About EMI Network
The Bajaj Finserv EMI Network is the way to pay for your favourite products. Simply select the product of your choice and pay for it on easy EMIs.
Shop on the Bajaj Finserv EMI Network for the latest smartphones, televisions, washing machines, air conditioners, laptops, air coolers, furniture, lifecare services, groceries, clothes, accessories and much more on easy EMIs.
Shop for up to Rs. 3 lakh on easy EMIs and repay over a flexible tenor of 3 to 24 months.
Visit any of our partner stores, select the product of your choice and split the cost into interest-free EMIs. You could also shop for your favourite electronics and gadgets on the Bajaj Finserv EMI Store. By doing so, you get benefits like free home delivery, zero down payment (on select products) and the No Cost EMIs facility.
How to shop online on the EMI Network
Here’s how you can shop online on the EMI Network:
On the Bajaj Finserv EMI Store
- 1 Go to the EMI Store and log in with your registered mobile number
- 2 Choose your product and a repayment timeline
- 3 Add your delivery address
- 4 Provide the OTP sent to your phone to complete the purchase
You could also shop for the latest products on No Cost EMIs at our partner e-commerce websites like Amazon, Flipkart, Samsung and more.
The EMI Network gives you the choice of getting the product of your choice on easy EMIs at a store near you or by shopping online from the comfort of your home.
Overall, the process remains the same in both options – Select the product of your choice, choose a convenient repayment tenor and get the product on easy EMIs.
How to shop at a store on the EMI Network
If you wish to buy a product at a store near you, here are the steps to follow:
At our partner stores
- 1 Visit a Bajaj Finserv partner store near you
- 2 Select a suitable repayment tenor
- 3 Provide your EMI Network Card details or opt for in-store financing
- 4 Share the OTP sent to your registered phone number
The EMI Network gives you the choice of getting the product of your choice on easy EMIs at a store near you or by shopping online from the comfort of your home.
Overall, the process remains the same – Select the product of your choice, choose a convenient repayment tenor and get the product on easy EMIs.
Features of the EMI Network
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Loans of up to Rs. 4 lakh
From televisions and smartphones to furniture and groceries, buy products on easy EMIs across 1.2 lakh+ partner stores
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Repay easily
Repay the cost of your purchase at your convenience over a tenor of 3, 6, 9, 12, 18 or 24 months
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Minimal documentation
All you need are your KYC documents, a signed ECS mandate, and a cancelled cheque
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Easy EMIs
The Bajaj Finserv EMI Network Card lets you buy everything you want on easy EMIs
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Pre-approved offers
As an existing customer, you get exclusive pre-approved offers from time to time across all our partners
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Minimal processing fees
Most of the products on the EMI Network have minimal or no processing fees. You pay the exact price of your product, divided into monthly EMIs
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Minimal down payment
Buy the latest products on easy EMIs with minimal or no down payment
To be eligible, you must fulfil some basic criteria like:
- Indian nationality
- 21 to 60 years of age
- Have a regular source of income
You would also require the below mentioned documents:
- Aadhaar card
- Cancelled cheque
- Signed ECS mandate
Fees and charges
Type of Fees* |
Minimum |
Maximum |
Processing Fees |
N/A |
Rs. 1,017 (inclusive of taxes) |
Penal interest |
Any delay in payment of Monthly Instalment/ EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/ EMI outstanding, from the date of default until the receipt of Monthly Instalment/ EMI. |
|
Bounce Charges |
Rs. 450 (inclusive of taxes) |
|
Document/ Statement Charges |
Download your e-statements/ letters/ certificates at no extra cost by logging into Customer Portal – Experia. |
|
CIBIL Transunion Report Fees |
Rs. 36 - Rs. 46 (inclusive of applicable taxes) |
|
Note: Additional cess will be applicable on all charges in accordance with the state specific laws.
*The processing fee may vary at the time of purchase.
Fee amount subject to change.
Frequently asked questions
The Bajaj Finserv EMI Network is the way to pay for your favourite electronics, appliances, smartphones, laptops, TVs, furniture, groceries, clothes, accessories and much more. You can divide the cost of your purchase into easy monthly instalments.
You can shop for 1.2 million+ products on the Bajaj Finserv EMI Network. The categories include electronics, large and small appliances, gadgets, clothes, accessories, eyewear, footwear, watches, international and domestic flight tickets, hotel stays, holiday packages, education and even groceries. Visit the store locator to find your nearest Bajaj Finserv partner store.
To get the card offline, visit any of the Bajaj Finserv partner stores, submit KYC documents with a cancelled cheque and a signed ECS mandate at the time of your first purchase.
Yes, there are 1,000+ offers available on various products on the Bajaj Finserv EMI Network. You can view these offers on our website, the Bajaj Finserv Wallet app or visit any of our 1.2 lakh+ partner stores and ask the in-store representative for these offers. The offers will also be communicated to you via our promotional e-mails or SMS from time to time.
To shop on the EMI Network, you will need to submit your government-issued photo ID proof and residence proof, one cancelled cheque, one passport size photograph and a signed ECS mandate.
The Bajaj Finserv EMI Network Card lets you shop for your favourite electronic items and appliances, gadgets, clothes, accessories, eyewear, footwear, watches, groceries, book flight tickets, holiday packages, pay for coaching classes and more.
A processing fee may be charged and depends on many factors such as the category of the product you wish to buy, the store you buy it from and the EMI schemes available on the product at the time. There are no hidden charges whatsoever.
You can use this card across any Bajaj Finserv partner outlet to shop for 1.2 million+ products in more than 2,900 cities in India.
You can apply for a Bajaj Finserv Insta EMI Card by clicking here.
You can also apply for a Bajaj Finserv EMI Network Card at the time of your first purchase at any of our partner stores by submitting some basic documents.
There EMI Network Card eligibility criteria are as follows:
- You must be between 21 to 60 years of age
- You must have a regular source of income
