Frequently Asked Questions

Mobile Phone on EMIs

How can I get a Mobile Phone Loan from Home Credit?

You can get any smartphone of your choice on easy EMIs by applying for Home Credit Ujjwal EMI Card. You need to meet the following criteria:

  • Age: Indian national between 18 to 60 years of age
  • Income source: Salaried, self-employed or pensioner
  • Documents: One ID proof and one address proof
  • Gap between two loan applications: 90 days

What is the tenure of EMIs for smartphone loans on Ujjwal EMI Card?

Tenure of the loan depends on the chosen brand and product. Typically, the tenure varies between 6 -12 months.

What documents are required to apply for Ujjwal EMI Card?

To take a Mobile Phone on EMIs, you need to provide one ID proof and one current address proof.

List of acceptable documents

ID Proof:

  • PAN Card [Mandatory]

Address Proof (Any one of these):

  • Aadhar Card
  • Voter ID Card
  • Driving License
  • Passport

*Conditions apply. Home Credit India reserves the rights to call upon additional documents, if required.

Where can I buy a smartphone on EMIs from Home Credit?

Home Credit India is currently in 545 cities and has partnered with 50,000+ merchants in these locations. Click here to see the list of cities.

What is the Gift Pay offer provided by Home Credit India?

Gift Pay is an offer on select products, where the last EMI is waived off if customers pay all previous instalments on or before the due date.

Is Gift Pay applicable in case I opt for Payment Holiday during my loan term?

Yes, Payment Holiday has no impact on Gift Pay. Payment Holiday will extend your loan term by a month, and you need to ensure that you pay all your instalments on or before the due date.

When will my loan contract get over if I pay all my instalments on time, with Gift Pay offer?

The loan contract will be automatically finished 6 days after the payment of your second-last EMI.

Which Value Added Services are available while financing mobile phones?

Home Credit India gives you the opportunity to opt for the following Value Added Services with Mobile Phone on EMIs:

Home Appliances on EMIs
Personal Loan
Home Credit Ujjwal EMI Card
Mobile Protect
Safe Pay
Extended Warranty
Payment Related
Flexible Personal Loan
easy loans home credit