Royaloak Furniture: Buy Home and Office Furniture Using the Insta EMI Card

Royaloak is known for international-style furniture at prices Indian families can manage. The brand started in Bengaluru in 2010 and now sells designs inspired by America, Italy, Turkey, Malaysia, and India. You can furnish a full living room, bedroom, dining area, or home office from one partner store, so your rooms look matched and well planned.

You can also shop at Royaloak on Easy EMIs with the Bajaj Finance Insta EMI Card and repay across 3 to 60 months.

→ Key takeaway: Diwali is on 8 November 2026. Furniture needs time for delivery and assembly, so order a few weeks ahead if you want your home ready for guests. Easy EMIs let you buy now and pay monthly.

Furniture is a long-term purchase, so it helps to see and test it first. Here is what you gain by shopping at a Royaloak partner store:

• Sit before you buy: You can test the cushioning of a sofa or the lean of a recliner in person.
• A partner store near you: Royaloak has over 200 stores, including 59 in Karnataka, 32 in Tamil Nadu, and 28 in Telangana.
• One place for the whole house: There are 8 product groups, from living room and bedroom to outdoor and decor.
• Looks from around the world: You can pick from 4 collections, such as the Italian and American ranges.
• Cover after purchase: Royaloak furniture carries a 1-year warranty.
• Help when you need it: The customer helpline works from 9:00 AM to 6:30 PM, seven days a week.

Royaloak sells its own furniture across 8 product groups and 4 collections. Here is what you can shop for, based on what your home needs:

• For a living room that welcomes guests: You will find sofas such as the Dona leatherette 3-seater at Rs. 21,500, along with coffee tables and TV units.
• For relaxed evenings and movie nights: Recliners come in manual and power versions, such as the Denver American power recliner.
• For better sleep and more storage: Beds such as the Baleno king size bed have hydraulic storage for blankets and suitcases.
• For family meals and festive dinners: Dining sets such as the Elite 6-seater are made in a sheesham wood finish.
• For organised bedrooms: Wardrobes such as the Zen 3-door model sit beside dressing tables and side tables.
• For working from home: The Study and Office range has tables, chairs, and bookshelves in the American and Italian collections.
• For balconies and terraces: The Outdoor range includes seating sets, tables, and swings.
• For finishing touches: Mattresses in single, queen, and king sizes, plus decor and furnishings, complete the room.

You can pay the full amount at the counter, or you can spread the cost with the Bajaj Finance Insta EMI Card. It splits your bill into monthly instalments across 3 to 60 months, so furnishing a room fits your monthly budget.

A longer tenure brings the monthly amount down. The table below shows this for the Rs. 77,500 Denver American power recliner (3-seater).

Disclaimer: These are indicative figures based on a simple division of the product price across the tenure shown, with no interest, processing fee, or other charges factored in. Your actual EMI amount will depend on the terms of your card loan offer.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan, not a credit card. It is issued to existing Bajaj Finance customers with a good repayment record and to new applicants who pass KYC and eligibility checks. Here is what the card offers.

• A card loan offer of up to Rs. 6 lakh, which can cover a sofa, bed, and dining set bought together.
• A repayment tenure across 3 to 60 months, so you can pick a monthly amount that suits you.
• Use at over 1.5 lakh partner stores across more than 4,000 cities, for furniture, electronics, and appliances.
• A one-time joining fee of Rs. 530*, with zero annual fee from the second year onwards.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If eligible, you can apply instantly and start shopping for your preferred sofa, bed, or dining set easily and affordably.

*Inclusive of applicable taxes.

Easy EMIs help you set up your home properly the first time. Here is how they help at Royaloak:

• A full bedroom in one go: The Baleno king bed and Zen wardrobe together cost Rs. 39,800, or about Rs. 3,317 a month over 12 months.
• Ready before the big day: You can furnish a new flat before a housewarming or wedding without waiting to save up.
• A better piece for a small step up: The Rs. 24,900 Baleno bed costs about Rs. 833 a month more than the Rs. 14,900 Zen wardrobe over 12 months.
• Zero down payment: This is available on select products and during festive season offers.
• No credit card needed: The Insta EMI Card is a card loan, and you confirm each purchase with an OTP.

→ Verdict: Royaloak is a good choice if you want matching, international-style furniture for your home or office from one partner store. With Easy EMIs on the Insta EMI Card, you can furnish a room now and pay for it over time.

Applying for the Bajaj Finance Insta EMI Card takes only a few minutes online and does not need any physical paperwork. Follow these steps to apply.

1. Enter your 10-digit mobile number and click on 'CHECK OFFER' 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 on 'CONTINUE'.
5. Check your pre-qualified card loan offer amount and click on '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

Using the Bajaj Finance Insta EMI Card at a Royaloak partner store takes only a few minutes. Follow these steps:

1. Visit your nearest Royaloak partner store and select the furniture you want to buy.
2. At checkout, tell the partner store executive you want to pay using the Bajaj Finance Insta EMI Card.
3. Share your registered mobile number and card details with the executive.
4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
5. Authenticate the transaction using the OTP sent to your registered mobile number.
6. Your purchase is approved instantly. Confirm your delivery date with the executive.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP, helping 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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