Product finance

Product Finance & EMI Options in India

Work out what a mobile, laptop, TV, AC or home appliance really costs per month. Compare card EMI, no-cost EMI and store finance, calculate your EMI and send a finance enquiry. We show Delhi by default; change the city any time.

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Data reviewed 3 Oct 2026 · By CouponTalk · How we check finance information

Choose a product

Mobile finance₹15,000 mobile ≈ ₹1,361/month Laptop finance₹40,000 laptop ≈ ₹3,629/month TV finance₹22,500 TV ≈ ₹2,041/month AC finance₹35,000 AC ≈ ₹3,176/month Refrigerator finance₹27,500 refrigerator ≈ ₹2,495/month Washing Machine finance₹20,000 washing machine ≈ ₹1,815/month Camera finance₹60,000 camera ≈ ₹5,444/month Tablet finance₹22,500 tablet ≈ ₹2,041/month Gaming Laptop finance₹85,000 gaming laptop ≈ ₹7,712/month

Ways to pay for a mobile in instalments

Credit card EMIPay in monthly instalments on a credit card. The card issuer sets the interest rate and may charge a processing fee; 18% GST applies to the interest.

No-cost EMIThe seller or brand gives a discount equal to the interest, so the instalments add up to the price. GST on the interest and any processing fee are usually still payable.

Debit card and cardless EMISome banks and finance companies offer pre-approved EMI on debit cards or without a card, based on your profile. Approval and limits vary.

Consumer durable loan at the storeA short loan arranged at the time of purchase, often with a down payment and a processing fee. It needs KYC (PAN and Aadhaar) and a credit check.

Buy Now Pay LaterSplit a purchase into a few payments or pay next month. Late fees can be high, so check the terms before you use it.

Mobile finance by city

Metro cities

Ahmedabad Bengaluru Chennai Delhi Hyderabad Kolkata Mumbai Pune

More cities

Bhopal Bhubaneswar Chandigarh Coimbatore Dehradun Gurugram Guwahati Indore Jaipur Kanpur Kochi Lucknow Ludhiana Madurai Mysuru Nagpur Navi Mumbai Noida Patna Surat Thane Thiruvananthapuram Vadodara Varanasi Visakhapatnam

Can't see your city? Use "Change city" above: we cover 1,467 cities across India.

Finance calculators

EMI Calculator No-Cost EMI True Cost Calculator Down Payment Calculator Affordability Calculator Flat vs Reducing Interest Rate Calculator Credit Card EMI Calculator Mobile EMI Calculator Laptop EMI Calculator TV EMI Calculator AC EMI Calculator

Send a mobile finance enquiry

Tell us what you want to buy and your budget. We will contact you about finance options. CouponTalk is not a lender and approval is not guaranteed.

Frequently asked questions

Does CouponTalk give loans?

No. CouponTalk is not a bank or lender. We explain finance options, help you calculate EMIs and, if you ask us to, pass your enquiry to a finance partner with your consent.

Is no-cost EMI really free?

The interest is given back as a discount, but 18% GST on the interest and any processing fee are usually still charged, so you may pay slightly more than the price.

Can I buy on EMI without a credit card?

Often yes: debit card EMI, cardless EMI and consumer durable loans at the store are available to eligible buyers, subject to the lender's checks.

What do lenders usually check?

KYC documents such as PAN and Aadhaar, your income or bank statement, and your credit history. Approval is never guaranteed.

Finance disclaimer: CouponTalk is not a bank, NBFC or lender and does not approve loans. EMI figures are estimates using an illustrative interest rate; your actual rate, fees and eligibility are decided by the lender. Approval is never guaranteed. Some links are affiliate links. Finance disclaimer · Privacy policy · Affiliate disclosure

Know about CouponTalk

CouponTalk is an Indian shopping research site founded by Hemant Kumar. We help you choose the right product, get the size right and pay a fair price, with buying guides, 248 free calculators, a price tracker and verified deals.

We stand out because

Made for India: prices in ₹, Indian sizes, and brands and stores you can buy from here.
Show the working: every calculator explains its formula and gives a worked example.
Real price history: each price shows when it was checked, so you know a deal is real.
Free for everyone: no sign-up, no paywall.

Our key focus areas

Buying guides for electrical, home, kitchen, bike gear and fashion.
Free calculators for sizes, EMI, GST, gold and seller fees.
Price history and price drop alerts for 22 Indian stores.
Verified deals and coupons on Telegram.

What makes us different

Not for sale: no brand can pay for a ranking or a "best" spot.
Checked by people: every guide and calculator is reviewed before it goes live.
Clear sources: RBI rules, GST rates and standard size charts, explained on each tool.
Honest limits: we show past prices and never promise future ones. Our editorial policy.

Affiliate disclosure: CouponTalk is reader-supported. We add affiliate links to some products and stores, and we may earn a commission when you click a link and buy, at no extra cost to you. Commissions never change what we recommend. Read our affiliate disclosure.