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Home Appliances on EMI

Get Home Appliances on EMI

Delaying the idea of replacing old home appliances isn’t the best of ideas. Often times, old appliances could begin to malfunction, thereby making it necessary for you to shell out significant sums of money on regular repairs alone. A better solution to this issue is to replace old appliances with the latest versions, so you can bring home the refrigerators and washing machines that employ innovative, new-age technologies. And now, with the help of Tata Capital’s consumer durable loans, you don’t have to put off the idea of purchasing a new appliance anymore. These loans enable you to buy appliances on easy EMIs.

What are the home appliances available on EMI?

With Tata Capital’s Consumer Durable Loans, you can purchase a wide range of home appliances on EMI. Some of the appliances that are available on EMI include:

  • TV

  • Refrigerator

  • Air conditioner

  • Washing machine

  • Microwave

  • Home theatre

  • Laptop


What are the benefits of buying home appliances on EMI?

In addition to allowing you to purchase any appliance of your choice instantly, a home appliances loan from Tata Capital also comes with several utilitarian advantages. You get to purchase the best-in-class home appliances, all of which employ state-of-the art technology and come with a variety of innovative features.

Furthermore, the loan itself offers several financial and functional advantages. Listed here are some of these benefits.

  • Flexible deferred payments in easy EMIs:

You can repay your Consumer Durable Loan EMIs in flexible repayment options that are easy on the wallet. The choice of the tenure is left to you, and it can range from 6 months to 24 months.

  • Zero percent interest on consumer durable loans:

The cost of the purchase is divided into easy no-cost EMIs. This effectively means that Tata Capital does not levy any interest on the purchase price. You need not pay any added amount.

  • Instant loan approvals:

For loans up to Rs. 1.5 lakhs, Tata Capital offers on-the-spot instant approvals. If you’re buying products within this limit, you get to enjoy immediate approvals, so you can make your purchases without any waiting time.

  • Extremely minimal documentation:

We do not require extensive documentation in order to grant loan approvals. Our requirements are limited to basic KYC details and essential papers alone, so you can quickly submit your request for a loan.


Eligibility Criteria for getting home appliances on EMI

The primary eligibility criteria for consumer durable loan from Tata Capital are listed below.

  • The minimum age limit for applying for a loan is 21 years.

  • The maximum age limit is 60 years for salaried personnel and 65 years for self-employed applicants.

  • The eligible minimum and maximum loan amounts are Rs. 10,000 and Rs. 5 lakhs respectively.

  • The tenure of the loan can range from 6 months and 24 months.

List of documents required to get home appliances on EMI

Obtaining a consumer durable loan from Tata Capital requires minimum documentation. You are required to submit the following documents only.

  • Proof of identity

  • Proof of residence

  • A cancelled cheque

  • Latest passport-sized photograph

  • A signed ECS mandate

  • A non-dated cheque for the full amount of the loan drawn in favor of TCFSL for security purposes


You can use Tata Capital’s consumer durable loans to purchase home appliances such as washing machines, refrigerators, microwaves, and ACs. The loan can also be used to finance the purchase of electronics like laptops, TVs, and smartphones, as well as other essentials like furniture and lifestyle products.

To avail a loan from Tata Capital to fund your purchase of consumer durables, you only need to follow these steps.

  • Head to any of our partner stores and select the product you wish to purchase.

  • Get in touch with the Tata Capital representative at the store and submit the relevant documents.

  • Obtain the EMI card number and use it to convert the cost of your product into EMIs.

You are free to choose a repayment tenure that’s convenient for you. The tenure can range from as few as 6 months to as many as 24 months.

The consumer durable loan EMI calculator is a free online tool that’s available for all users. You can make use of this calculator before you avail a loan, so you can get a better idea of how to distribute the cost of your purchase across affordable EMIs.

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