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1. Build Your Cart
Add products to your cart. EMI applies per seller — each seller's items in your cart are checked against their own minimum order value.
2. Check Eligibility
At checkout, if a seller has EMI enabled and your order with them meets the minimum value, "Pay in EMI" appears alongside the other payment options.
3. Pay the Token
Choose your tenure (2–6 months) and pay a small token amount — a percentage of the order — upfront to confirm your order.
4. Monthly Installments
The remaining balance plus a small monthly surcharge is split into equal installments, billed automatically on the same day each month.
5. Order Ships
Your order ships as soon as the token payment is confirmed — you don't wait for the full amount to be paid.
💳 The EMI journey — at a glance
Add eligible items to cart
Auto-checked at checkout
Pick tenure, pay token
Auto-billed monthly
Ships right after token payment
Token Payment
A percentage of the order total is collected upfront when you place the order — this confirms your commitment and unlocks shipping.
Fixed Billing Day
Every installment is due on the same day of the month, starting the month after your purchase, so you always know when payment is due.
Small Monthly Surcharge
A small surcharge per month of tenure covers the cost of spreading your payment out — shown in full before you confirm your order.
Seller-by-Seller
In a multi-seller cart, EMI eligibility and installment schedules are calculated separately for each seller's items.
Here's how a ₹15,000 order breaks down over a 3-month tenure.
| Line | Amount |
|---|---|
| Order total | ₹15,000 |
| Token paid at checkout (10%) | − ₹1,500 |
| Remaining balance | = ₹13,500 |
| EMI surcharge (1%/mo × 3mo) | + ₹405 |
| 3 monthly installments | ₹4,635 × 3 |
Browse eligible products and check out with EMI in a few clicks.