HOW TO BUY ON EMI without Credit Card

DOCUMENTS REQUIRED

FINANCE SCHEMES

Frequently Asked Questions

Any Adult Citizen of India, salaried or self employed, & having PAN Card, Aadhaar Card, Bank account can apply.
EMI will be deducted from your account every month. The First EMI will start after one month of the delivery of the product.
The Applicant should be earning minimum Rs. 10,000 per month
Yes, You can apply again by selecting the lesser amount of product, depending upon your sanctioned credit limit or you can re-apply after 90 days.
Alternatively, you can select different Finance option on the checkout page by placing the order again on emibaba.com.
Applicant need to prove his income through salary slip, Income Tax Return, salary account statement or current account statement. A good bank statement can also be considered as income proof.
Yes, CIBIL is checked but it is not the only criteria. Low Cibil score can also be considered
The documents to be uploaded should be in [jpg], [gif] or [png] format. The bank statement should be in PDF format. Kindly make sure the documents are clear and readable
To know your order status kindly send a mail to  info@emibaba.com
If you are unable to apply online you can mail us your documents to info@emibaba.com. Our executive will call you and process the EMI application
The Down Payment can be made through net banking, the link for which is mentioned at the bottom of the page. please note we do not accept any down payment through any e-wallet like Paytm etc.
Yes, your down payment is 100% refundable if your EMI application is declined.
No, students are not eligible for loan. Any person who is earning monthly more than Rs. 12,000 can apply for Loan. The income should be visible in bank statement
The first EMI will be presented in your bank account after one month delivery of the product.
Well, It is really very simple. You can avail EMI without a card on your shopping value of more than Rs.8,000. All you need to do is to keep your PAN Card and Aadhar Card handy with you. While checking out, select EMI without card option and keep answering the questions or details asked. On the basis information provided by you, our payment gateway partner can approve your EMI request.
We have tried to make the process as simple as possible. And in all probability, if you select eKYC and allow our EMI Partner to extract your bank account statement, you may not require uploading any documents apart from your NACH form. However, we advise you to keep your Aadhar Card, PAN Card & Bank Account Statement ready with you. The bank statement should be of latest 6 months statement.
Absolutely it is 100% safe. The need to collect your net banking credentials is to just to get your bank account statement automatically. However, you can even choose to manually upload your bank account statement from the link given just below where you are asked to provide login credentials. We would like to assure you that all the details provided by you are never stored anywhere by emibaba.com
No. PAN Card, Aadhar Card & Bank Account – these are 3 basic mandatory requirements to avail EMI without card offer.
Once you finish the entire process and EMI Partner approves your EMI without card request, we receive confirmation from EMI Partner. We send you the order confirmation immediately via e-mail & SMS. And usually, we ship ordered items within 24 hours. You can expect our delivery to happen within 3-4 working days.
Offcourse Yes. Because NACH form actually works as ECS instruction to your bank. Without duly signed NACH form, EMI Partner will not be able to authorize us to process & dispatch your order.

•  Terms & Condition apply.
•  Finance Approval is at sole discretion of Finance Company.
•  Products sold on emibaba.com are 100% Genuine with Standard Manufacturer’s Warranty.