Frequently Asked Questions

Mobile Phone on EMIs

How can I buy a Mobile Phone on easy EMIs 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:

  • Be an Indian citizen aged between 18 and 60 years.
  • Have valid ID proof and current address proof.
  • Be employed, self-employed, or a pensioner.
  • Maintain an active bank account.
  • Ensure a minimum 90-day interval between two Home Credit loan applications.

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 -13 months.

What documents are required to buy Mobile phone on EMIs from Home Credit

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 625 cities and has partnered with 53,000+ merchants in these locations. Click herefor the list of partner shops

What is the #EMIPeBadiBachat offer (Gift offer) provided by Home Credit India?

Gift offer is available on select products, where the last EMI is waived if customers pay all previous instalments on or before the due date. This offer is available only to qualified customers based on their past credit history.

Does #EMIPeBadiBachat offer (Gift offer) applicable in case I opt for Payment Holiday during my loan term?

Yes, Payment Holiday has no impact on #EMIPeBadiBachat offer (Gift offer). Payment Holiday will extend your loan term by a month, but 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 #EMIPeBadiBachat offer (Gift offer)

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

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
Online Shopping with Ujjwal EMI Card
Mobile Protect
Safe Pay
Extended Warranty
Flexible Personal Loan
Care360° Protection
easy loans home credit