How installment purchase works
Buy what you need today and spread the cost over months — with absolutely no interest.
An example
Say you buy a television priced at ₹45,000 and pay ₹15,000 at the counter.
| Television price | ₹45,000.00 |
| Paid at the shop | ₹15,000.00 |
| Balance on installments | ₹30,000.00 |
| Over 6 months | ₹5,000.00 per month |
| Interest added | ₹0.00 |
| Total you pay | ₹45,000.00 — the price, and nothing more |
The rules, plainly
| Interest | 0%. No interest is ever added, at any point. |
| Upfront payment | Any amount you choose, paid at the shop. It is never taken online. |
| Loan length | 1 to 36 months. You and our staff agree it together — either by choosing the number of months, or the amount you want to pay monthly. |
| Due dates | Monthly from the first due date. Every date is visible in your account from day one. |
| Paying | Online from this website or the app — UPI, debit or credit card, or net banking. You can also pay at the shop. |
| Paying early | Allowed. You can clear the next installment before its due date at no extra cost. |
| Grace period | You have 5 days after each due date before any fee applies. |
| Late fee | ₹350.00 is added to an installment not paid within the grace period, and again for each further month it stays unpaid. You are told as soon as a fee is applied. |
| Buying | All purchases happen at the shop. This website is for browsing and for paying installments — you cannot buy a product online. |
How Installment Purchase Works
- Visit our store — browse the model you like here, then come and see it in person.
- Pay an initial amount — pay whatever part of the price you are comfortable with at the counter.
- We set up your loan — our staff create a no-interest monthly loan for the remaining balance.
- Pay from your phone — every month's installment is visible in the app and website, and you pay it online.
0% interest, always. You only ever pay the remaining balance of the original price. A late fee applies only if an installment is missed.
Common questions
No. Every purchase happens at the shop so you can see the product first and set up your loan with our staff in person.
None at all. You pay the price of the product. The only additional amount that can ever arise is a late fee, and only if you miss a due date.
Sign in with the mobile number you gave at the shop. Your loan, every due date and every receipt is there.
You have 5 days' grace. After that a ₹350.00 fee is added, and again each month it stays unpaid. If you are having difficulty, speak to us at the shop — it is always better to talk to us early.