Croma Ludhiana: Buy Mobile Phones, Laptops, and Electronics on EMIs

Croma Ludhiana is part of Croma, the Tata Group's electronics retail chain. Its stores let you see and try phones, laptops, TVs, and home appliances from many brands in one place. Trained staff explain the differences, and the partner store arranges delivery and installation. You go home sure of what you picked.

You can also shop on Easy EMIs at Croma Ludhiana with the Bajaj Finance Insta EMI Card. It lets you take your product home today and repay across 3 to 60 months, so a big purchase fits into your monthly budget.

Croma Ludhiana makes buying electronics simple. Here is why many shoppers in the city choose it:

• Two handy locations: One store is in Feroz Gandhi Market, in the heart of the city. The other is on Chandigarh Road in Sector 32A, near HDFC Bank.
• Open until 9:00 PM: You can shop after office or factory hours on any day.
• Tata trust: Croma has been a Tata Group brand since 2006, which gives many buyers confidence.
• Try before you buy: You can test a laptop keyboard or compare two TV screens side by side.
• Own-brand choices: Croma's own appliances often cost less than big brands with similar features.

→ Key takeaway: Ludhiana's wedding season and Diwali on 8 November 2026 are both close. Waiting months to save the full price means missing festive offers, so the Bajaj Finance Insta EMI Card lets you buy now and pay monthly.

Croma Ludhiana stocks electronics for every need and budget. Here is what you can shop for:

• Mobile phones: Phones from Apple, Samsung, and OnePlus, from the Rs. 42,999 OnePlus Nord 6 to the Rs. 1,59,999 Galaxy S26 Ultra.
• Laptops: Laptops from Dell, ASUS, HP, and Apple, such as the Rs. 79,999 Dell XPS 13 for office work.
• Televisions: Smart TVs from Samsung, LG, and Sony, in sizes from 32-inch for a bedroom to 65-inch for the living room.
• Home appliances: Home appliances such as refrigerators, air conditioners, and the 8 kg LG front load washing machine for a family of 4 to 5.
• Winter needs: Geysers and room heaters, which are useful in Ludhiana from December to February.
• Accessories: Earbuds and other audio devices, chargers, and covers. These often cost less than Rs. 5,000, so buy them with a bigger product 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 splits your bill into monthly instalments across 3 to 60 months, so your savings stay in place.

The table below shows how the monthly amount changes with the tenure, using the Rs. 68,990 ASUS TUF Gaming A15 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, enough for a phone, a laptop, and a washing machine on one visit.
• 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 in India, including Croma.
• 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 mobile phone, laptop, or appliance easily and affordably.

Easy EMIs change what you can take home from Croma Ludhiana. Here is how they help:

• A wedding gift set: Buy the Rs. 37,490 LG washing machine and the Rs. 50,990 ASUS Vivobook 15 together, for Rs. 88,480, and repay over 24 months at about Rs. 3,687 a month.
• A laptop for a growing business: The Rs. 79,999 Dell XPS 13 comes to about Rs. 3,333 a month over 24 months.
• A budget appliance: The Rs. 23,990 Croma washing machine comes to about Rs. 1,999 a month 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, so you can shop on Easy EMIs without a credit card.

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.

→ Verdict: With two stores open until 9:00 PM and the Tata name behind it, Croma is a dependable place to buy electronics in Ludhiana. 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 either Croma partner store in Ludhiana. Paying takes only a few minutes at the billing counter. Here is how:

1. Browse and select your product at a Croma 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, or have it delivered.

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: 19 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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