Umiya Mobile - Shop for Smartphones Using the Insta EMI Card

Umiya Mobile runs 215 plus stores across Gujarat and Maharashtra. Buy your smartphone with the Bajaj Finance Insta EMI Card.
Umiya Mobile - Shop for Smartphones Using the Insta EMI Card
4 Min Read
July 14, 2026

In summary

You can buy smartphones and accessories at Umiya Mobile using the Bajaj Finance Insta EMI Card. The retailer runs 215 plus partner stores across Gujarat and Maharashtra.

  • 215 plus partner stores across Gujarat and Maharashtra
  • Pre-qualified card loan offer of up to Rs. 3 lakh
  • Flexible repayment tenure across 3 to 60 months
  • Zero down payment on select products and during festive season offers
  • One-time joining fee of Rs. 530, with zero annual fee from the second year

Check your Insta EMI Card eligibility online using your mobile number and OTP, then shop at any Umiya Mobile partner store.


What is Umiya Mobile known for?

Umiya Mobile is one of the leading multi-brand mobile retailers in Gujarat and Maharashtra. Founded in 2012, it now runs 215 plus partner stores and is known for its wide range of smartphones and accessories at competitive prices.


What are the benefits of shopping from Umiya Mobile?

Shopping at Umiya Mobile goes beyond just buying a phone. You get hands-on comparisons, a wide brand range, and simple payment options that make choosing and paying for your next device easier.

  • Compare flagship and budget smartphones side by side in-store before you decide
  • Access to a wide range of mobile accessories, so you can complete your purchase in one visit
  • Knowledgeable store staff help you pick a device that fits your needs and budget
  • Pay using the Bajaj Finance Insta EMI Card and split your purchase into Easy EMIs across 3 to 60 months, so your next phone fits your monthly budget

Details of Umiya Mobile

Umiya Mobile has built a strong presence across Gujarat since it started operating in 2012. Here are 5 of its stores across major cities, selected from its wider network.

OutletAddressCityBranch
Umiya MobilesShop 4 and 5, Ground Floor, Aatrey Rudra Business Hub, Krishnabaug Char Rasta, Maninagar, Ahmedabad, Gujarat, 380008AhmedabadAhmedabad
Umiya MobilesShop No. 253/254, Poddar Arcade, Lal Darwaja Station Road, Varachha, Surat, Gujarat, 395006SuratSurat
Umiya MobilesOpp. Lathi Motor Garage, Gondal Road, Near Rajashri Auto, Rajkot, Gujarat, 360002RajkotGondal Road
Umiya MobilesShop-1A, Ground Floor, Madhav Square, Limda Lane Corner, Jamnagar, Gujarat, 361001JamnagarJamnagar
Umiya MobilesShop 7 and 8, Ground Floor, Block No. E, Joyas Hub Town, Mehsana, Gujarat, 384002MehsanaMehsana

Top product categories and brands available at Umiya Mobile

Umiya Mobile stocks a wide range of smartphones, tablets, laptops, and accessories from leading brands. You can use your Insta EMI Card to buy any of these products in Easy EMIs.

CategoryPopular brands available
SmartphonesApple, Samsung, Motorola, Oppo, Xiaomi, and more
TabletsSamsung tablets, Apple iPad, Lenovo
LaptopsHP, Dell, Lenovo, Acer
Mobile accessoriesChargers, cases, screen protectors, wireless earphones

If you are buying smaller items such as chargers or screen protectors, consider combining a few of these together in one bill. This helps you cross the minimum invoice value needed to pay using your Insta EMI Card.


Why should I shop at Umiya Mobile?

Umiya Mobile combines a wide smartphone range with flexible payment options. Here is why shoppers across Gujarat and Maharashtra choose it for their mobile purchases.

  • Access to a wide range of smartphones and accessories under one roof, across 215 plus partner stores
  • Pay using the Bajaj Finance Insta EMI Card, with a pre-qualified card loan offer of up to Rs. 3 lakh
  • Zero down payment on select products and during festive season offers
  • Flexible repayment tenure across 3 to 60 months, so your EMIs fit your monthly budget

What is a Bajaj Finance Insta EMI Card?

The Bajaj Finance Insta EMI Card, also known as the Bajaj Finance EMI Network Card, is a pre-qualified card loan. It is not a credit card. You can use it to convert your purchases at Umiya Mobile and other partner stores, such as Croma and Reliance Digital, into Easy EMIs.

