What is the Difference between Air Cooler and Air Conditioner?

Choosing the right cooling solution is vital for comfort during India’s sweltering summers. With a booming HVAC market, air coolers and air conditioners dominate as the most popular options. Each has unique features, making them suitable for different needs and budgets. However, selecting the right one can be overwhelming.

Air conditioners are often considered high-value investments, requiring careful financial planning. Similarly, air coolers, while more affordable, may still strain a tight budget. This is where the Bajaj Finserv Insta EMI Card becomes an excellent tool. It offers flexible financing, making it easier to own these essential appliances without compromising your financial health. With hassle-free application and easy EMIs, this card ensures your aspirations are within reach.

Let us explore the difference between air cooler and air conditioners and how the Bajaj Finserv Insta EMI Card can make purchasing them easier.

What is an air cooler?

An air cooler is a budget-friendly, energy-efficient appliance that cools the air by evaporating water. It works best in dry climates, as it adds moisture to the air. Here is how an air cooler operates and its benefits:

• Working mechanism: Air coolers draw warm air, pass it through water-soaked cooling pads, and release cooler, humid air into the room. This natural cooling process consumes significantly less energy compared to air conditioners.
• Energy efficiency: Air coolers use only a fraction of the electricity required by air conditioners, making them an eco-friendly option.
• Cost-effectiveness: They are affordable and have low operating costs, as they do not require refrigerants or compressors.
• Portability: Most air coolers are lightweight and come with wheels, making them easy to move from room to room.

What is an air conditioner?

An air conditioner, commonly referred to as AC, is a sophisticated cooling device that provides precise temperature control. It works by removing heat and humidity from indoor air and releasing cool, dry air back into the room. Here is a closer look at air conditioners:

• Working mechanism: Air conditioners use a refrigerant and compressor to absorb heat from indoor air, which is then expelled outside. The cooled air is circulated back into the room.
• Climate versatility: ACs are effective in both humid and dry climates, providing consistent cooling regardless of external conditions.
• Advanced features: Modern air conditioners often include options like temperature control, air purification, and energy-saving modes.
• Higher investment: While they provide superior cooling, air conditioners are more expensive upfront and consume more electricity compared to air coolers.

Top 10 differences between air coolers and air conditioners

Difference	Air cooler	Air conditioner
Cooling mechanism	Uses water evaporation for cooling	Uses refrigerants and a compressor for cooling
Electricity usage	Consumes very little electricity	Higher energy consumption
Cost	More affordable upfront and operationally	Expensive initial and operational cost
Suitability for climate	Works well in dry climates	Effective in both dry and humid conditions
Portability	Lightweight and mobile	Fixed installation, not portable
Humidity control	Adds moisture to the air	Reduces humidity
Maintenance	Easy to maintain and clean	Requires professional servicing
Noise levels	Generally noisier	Operates more quietly
Environmental impact	Environmentally friendly, no refrigerants	Uses refrigerants, which may impact the environment
Additional features	Basic functionality	Advanced features like air purification

How to buy an air cooler or air conditioner using Insta EMI Card

Purchasing an air conditioner or air cooler is simple and stress-free with the Bajaj Finserv Insta EMI Card. Follow these steps to shop on e-commerce platforms or partner stores:

• Step 1: Visit an e-commerce platform or Bajaj Finserv partner store to explore the available models of air conditioners and air coolers.
• Step 2: Find the right product for your needs. If required, consult the knowledgeable store representatives on the difference between air cooler and air conditioner before making your choice.
• Step 3: At checkout, choose the Bajaj Finserv Insta EMI Card as your payment option.
• Step 4: Share your card details and select a repayment tenure that suits your budget.
• Step 5: Complete the transaction with an OTP and repay the cost Easy EMIs over your chosen tenure.

This process ensures that you can own your preferred cooling appliance without financial strain.

Benefits of using the Insta EMI Card for buying air conditioner or air cooler

The Bajaj Finserv Insta EMI Card is packed with features that make big-ticket purchases effortless. Here are the key benefits:

• Pre-qualified loan offer amount: Access up to Rs. 3 lakh for multiple purchases without over-extending credit limit.
• Low-cost EMIs: Enjoy easy EMIs with minimal interest charges, keeping your monthly expenses manageable.
• Nil foreclosure charges: Repay your loan early without additional fees.
• Flexible terms: Choose from 1 to 60 months repayment tenures to suit your financial situation.
• Wide acceptance: Accepted on leading online platforms like Flipkart, Bajaj Mall, and Amazon , and over 1.5 lakh partner stores in 4,000+ cities nationwide.
• Special offers: Avail zero down payment options during festive seasons on select products.

Eligibility criteria for the Insta EMI Card

Ensure you meet the requirements:

• Indian national aged 21 to 65 years
• Regular source of income
• Good credit score per Bajaj Finserv policies
• Required documents: PAN card, Aadhaar card, address proof, and bank details and IFSC code for e-mandate registration

How to apply for the Insta EMI Card

Applying for the Insta EMI Card is a quick and simple process. Here are the steps:

Online:

• Visit the official Bajaj Finserv website.
• Enter your mobile number and verify with OTP.
• Fill in the application form to check your pre-qualified loan offer amount.
• Complete KYC verification using Aadhaar or DigiLocker and pay the one-time joining fee of Rs. 530.
• Activate your card instantly with the e-mandate registration.

Offline:

• Visit your nearest Bajaj Finserv partner store.
• Provide the necessary documents for verification to a store representative.
• Upon approval, pay the joining fee to have your card activated.

Choosing between an air cooler and an air conditioner depends on your cooling needs, budget, and climate. Both have their advantages, and with the Bajaj Finserv Insta EMI Card, purchasing either becomes seamless. The card offers financial flexibility, helping you maintain your lifestyle without compromising on quality or affordability.

Apply for the Bajaj Finserv Insta EMI Card today and make your big-ticket purchases stress-free. Take control of your finances and enjoy the comfort you deserve, one easy EMI at a time.