How to Shop at Sargam Electronics Using the Insta EMI Card

Sargam Electronics is a North Indian electronics retail chain that has been selling consumer durables since 1984. Its multi-brand stores let you compare TVs, ACs, refrigerators, laptops, and phones from different brands in one place. You can get advice from staff, check products in person, and rely on after-sales support.

You can also shop on Easy EMIs at Sargam Electronics with the Bajaj Finance Insta EMI Card. It lets you buy what you need today and repay across 3 to 60 months, so a new AC or TV fits into your monthly budget.

Sargam Electronics offers more than just a wide range of products. Here is why many families in North India shop there:

• Over 40 years of experience: Sargam has sold electronics since 1984, so its staff know how to guide you to the right product.
• Compare brands in one place: Its multi-brand stores let you compare TVs, ACs, or laptops from different brands side by side.
• A store close to home: With stores in more than 30 localities across Delhi alone, from Rohini to Kalkaji, one is usually close by.
• After-sales support: Sargam says it focuses on prompt after-sales service, which helps if you need installation or repairs later.

Sargam Electronics is a multi-brand store, so you can compare products from several brands at once. Here is what you can shop for:

• TVs and home entertainment: Smart TVs and home theatre systems for your living room.
• Cooling appliances: ACs from Voltas, Daikin, and more, useful for Delhi and North India's hot summers, when temperatures often cross 40 degree Celsius.
• Kitchen and laundry appliances: Refrigerators from leading brands like LG and Samsung, and washing machines for daily household needs.
• Laptops and IT products: Laptops and computer accessories for work, study, and home use.
• Mobile phones and accessories: Smartphones, chargers, earphones, and other accessories. If an accessory costs less than Rs. 5,000, buy it with a phone to cross the minimum bill for Easy EMIs.

You can pay the full amount upfront, or you can spread the cost with the Bajaj Finance Insta EMI Card. It lets you split your purchase into monthly instalments across 3 to 60 months, so even a premium phone or large appliance fits into your monthly budget.

The table below shows how the monthly amount changes with the tenure you choose, using the Rs. 99,900 Apple iPhone 17 (256GB) as an example.

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, usable on phones, laptops, TVs, and home appliances.
• A repayment tenure across 3 to 60 months, so you can pick a duration that fits your monthly budget.
• Access to over 1.5 lakh partner stores across more than 4,000 cities in India, including Sargam Electronics.
• 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 phone, laptop, or appliance easily and affordably.

Easy EMIs change what you can afford when you shop at Sargam Electronics. Here is how they help:

• Beat the summer heat: You can buy an AC before Delhi's summer peaks in May and June, and pay for it over the months ahead.
• Set up a new home: Moving into a new flat in Noida or Gurugram? You can buy a TV, refrigerator, and washing machine together on Easy EMIs.
• Choose a better model: Easy EMIs make it easier to pick a front-load washing machine or a flagship phone, instead of settling for a basic one.
• No credit card needed: The Insta EMI Card is a pre-qualified card loan, so you can shop on Easy EMIs even without a credit card.

→ Verdict: With over 40 years in electronics retail and more than 50 stores, Sargam Electronics is a convenient place to shop in North India. With the Insta EMI Card, you can take your product home today and pay for it gradually.

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

You can use the Bajaj Finance Insta EMI Card at any Sargam Electronics partner store. Paying takes only a few minutes at the billing counter. Here is how:

1. Browse and select your product at a Sargam Electronics partner store.
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. Take your product home.

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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