India's air conditioning market is rapidly expanding, driven by rising temperatures and increasing consumer aspirations. However, purchasing an air conditioner is a significant financial decision, as these appliances often come with high price tags. Choosing the right model involves evaluating factors like energy efficiency, cooling capacity, and durability. Effective financial planning is essential for such high-value purchases to avoid undue financial strain.
One way to manage this expense is through EMIs (Equated Monthly Instalments), which make it easier to afford big-ticket items like air conditioners. The Bajaj Finserv Insta EMI Card simplifies this process by allowing you to split your purchase into manageable instalments. Its straightforward eligibility criteria and hassle-free online application make it a preferred option for many. By using the Insta EMI Card, you can own an air conditioner without compromising your financial stability.
Advantages of air conditioners
Air conditioners have become a staple in many Indian households. Here are some advantages they offer:
| Advantage | Description |
| Comfortable living | Air conditioners provide relief from extreme heat, making homes and offices more comfortable. |
| Improved air quality | Many air conditioners come with filters that reduce allergens, dust, and pollutants. |
| Better sleep | A cool environment can improve sleep quality, particularly during hot and humid nights. |
| Increased productivity | In workplaces, air conditioning helps employees focus and enhances overall productivity. |
| Prevents overheating | Air conditioning protects electronics and appliances from overheating, extending their lifespan. |
| Health benefits | Proper cooling can reduce heat-induced illnesses like dehydration and heat strokes. |
| Adds value to property | Properties with air conditioning systems are often more attractive to potential buyers. |
Disadvantages of air conditioners
While air conditioners offer numerous benefits, they also have certain drawbacks:
| Disadvantage | Description |
| High energy consumption | Air conditioners consume significant electricity, increasing energy bills. |
| Environmental impact | Many units use refrigerants that contribute to global warming if not disposed of responsibly. |
| Initial cost | The purchase and installation of air conditioners require substantial upfront investment. |
| Maintenance requirements | Regular maintenance is necessary to ensure efficient functioning, adding to long-term costs. |
| Health concerns | Overuse of air conditioning can lead to issues like dry skin and respiratory discomfort. |
| Noise pollution | Some air conditioners produce noise that can disturb quiet environments. |
| Dependency | Constant reliance on air conditioners reduces adaptability to natural temperature changes. |
List of available air conditioners on EMI
Here are some of the top-rated, best-selling air conditioners available on
EMI:
| Brand and model | Details | Special features | Price (Rs.) | Monthly EMI starting from (Rs.) |
| LG TS-Q13JNYE | 4 Star, 1 ton, Split system | Inverter compressor, Remote controlled, Anti bacterial filter, Auto clean, Fast cooling | 35,790 | 5,965 |
| Lloyd GLS12I5FWBEV | 5 Star, 1 ton, Split system | Golden Fin Evaporator; Anti-Viral Filter + PM 2.5 Filter, Smart 4 Way Swing; Turbo Cool; 100% Copper, Low Gas Detection; Clean Filter Indication, Installation Check; Stabilizer Free Operation; Hidden LED Display, 5 in 1 Convertible; Cools Even @ 52 ˚C | 36,000 | 4,000 |
| Panasonic CS/CU-NU18ZKY5W | 5 Star, 1.5 tons, Split system | Smart AC- Wi-fi enabled, MirAie App enabled, work with Alexa and Ok Google, PM 0.1 Filter for air purification, 4 Way Swing & Hidden Display, 7 in1 Convertible with True AI Mode, Voice Control with Alexa and Google Assistant | 44,990 | 4,999 |
| Lloyd GLS24I5FWGEV | 5 Star, 2 tons, Split system | Golden Fin Evaporator; Anti-Viral Filter + PM 2.5 Filter, 5 in 1 Convertible; Cools Even @ 52 ˚C, Low Gas Detection; Clean Filter Indication, Smart 4 Way Swing; Rapid Cooling (18°C in 45 seconds); Turbo Cool; 100% Copper, Installation Check; Stabilizer Free Operation; Hidden LED Display | 52,990 | 8,832 |
| Carrier CIW18SC5R32F0 | 5 Star, 1.5 tons, Window | Remote Controlled, Dust Filter, Air Purification Filter, Fast Cooling | 38,190 | 6,365 |
How to buy air conditioner using Insta EMI Card
Purchasing an air conditioner with the Bajaj Finserv Insta EMI Card is simple and convenient. Here is a step-by-step guide:
- Visit an e-commerce platform or Bajaj Finserv partner store: Browse a wide range of air conditioners and select your preferred model.
- Add to cart: Once you have chosen an air conditioner, add it to your shopping cart.
- Proceed to checkout: Navigate to the checkout page or to the billing desk, if you’re shopping at a partner store, and select the EMI option as your payment method.
- Share your Insta EMI Card details: Input your card number and other necessary details. If you’re at a partner store, share this information with the store representative at the billing counter.
- Choose a repayment tenure: Select a suitable tenure ranging from 1 to 60 months.
- Complete your purchase: Confirm your order with an OTP, and the cost will be split into Easy EMIs.
This seamless process ensures that owning an air conditioner is both affordable and stress-free.
Features and benefits of the Insta EMI Card
The Bajaj Finserv Insta EMI Card offers numerous benefits, making it an excellent choice for financing big-ticket purchases:
- Pre-qualified loan offer amount of up to Rs. 3 lakh: Enjoy a substantial credit limit for multiple purchases.
- Easy, low-cost EMIs: Minimal interest charges make repayments manageable.
- Zero foreclosure charges: Close your loan early without incurring extra costs.
- Comfortable repayment terms: Choose a flexible repayment tenure of 1 to 60 months based on your financial convenience.
- Wide acceptance: Use your card at e-commerce sites like Flipkart and Amazon, and at over 1.5 lakh partner stores across 4,000+ cities.
- Special offers: Take advantage of zero down payment deals on select products without any upfront payment.
How to apply for the Insta EMI Card
Applying for the Bajaj Finserv Insta EMI Card is straightforward. Here is what you need to know:
Eligibility requirements
Applicants must be an Indian national aged between 21 and 65 years and should have a regular income source. They must possess a good credit score per Bajaj Finserv's policies. The documents required include PAN and Aadhaar card details, address proof, bank details, and IFSC code for e-mandate registration.
Application process
Online:- Visit the official Bajaj Finserv website.
- Enter your mobile number and complete OTP verification.
- Fill in the application form and complete KYC verification.
- Pay a one-time joining fee of Rs. 530.
- Activate your card and complete the e-mandate registration.
Offline:- Visit a Bajaj Finserv partner store.
- Provide necessary documents for verification.
- Pay the joining fee and activate your card upon approval.
The quick approval process ensures you can start shopping almost immediately.
Though they can significantly improve your quality of life, the advantages and disadvantages of air conditioners require thoughtful consideration due to their costs and environmental impact. By using the Bajaj Finserv Insta EMI Card, you can spread out your expenses, making it easier to own a high-quality air conditioner that is eco-friendly. With its simple application process, flexible tenures, and low-cost EMIs, the Insta EMI Card bridges the gap between aspirations and affordability.
Apply for your
Bajaj Finserv Insta EMI Card today and enjoy a cooler, more comfortable home without stretching your finances. Start your journey towards a better lifestyle now!
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