Published Oct 22, 2025 3 min read

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Buying a refrigerator is not just about keeping your food fresh. It is about making daily life easier, storing groceries safely, keeping beverages cool during summers, and organising your kitchen efficiently. Whether you are a small family, a working professional, or someone who loves cooking, a reliable fridge is essential. With modern features designed for every lifestyle and budget, you can now bring home the perfect fridge without worrying about the full upfront cost, thanks to Easy EMIs.


With Bajaj Finserv, this becomes even simpler. You can choose from a wide variety of electronics and appliances without exhausting your savings. Visit any of Bajaj Finserv’s 1.5 lakh partner stores across 4,000 cities in India and select your preferred refrigerator model. Use the Easy EMI Loan of up to Rs. 5 lakh to make your purchase. Convert the cost into Easy EMIs that fit your monthly budget, enjoy zero down payment on select models, and check your loan eligibility online in minutes to know exactly what you can get before stepping into the store.

Why buying a refrigerator on EMI is a smart choice

Purchasing a refrigerator on EMI with the Bajaj Finserv Easy EMI Loan is a smart and practical option for households across India. It allows you to bring home the latest energy-efficient, frost-free, or double-door refrigerators without straining your budget.

  • Cost-efficient solution: Buying a refrigerator on EMI means you do not have to pay the entire cost upfront. You can spread the payments over several months, making it easier to manage your monthly expenses and plan your household budget.
  • Flexible repayment options: Bajaj Finserv offers repayment tenures ranging from 3 months to 60 months. This flexibility allows you to select a plan that suits your financial situation and makes it simple to afford even high-capacity or premium models.
  • Zero down payment: On select refrigerator models, you can enjoy the benefit of zero down payment. This means you can take your fridge home immediately without any initial financial burden, giving you instant access to a modern appliance.
  • Wide accessibility: With over 1.5 lakh partner stores across 4,000 cities across India, you have a huge range of refrigerators to choose from. Whether you prefer a compact fridge for a small home or a large double-door model for a big family, there is something for everyone.
  • Hassle-free process: Bajaj Finserv ensures a smooth and convenient shopping experience. The loan application process requires minimal documentation, and approvals are quick. You can check your eligibility online in minutes and step into the store with confidence.
  • Overall, buying a refrigerator on EMI with Bajaj Finserv is not only convenient but also smart. It helps you enjoy modern appliances today while keeping your finances comfortable and stress-free.

Types of refrigerators available on EMI

You can now bring home a refrigerator that fits your lifestyle and family needs without paying the full price upfront. Bajaj Finserv Easy EMI Loan allows you to choose from a wide range of refrigerators and pay in comfortable monthly instalments. Here is a quick overview of popular types available on EMI:

Type of refrigeratorKey featuresCapacity optionsEnergy ratingWho it suits
Frost-free refrigeratorsAutomatically prevents ice build-up, reduces manual defrosting190–500 litre3 Star–5 StarBusy households, large families
Double-door refrigeratorsSeparate freezer and fridge compartments, spacious storage250–500 litre3 Star–5 StarMedium to large families
Single-door refrigeratorsCompact design, easy to fit in small kitchens150–250 litre2 Star–3 StarSmall families, bachelors
Side-by-side refrigeratorsPremium models with water dispenser and ice maker500–650 litre4 Star–5 StarLarge families, premium kitchens
Mini and compact refrigeratorsSpace-saving, lightweight, easy to move50–120 litre1 Star–3 StarDorm rooms, offices, small apartments

You can now make your purchase even more affordable with the Maha Bachat Savings Calculator. Bring down the cost of electronics and appliances by combining brand discounts, dealer offers, and EMI deals—all in one place. Calculate your extra savings instantly and shop smarter today.

Key benefits of buying a refrigerator on EMI with a consumer durable loan

Purchasing a refrigerator on EMI with a consumer durable loan from Bajaj Finserv comes with several advantages. It not only makes owning modern appliances easier but also helps manage finances smartly. Here are the key benefits:

  • Loan of up to Rs. 5 lakh
    With a borrowing limit of up to Rs. 5 lakh, you can purchase high-end refrigerators or even multiple appliances in a single transaction. This makes it easy to upgrade your home with smart TVs, premium laptops, or other top-tier electronics without dipping into your savings.
  • Repay it on Easy EMIs
    The total cost is divided into small, manageable monthly installments. This allows you to spread payments comfortably over time, making large purchases more budget-friendly while keeping your lifestyle comfortable.
  • Flexible tenure options
    Repayment tenures typically range from  3 months to 60 months months. You can choose a plan that suits your cash flow, whether you prefer shorter commitments or longer durations. This flexibility helps you adapt repayments to your personal financial plan.
  • Quick approval
    Consumer durable loans come with minimal documentation and fast processing. In many cases, approval happens within minutes, so you can shop for your refrigerator immediately without waiting or dealing with lengthy verification procedures.
  • Wide accessibility
    These loans are available at over 1.5 lakh partner stores across 4,000 cities in India. Partner tie-ups with leading brands and retailers give you access to a variety of refrigerator models and other appliances, making shopping simple and convenient.

Eligibility to buy a refrigerator on EMI with a consumer durable loan

You can apply for an Easy EMI Loan if you meet the eligibility criteria outlined below. This can help you secure a loan, making high value purchases more affordable. Once you meet the consumer loan eligibility, you must submit the required documents to check your approved loan limit.


  • Nationality: Indian
  • Age: 21 to 75 years*
  • Employment type: Salaried or self-employed
  • Employed with: Public, private, or MNC
  • CIBIL Score: 685 or higher

With these simple eligibility criteria, you can easily apply and get quick approval for your refrigerator purchase.


Frequently asked questions

Can I buy any refrigerator on EMI with a consumer durable loan?

Yes, you can buy a wide range of refrigerators on EMI with a consumer durable loan. The Bajaj Finserv Easy EMI Loan is a type of consumer durable loan that allows you to bring home energy-efficient, frost-free, double-door, or premium refrigerators. You can split the cost into manageable Easy EMIs without straining your budget.

What is the minimum and maximum loan amount I can get for buying a Refrigerator?

The loan amount for buying a refrigerator varies based on the model you choose. Bajaj Finserv offers loans up to Rs. 5 lakh, which means you can easily purchase even premium refrigerators. This ensures that your financial constraints do not limit your options.

Do I need to pay any down payment while buying a refrigerator on EMI?

Bajaj Finserv provides a zero-down-payment facility on select refrigerator models. This means you can bring home your desired appliance without paying anything upfront. Visit your nearest Bajaj Finserv partner store to check which models are eligible for this benefit.

What documents are required to apply for a consumer durable loan for a refrigerator?

To apply for a consumer durable loan, you need basic documents such as identity proof (like Aadhaar or PAN card), address proof, and income proof (such as salary slips or bank statements). These simple requirements make the loan application process quick and hassle-free.

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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. 

  • Explore and apply for co-branded credit cards online. 
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Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app. 

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