. 80,000, while split ACs start at around Rs. 35,000. Both are available on Easy EMIs.

• Tower AC: high cooling capacity, freestanding, no wall space needed, generally noisier and less energy-efficient.
• Split AC: quiet operation, high energy efficiency with inverter models, needs wall space and professional installation.
• Insta EMI Card: card loan offer of up to Rs. 3 lakh, repayment across 3 to 60 months.
• Easy EMI Loan: loan limit of up to Rs. 5 lakh, suited to one higher-value purchase.

Convert the cost of your new AC into Easy EMIs using Bajaj Finance's financing options at over 1.5 lakh partner stores such as Reliance Digital, Croma, Vijay Sales, and more, or find a partner store near you. Check your loan eligibility before getting started.

Before comparing tower and split ACs directly, it helps to see where each one sits among the main AC types available in India.

• Window AC: A single unit installed in a window, suited to small to medium-sized rooms. Cost-effective, but can be noisy.
• Split AC: Consists of an indoor and an outdoor unit, offering quiet operation and efficient cooling. Ideal for medium to large rooms.
• Tower AC: A vertical, standalone unit that provides powerful cooling and is easy to move. Suited to large rooms or spaces without wall installation options.
• Portable AC: A compact unit you can move from room to room, offering flexible cooling. Best for temporary cooling needs.

Both AC types offer distinct benefits, so the right pick depends on your room size, budget, and installation constraints.

Power consumption is a key factor in choosing between the two, since it affects both your electricity bill and your carbon footprint.

• Tower AC: Generally consumes more power due to its high cooling capacity, since it is designed to cool larger spaces quickly. Modern tower ACs with energy-saving modes can reduce this, but they still tend to run less efficiently than split ACs.
• Split AC: Especially inverter models, split ACs are known for energy efficiency, since they adjust cooling capacity based on room temperature. The initial cost is higher, but long-term electricity savings make split ACs more cost-effective over time.

A few simple habits can meaningfully cut your AC's electricity use, whichever type you choose.

• Regular maintenance: Service your AC regularly, and clean filters and coils to improve airflow and cooling performance.
• Optimal temperature setting: Set your AC to a comfortable 24 to 26 degree Celsius range to reduce power usage.
• Use energy-saving modes: Use the energy-saving features and modes available on your AC to cut consumption.
• Proper insulation: Insulate your room well to stop cool air escaping, which reduces the load on your AC.

You can also explore other air conditioner prices to compare across categories.

Here is current pricing for a few popular tower and split AC models, so you can compare before you decide.

Tower AC price list

Split AC price list

Disclaimer: Product features, availability, and prices may differ based on location and time. For the latest and most accurate details, visit the official brand website or a partner store. 

• A tower AC costs more upfront in this price list, but its portability suits renters or those likely to move — a split AC's wall-mounted setup is more of a permanent commitment.
• The Insta EMI Card works well if you shop across categories over time, while the Easy EMI Loan suits a single, higher-value AC purchase where you want a bigger card loan offer.
• With a longer repayment tenure, your monthly EMI is smaller, but you should always confirm the actual interest and fee structure in-store before signing.

With over 1.5 lakh partner stores across 4,000, Bajaj Finance's network means you can finance either AC type whether you live in a metro city or a smaller city such as Jaipur or Lucknow.

Thinking of buying a new AC?

Before you do that, explore the latest offers from Bajaj Finance. You may find a great deal on a model that matches your needs.

Bajaj Finance offers two ways to convert your AC purchase into affordable monthly payments. Both options are available at over 1.5 lakh partner stores across 4,000 in India.

How to choose?

Both options require you to be physically present at a partner store. The Insta EMI Card suits shoppers who want to purchase across multiple categories over time, while the Easy EMI Loan suits buyers financing a higher-value AC purchase in a single transaction.

Upgrading to a new AC is simple and affordable with Bajaj Finance's in-store financing options. The entire process usually takes just 10 to 15 minutes. Follow these steps:

1. Browse models on Bajaj Mall: Explore the range of tower and split AC models available on Bajaj Mall. Compare cooling capacity, noise levels, and prices before heading to the store.
2. Find a partner store near you: Use the Bajaj Finance store locator to find a nearby partner outlet such as Croma, Vijay Sales, or other authorised retailers.
3. Check the AC in person: Visit the store and explore available models. Check the star rating, cooling capacity, and space requirements to find the one that suits your home.
4. Choose a suitable EMI option: At checkout, ask the store executive about the Bajaj Finance Insta EMI Card or Easy EMI Loan. Confirm available tenure options and whether your chosen model comes with a zero down payment offer.
5. Complete payment and take your AC home: Once approved, your purchase is processed immediately, and you can schedule delivery or installation at your convenience.

You can also check your loan eligibility online in advance by entering your mobile number and OTP, helping you plan your purchase better.

Bajaj Finance’s Smart Savings Calculator helps you unlock maximum savings every time you shop at partner stores. It brings together all available brand, dealer, and scheme offers—so you can see your total savings instantly and shop smarter with Easy EMIs.

1. Dealer offers - Grab exclusive in-store deals at over 1.5 lakh partner stores across India. Enjoy local discounts and special prices you will not find online.

2. Brand offers - Access limited-time discounts from top brands across electronics, appliances, and more. Discover brand-specific savings selected just for you.

3. Bajaj offers - Unlock exclusive Bajaj Finance deals on popular products—available only to our customers. More rewards, more value.

4. Scheme offers - Take advantage of time-sensitive offers on select EMI schemes. Get extra benefits after paying just 3 EMIs—visible during EMI selection at checkout.

Calculate your extra savings today!