Published May 4, 2026 . 3 Min Read

What is a split AC system

A split AC has two parts: an indoor unit and an outdoor unit. The indoor unit sits inside the room and blows cool air, while the outdoor unit has the compressor and condenser that push heat outside. Both are linked with pipes and wires. Split ACs are popular because they cool better, run more quietly, look cleaner, and can be installed more flexibly than window ACs.


If you are looking to replace your old AC, head to any of Bajaj Finserv’s 1.5 lakh partner stores in 4,000 cities in India. Choose your ideal model, pay with Easy EMIs, and enjoy zero down payment on select deals. Simply check your loan eligibility now and bring home your desired AC without worrying about overspending.

How does a split air conditioner work

A split AC cools a room by continuously absorbing indoor heat, transferring it outside, and circulating cooled air back indoors. Understanding this process helps users operate the system more efficiently.


  • Indoor unit absorbs room heat: The indoor unit pulls warm room air through filters and passes it over cold evaporator coils filled with refrigerant. As warm air moves across these coils, the refrigerant absorbs heat and begins converting from liquid to gas.
  • Refrigerant transfers heat: After absorbing indoor heat, the refrigerant travels through copper pipes to the outdoor unit. This closed-loop refrigerant cycle is what enables continuous cooling without consuming refrigerant during normal operation.
  • Outdoor unit releases heat outside: The compressor pressurises the refrigerant gas and pushes it through condenser coils. A fan blows outdoor air across these coils, releasing absorbed indoor heat into the outside environment.
  • Refrigerant cools and cycles back: Once heat is released, the refrigerant condenses back into liquid form and returns to the indoor unit to repeat the cooling cycle.
  • Cool air is circulated indoors: The indoor fan distributes cooled air evenly across the room until the desired temperature is reached.

This continuous heat transfer cycle is the core principle behind split AC cooling.

How is a split AC different from a window AC

Both systems cool rooms effectively, but they differ significantly in design, installation, efficiency, and noise levels.


FeatureSplit ACWindow AC
DesignSeparate indoor and outdoor unitsSingle compact unit
Noise levelQuieter indoor operationLouder due to integrated compressor
InstallationRequires professional installationEasier if window slot available
AestheticsCleaner and modern appearanceBulkier visible unit
Cooling efficiencyGenerally higher, especially inverter modelsGood but often less efficient
FlexibilityCan be mounted on walls without windowsRequires window or wall cut-out

Split ACs are generally preferred for bedrooms, living rooms, and premium spaces where quieter operation, aesthetics, and stronger cooling efficiency are priorities. Window ACs remain popular for simpler installations and tighter budgets.

Can split air conditioner systems both heat and cool

Many split AC systems are available in both cooling-only and hot-and-cold variants depending on model type.


  • Cooling-only models: Standard split ACs sold in warmer climates often focus only on cooling and dehumidification. These are the most common models in many Indian households.
  • Hot and cold split ACs: Some split systems include heat pump technology that allows reverse operation. Instead of removing indoor heat, the system can extract outdoor heat and transfer it indoors during winter.
  • Useful for seasonal climates: Heating-enabled split ACs are useful in regions experiencing both hot summers and colder winters, reducing the need for separate heating appliances.
  • Mode switching via remote: Users can switch between cooling, heating, dry mode, and fan mode directly from the remote or smart app depending on available features.
  • Energy-efficient heating option: Heat pump systems are often more efficient than standalone electric room heaters.

Not all split ACs support heating, so buyers should verify specifications before purchase.

Get electronics and appliances on Easy EMIs with Bajaj Finserv

Upgrading your home with the latest electronics and appliances is now easier and more affordable with Bajaj Finserv’s flexible financing options. Follow these steps to get started:


  • Explore products on Bajaj Mall: Browse a wide range of electronics and appliances from trusted brands. Compare features like energy ratings, storage capacity, performance settings, and design to choose the right product for your home.
  • Visit a partner store: Once you shortlist a model, step into any of Bajaj Finserv’s 1.5 lakh partner stores across 4,000 cities in India. See the product in person, talk to experts, and make a confident decision.
  • Choose the Easy EMI Loan option: At checkout, select the Bajaj Finserv Easy EMI Loan. Avail financing of up to Rs. 5 lakh and split the cost into convenient monthly instalments. Some products also come with a zero down payment option.
  • Check your loan eligibility online: Plan better by checking your loan eligibility in minutes. Simply enter your mobile number and OTP to know your pre-approved limit.
  • Use the EMI Network Card for purchases up to Rs. 3 lakh: Already own the Bajaj Finserv EMI Network Card? Use it for instant, paperless checkout and convert your purchases of up to Rs. 3 lakh into Easy EMIs.

Frequently asked questions

Can I buy an AC on EMI?

Yes, you can easily bring home your preferred AC using Bajaj Finserv’s Easy EMI options. Whether you already have the EMI Network Card or are new to it, here is how to begin: 


 

  • Explore air conditioners on Bajaj Mall: Choose from a wide range of the latest and most popular models.
  • Visit a partner store: Check out the latest AC in person at any of Bajaj Finserv’s 1.5 lakh partner stores across 4,000 cities in India.
  • Use your EMI Network Card at checkout: Convert the cost of your AC into Easy EMIs that fit your monthly budget.
  • Zero down payment on select models: Take your chosen AC home without paying anything upfront.


 

If you do not have an EMI Network Card:
Check your Insta EMI Card eligibility and take the first step towards enjoying the affordability and convenience of Easy EMIs.

Why is split AC more efficient?

Split ACs are generally more efficient because they separate the noisy and heat-generating compressor into an outdoor unit, improving airflow, heat dissipation, and indoor comfort. Many modern split ACs also include inverter technology, which adjusts compressor speed dynamically to maintain temperature while reducing electricity consumption.

Does a split AC bring fresh air from outside?

No, most standard split ACs do not bring fresh outdoor air into the room. They primarily recirculate indoor air by cooling, filtering, and dehumidifying it. Some specialised HVAC systems include fresh air intake features, but typical residential split ACs do not.

Is a split AC better than a window AC?

A split AC is generally considered better than a window AC for quieter operation, improved aesthetics, stronger cooling efficiency, and flexible installation. However, window ACs can be more affordable and simpler to install if a suitable window or wall opening is available.

What size split AC do I need for my room?

The ideal split AC size depends on room size, ceiling height, insulation, sunlight exposure, and occupancy. Small bedrooms may need a 1-ton unit, medium rooms often suit 1.5-ton models, while larger living rooms may require 2-ton or higher capacity systems.

Show More Show Less

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (BAJAJ FINANCE) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.