EMI Options

Fill this simple form and we will get back to you soon with the best EMI options for you

Our EMI Partners

What are the eligibility criteria to avail financing on furniture?

Order value should be minimum INR 10,000. You should meet atleast one of the following criteria:

  • Have a credit card.
  • You should be any existing customer of Bajaj Finance Limited, HDFC, Future Capital ,Tata capital finance and Capital Float.
  • You should be a salaried professional.
  • You should have taken a loan in the past.
  • You should have a property on your name.

How can I avail financing on furniture?

You just need to select “Pay in EMI” option on our checkout page and you are done. Yes, it is that easy. Our customer service team will give you a call to collect additional details and will apply for financing on your behalf, and help you with the process.

Do I need to pay anything additional to avail Financing?

We are offering this facility at a nominal cost. You would have to only pay processing charges of Rs749.

What documents will I have to submit?

Our team will collect the following documents from you:

  • Photo ID Proof (Pan Card, Aadhar Card, Voter ID card, Driving License, Passport etc.)
  • Address Proof (Passport, Telephone Bill, Gas bill, Electricity bill, Bank account statement with name and address etc.)
  • Cancelled cheque (Only from a nationalized bank) – EMIs will be deducted from this bank account.
  • Filled up and signed ECS Mandate form and loan application form (will be provided by our team)
  • Our customer service team will inform you whether any other documents would be required based on applicable eligibility criterion.

How do I submit the documents?

Our team will come at a time convenient to you to collect the documents and down-payment. They will carry the ECS mandate form and loan application form which you will have to fill up and sign. Please note that the applicant will have to be personally present to sign the form.

Can my application get rejected? What do I do in that case?

Approval/rejection of financing is solely at discretion of the Finance company. In the event that your loan application is not accepted, you would need to place a fresh order with a different payment type – Cash pay or Prepaid. We will cancel the current order for which the loan request is placed.

How would my EMI payment schedule look like?

Your application will be processed EMI schemes line 6/0,9/0,10/0,10/2,11/1,12/0,12/2,12/4,15/0,18/0,18/1,18/2,18/4,18/0,22/1,24/0

for a 10 by 2 scheme where you will be required to make a down- payment for 2 installment and remaining amount will be deducted in 8 EMIs.

For example, if you make a purchase of INR 20,000 and use Finance you will be required to make a down-payment of INR 4,000 +749 processing fee totaling to Rs4749 while submitting the documents. Remaining amount will be deducted from your account in 8 EMIs of INR 2,000 each.

On what date would the EMIs be deducted from my account? Can I check the schedule?

EMIs will be deducted on 5th of every month. Once your loan is processed, Finance company will provide you with login details. With these credentials, you can login and check the EMI schedule.

How do I know the status of my application?

Once the application is processed, we will inform you about the approval/rejection of your application. In case of approval, you will also receive an SMS from Finance company.

Is there any upper limit on the loan amount?

You can avail gross loan for up to INR 2,50,000.

  • Loan up to INR 1,25,000 will be instantly approved based on details provided.
  • For higher amounts, loan will be approved after a verification call by Finance company.

Can I prepay the loan? Is there any prepayment penalty?

You can either do a part-prepayment or prepay entire loan.

What if I have to cancel the loan against product return?

In case of cancellation against product return, Bantia will repay the down-payment amount to the customer minus the processing fees and cancellation charges as applicable. Finance Company will repay back the EMIs you have deposited so far.

Anything else I need to keep in mind?

Please make sure that the order is in name of the same person who will avail financing. The name in invoice should exactly match your name on PAN card.

In case you are using your credit card to apply for the loan, please ensure that you use the same credit card to make the down-payment.

Will I be asked to share card information, account information or passwords over phone or email?

The Bantia team will never request you to share any of your payment details over email or over phone. The only time when you will be asked for your 16 digit card number is if you apply for a loan with Finance Compnay.

For more questions on financing, please contact us call:040-27841562/ 3/ 5, email:[email protected]