Khosla Electronics - Shop Smartphones and Laptops Without a Credit Card

Khosla Electronics runs 90 plus stores across East India. Buy smartphones, laptops with the Bajaj Finance Insta EMI Card.
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Khosla Electronics - Shop Smartphones and Laptops Without a Credit Card
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4 Min Read
July 14, 2026

In summary

You can buy smartphones and laptops at Khosla Electronics using the Bajaj Finance Insta EMI Card. The retailer runs 90 plus stores across East India and stocks 10,000 plus products.

  • 90 plus stores across West Bengal, Jharkhand, and Odisha
  • Pre-qualified card loan offer of up to Rs. 3 lakh
  • Flexible repayment tenure across 3 to 60 months
  • Zero foreclosure charges if you repay your EMI plan early
  • 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 of Khosla Electronics' 90 plus stores.


What is Khosla Electronics known for?

Khosla Electronics was founded in 1987 and has grown into one of East India's largest electronics retailers. It runs 90 plus stores across West Bengal, Jharkhand, and Odisha, alongside an online store. The retailer stocks over 10,000 products from more than 100 brands.


What are the benefits of shopping from Khosla Electronics?

Shopping at Khosla Electronics goes beyond just buying gadgets. You get expert guidance, a wide product range, and simple payment options that make choosing and paying for electronics easier.

  • Trained in-store staff help you compare specifications and pick the right smartphone, laptop, or appliance for your needs
  • A single store stocks more than 10,000 products from over 100 brands, so you save time comparing options elsewhere
  • Both in-store and online shopping are available, giving you the flexibility to browse from home or in person
  • Pay using the Bajaj Finance Insta EMI Card and split your purchase into Easy EMIs across 3 to 60 months, so big purchases fit your monthly budget

Details of Khosla Electronics

Khosla Electronics has built a strong presence in East India since it started operating in 1987. Here are the key details of the retailer at a glance.

DetailInformation
Founded1987
Total stores90 plus stores
States coveredWest Bengal, Jharkhand, and Odisha
Products and brands10,000 plus products from 100 plus brands

Top product categories and brands available at Khosla Electronics

Khosla Electronics stocks a wide range of electronics and home appliances from leading brands. You can use your Insta EMI Card to buy any of these products in Easy EMIs.

CategoryPopular brands available
SmartphonesSamsung, Apple, Vivo, Oppo, OnePlus, Xiaomi
Laptops and tabletsDell, HP, Lenovo, Apple, Samsung
Home appliancesSamsung, LG, Whirlpool, Godrej, Bosch
Entertainment and TVsSamsung, LG, Sony

Why should I shop at Khosla Electronics?

Khosla Electronics combines a wide product range with flexible payment options. Here is why shoppers across East India choose it for their electronics and appliance purchases.

  • Access to 10,000 plus products from 100 plus brands under one roof, both online and in-store
  • 90 plus stores across West Bengal, Jharkhand, and Odisha make it easy to shop close to home
  • Pay using the Bajaj Finance Insta EMI Card, with a pre-qualified card loan offer of up to Rs. 3 lakh
  • Flexible repayment tenure across 3 to 60 months, so your EMIs fit your monthly budget
  • Zero foreclosure charges, so you can repay early without paying extra

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 Khosla Electronics 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, plus online platforms including Amazon and Flipkart.

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 laptops 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 a Khosla Electronics partner store?

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

  • Browse and select the smartphone, laptop, or appliance 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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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.
  • 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 Finance App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finance App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) 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.
For customer support, call Personal Loan IVR: 7757 000 000

Frequently asked questions

Can I use the Insta EMI Card to shop at Khosla Electronics?

Yes, Khosla Electronics 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.

How can I use my Insta EMI Card to make purchases at Khosla Electronics?

At checkout, tell the store executive you want to pay using the Bajaj Finance Insta EMI Card. Share your registered mobile number and card details, then choose a repayment tenure that fits your budget. Confirm the transaction using the OTP sent to your mobile number, and your purchase is approved instantly.

Can I buy smartphones on EMI at Khosla Electronics?

Yes, you can buy smartphones from brands such as Samsung, Apple, Vivo, and OnePlus at Khosla Electronics 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 smartphone purchase into Easy EMIs. Check your Insta EMI Card eligibility online before you shop.

Are laptops available on EMI at Khosla Electronics?

Yes, Khosla Electronics stocks laptops from popular brands including Dell, HP, Lenovo, and Apple. You can use your Bajaj Finance Insta EMI Card to buy any of these laptops on Easy EMIs, with a flexible repayment tenure that fits your monthly budget and overall spending plan.

Which smartphone brands are available at Khosla Electronics?

Khosla Electronics stocks smartphones from Samsung, Apple, Vivo, Oppo, OnePlus, and Xiaomi, among other leading brands available in stores. 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 you.

What are the benefits of shopping on EMI at Khosla Electronics?

Shopping on EMI at Khosla Electronics lets you split your purchase into Easy EMIs instead of paying the full amount upfront. With the Bajaj Finance Insta EMI Card, you get a pre-qualified card loan offer of up to Rs. 3 lakh, zero foreclosure charges, and a flexible repayment tenure.

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