It is accepted at 1.5 lakh partner stores across 4,000 cities in India.

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 smartphones and accessories easily and affordably.


How do I apply for a Bajaj Finance Insta EMI Card?

Applying for the Bajaj Finance Insta EMI Card takes only a few minutes online. Follow these steps to get your card activated:

  1. Enter your 10-digit mobile number and click on 'GET IT NOW' on this 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 your identity verification by confirming your current residential address
  8. Once your identity is verified, pay a 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 online process may differ slightly depending on whether you are a new customer or already have a relationship with Bajaj Finance.

Also read: How to apply for the Insta EMI Card


How do I use the Insta EMI Card at an Umiya Mobile partner store?

Using the Bajaj Finance Insta EMI Card at any Umiya Mobile partner store takes under 5 minutes. Follow these steps:

  • Select the smartphone or accessory you want to buy
  • At checkout, ask the store executive to process payment via the Bajaj Finance Insta EMI Card
  • Share your registered mobile number and card details
  • Choose a repayment tenure across 3 to 60 months that fits your monthly budget
  • Authenticate using the OTP sent to your registered mobile number
  • Your purchase is approved instantly, so you can take your product home the same day

How do I use the Insta EMI Card to shop online?

You can also use the Bajaj Finance Insta EMI Card to shop online on partner platforms such as Amazon and Flipkart. Here is how:

  • Add the product to your cart on Amazon or Flipkart
  • At checkout, select the Bajaj Finance Easy EMI option
  • Enter your Insta EMI Card details and registered mobile number
  • Choose your preferred repayment tenure across 3 to 60 months
  • Confirm using the OTP sent to your registered mobile number
  • Your order is placed, and your EMI deduction begins from the next billing cycle

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.


Benefits of using the Insta EMI Card

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.

FeatureDetails
Easy EMIsSplit the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly.
High pre-qualified limitGet up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress.
Wide acceptance networkAccepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms.
Flexible repayment tenureChoose a repayment period from 3 to 60 months based on your financial comfort.
Zero down payment offersAvail deals with no upfront payment requirement on select models.
Credit score benefitTimely EMI payments may help strengthen your credit profile and financial health.

Also read: Features and benefits of the Bajaj Finance Insta EMI Card


What is the eligibility criteria for the 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 65 years.
  • Credit score: A healthy credit score per Bajaj Finance policies.
  • Income: A steady, regular source of income.
  • Documents: PAN Card, Aadhaar Card, and a cancelled cheque for e-mandate.

 Also read: Eligibility criteria for the Insta EMI Card


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Frequently asked questions

Can I use the Insta EMI Card to shop at Umiya Mobile?

Yes, Umiya Mobile is a partner store, so you can use your Bajaj Finance Insta EMI Card to shop there. Simply tell the store executive you want to pay using your card, share your details, and choose a repayment tenure that suits your budget. You can check your Insta EMI Card eligibility online before you visit.

Which are the best smartphones to buy on EMI at Umiya Mobile?

Umiya Mobile stocks flagship and budget smartphones from OnePlus, Vivo, Samsung, Apple, Oppo, and Xiaomi, among other leading brands. You can use your Bajaj Finance Insta EMI Card to buy any of these models and split the cost into Easy EMIs across a tenure that suits your monthly budget.

Can I buy an iPhone on EMI at Umiya Mobile?

Yes, you can buy an iPhone on EMI at Umiya Mobile using your Bajaj Finance Insta EMI Card. The card offers a pre-qualified card loan of up to Rs. 3 lakh, so you can split your iPhone purchase into Easy EMIs. Check your Insta EMI Card eligibility online before you shop.

How do I find the nearest Umiya Mobile store that accepts the Insta EMI Card?

Umiya Mobile runs 215 plus stores across Gujarat and Maharashtra. You can check the store list on this page for addresses in cities such as Ahmedabad, Surat, Rajkot, Jamnagar, and Mehsana, or visit the Umiya Mobile website to find the outlet closest to you.

Does Umiya Mobile offer special festive deals on EMI purchases?

Umiya Mobile runs seasonal offers during festive periods, and the Bajaj Finance Insta EMI Card adds to your savings with zero down payment on select products during these offers. Visit your nearest Umiya Mobile store or check their website to see current deals available on EMI purchases.

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Bajaj Finance App for all your financial needs and goals

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

You can use the Bajaj Finance 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. 
  • 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-approved 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 Finance App today and experience the convenience of managing your finances on one app.

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Disclaimer

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